[Openid-specs-fapi] i wish to resign from FAPI

Ralph Bragg ralph.bragg at raidiam.com
Wed Aug 15 17:56:20 UTC 2018

Hi Tom,

I’m personally really interested in the concerns you’ve raised especially when it comes to the OB part.

This (below) is the consent guidelines that the OBIE currently have published with an update in train.

OB would be really interested in your feedback and comments.

Kind regards,


From: 32022724200n behalf of
Sent: Wednesday, August 15, 2018 16:55
To: Financial API Working Group List
Cc: Tom Jones
Subject: [Openid-specs-fapi] i wish to resign from FAPI

Please remove my name from the mailing list and from all future documentation produced by the wg.

If you care to know why; i thought i would list my reasons (these just relate to the FAPI part):
1. FAPI is being used by the UK OB & PSD2 folk as proof of security compliance but that only applies to the connection between the ASPSP and TPP, the user is not involved.
2. Since this is the Open ID foundation, i believe it is not part of our work to consider any standard where the user is not identified.
3. We have no input on user consent to the process.

I also have concerns about the damage that will be reflected on the OpenID foundation by association with a group that appears to have no interests in the user or the financial and time loss to the user that will (IMHO) result from user unhappiness with the way that their private data and actual assets are put on display without their explicit consent. It seems that the ASPSP has no choice but to accept a payment request initiated by any entity approved by any member state including Malta (with known tolerance for Russian oligarchs) or the channel islands which have been used by UK banks to avoid money laundering regulations. I do understand that they can refuse the request, but that action can be challenged by any TPP, which is certain to wear down their fiduciary duty to their users. The OP in the cases i have seen is not defined, so the threats cannot be fully known.

Peace ..tom
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