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<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">No mention at all, to my knowledge. The US banks are generally resistant to “open” or even “ecosystem” banking as we know it in the UK. In fact the banks are signing bilateral
agreements with aggregators to restrict consumers’ access to their own data.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">I agree with you, safeguards and governance in consumer-permissioned data sharing is fertile ground for more innovation.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">Brian<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"><o:p> </o:p></span></p>
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<p class="MsoNormal"><b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">From:</span></b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"> Ralph Bragg [mailto:Ralph.Bragg@openbanking.org.uk]
<br>
<b>Sent:</b> Monday, June 12, 2017 12:40 PM<br>
<b>To:</b> Brian Costello <BCostello@yodlee.com>; 'Financial API Working Group List' <openid-specs-fapi@lists.openid.net>; Tom Jones <thomasclinganjones@gmail.com>; Dave Tonge <dave.tonge@momentumft.co.uk><br>
<b>Subject:</b> RE: [Openid-specs-fapi] EBA Regulatory Technical Standards<o:p></o:p></span></p>
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<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><span lang="EN-GB" style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D">Any mention of access to account information / data?<o:p></o:p></span></p>
<p class="MsoNormal"><span lang="EN-GB" style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D">The biggest driver for OpenBanking and biggest interest is unlocking the data held by banks – the UK has a number of almost instant clearance payment
systems available and has for some time. Immediacy of payment clearance isn’t where I’m expecting to see the most innovation with these APIs. It’s the data where I think we’ll see the most interesting innovations emerge.<o:p></o:p></span></p>
<p class="MsoNormal"><span lang="EN-GB" style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D"><o:p> </o:p></span></p>
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<p class="MsoNormal"><b><span style="font-size:10.0pt;font-family:"Tahoma",sans-serif">From:</span></b><span style="font-size:10.0pt;font-family:"Tahoma",sans-serif"> Openid-specs-fapi [<a href="mailto:openid-specs-fapi-bounces@lists.openid.net">mailto:openid-specs-fapi-bounces@lists.openid.net</a>]
<b>On Behalf Of </b>Brian Costello via Openid-specs-fapi<br>
<b>Sent:</b> 12 June 2017 20:17<br>
<b>To:</b> Tom Jones; Financial API Working Group List; Dave Tonge<br>
<b>Subject:</b> Re: [Openid-specs-fapi] EBA Regulatory Technical Standards<o:p></o:p></span></p>
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<p class="MsoNormal"><span lang="EN-GB"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">Indeed. This is the “upgrade” from ClearXchange, with Early Warning (bank owned) as the service provider.</span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"> </span><o:p></o:p></p>
<p class="MsoNormal"><b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">From:</span></b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"> Openid-specs-fapi [<a href="mailto:openid-specs-fapi-bounces@lists.openid.net">mailto:openid-specs-fapi-bounces@lists.openid.net</a>]
<b>On Behalf Of </b>Tom Jones via Openid-specs-fapi<br>
<b>Sent:</b> Monday, June 12, 2017 10:57 AM<br>
<b>To:</b> Dave Tonge <<a href="mailto:dave.tonge@momentumft.co.uk">dave.tonge@momentumft.co.uk</a>>; Financial API Working Group List <<a href="mailto:openid-specs-fapi@lists.openid.net">openid-specs-fapi@lists.openid.net</a>><br>
<b>Subject:</b> Re: [Openid-specs-fapi] EBA Regulatory Technical Standards</span><o:p></o:p></p>
<p class="MsoNormal"> <o:p></o:p></p>
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<p class="MsoNormal">looks like the US banks have build their own payment network.<o:p></o:p></p>
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<p class="MsoNormal"> <o:p></o:p></p>
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<p class="MsoNormal"><a href="https://www.nytimes.com/2017/06/12/business/dealbook/mobile-banking-zelle-venmo-apple-pay.html?module=WatchingPortal®ion=c-column-middle-span-region&pgType=Homepage&action=click&mediaId=thumb_square&state=standard&contentPlacement=4&version=internal&contentCollection=www.nytimes.com&contentId=https%3A%2F%2Fwww.nytimes.com%2F2017%2F06%2F12%2Fbusiness%2Fdealbook%2Fmobile-banking-zelle-venmo-apple-pay.html&eventName=Watching-article-click&_r=0">https://www.nytimes.com/2017/06/12/business/dealbook/mobile-banking-zelle-venmo-apple-pay.html?module=WatchingPortal®ion=c-column-middle-span-region&pgType=Homepage&action=click&mediaId=thumb_square&state=standard&contentPlacement=4&version=internal&contentCollection=www.nytimes.com&contentId=https%3A%2F%2Fwww.nytimes.com%2F2017%2F06%2F12%2Fbusiness%2Fdealbook%2Fmobile-banking-zelle-venmo-apple-pay.html&eventName=Watching-article-click&_r=0</a><o:p></o:p></p>
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<p class="MsoNormal"> <o:p></o:p></p>
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<p class="MsoNormal"> <o:p></o:p></p>
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<p class="MsoNormal">On Wed, Jun 7, 2017 at 7:52 AM, Dave Tonge via Openid-specs-fapi <<a href="mailto:openid-specs-fapi@lists.openid.net" target="_blank">openid-specs-fapi@lists.openid.net</a>> wrote:<o:p></o:p></p>
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<p class="MsoNormal"><span style="font-family:"Trebuchet MS",sans-serif">Hi John and FAPI list members,</span><o:p></o:p></p>
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<p class="MsoNormal"><span style="font-family:"Trebuchet MS",sans-serif"> </span><o:p></o:p></p>
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<p class="MsoNormal"><span style="font-family:"Trebuchet MS",sans-serif">Apologies my mic wasn't working on the call, but here is a quick update on the Regulatory Technical Standards on Strong Customer Authentication for PSD2.</span><o:p></o:p></p>
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<p class="MsoNormal"> <o:p></o:p></p>
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<p class="MsoNormal"><span style="font-family:"Trebuchet MS",sans-serif">The EBA's final draft is here:</span><o:p></o:p></p>
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<p class="MsoNormal"><span style="font-family:"Trebuchet MS",sans-serif"><a href="https://www.eba.europa.eu/documents/10180/1761863/Final+draft+RTS+on+SCA+and+CSC+under+PSD2+%28EBA-RTS-2017-02%29.pdf" target="_blank">https://www.eba.europa.eu/documents/10180/1761863/Final+draft+RTS+on+SCA+and+CSC+under+PSD2+%28EBA-RTS-2017-02%29.pdf</a></span><o:p></o:p></p>
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<p class="MsoNormal"><span style="font-family:"Trebuchet MS",sans-serif"> </span><o:p></o:p></p>
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<p class="MsoNormal"><span style="font-family:"Trebuchet MS",sans-serif">This draft includes their responses to feedback.</span><o:p></o:p></p>
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<p class="MsoNormal"><span style="font-family:"Trebuchet MS",sans-serif">FAPI sent the following feedback:</span><o:p></o:p></p>
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<p class="MsoNormal"><span style="font-family:"Trebuchet MS",sans-serif"><a href="https://www.eba.europa.eu/regulation-and-policy/payment-services-and-electronic-money/regulatory-technical-standards-on-strong-customer-authentication-and-secure-communication-under-psd2?p_p_auth=uy1W7oVC&p_p_id=169&p_p_lifecycle=0&p_p_state=maximized&p_p_col_id=column-2&p_p_col_pos=1&p_p_col_count=2&_169_struts_action=%2Fdynamic_data_list_display%2Fview_record&_169_recordId=1617559" target="_blank">https://www.eba.europa.eu/regulation-and-policy/payment-services-and-electronic-money/regulatory-technical-standards-on-strong-customer-authentication-and-secure-communication-under-psd2?p_p_auth=uy1W7oVC&p_p_id=169&p_p_lifecycle=0&p_p_state=maximized&p_p_col_id=column-2&p_p_col_pos=1&p_p_col_count=2&_169_struts_action=%2Fdynamic_data_list_display%2Fview_record&_169_recordId=1617559</a></span><o:p></o:p></p>
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<p class="MsoNormal"> <o:p></o:p></p>
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<p class="MsoNormal"><span style="font-family:"Trebuchet MS",sans-serif">You will notice in their feedback they ignore the issue of the confusion between authentication and authorisation.</span><o:p></o:p></p>
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<p class="MsoNormal"> <o:p></o:p></p>
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<p class="MsoNormal"><span style="font-family:"Trebuchet MS",sans-serif">The Commission has recently published a proposed amended version of the RTS:</span><o:p></o:p></p>
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<p class="MsoNormal"><span style="font-family:"Trebuchet MS",sans-serif"><a href="https://www.eba.europa.eu/documents/10180/1863077/RTSEBA24052017.pdf/0e8f0242-8964-473d-8495-184fec286519" target="_blank">https://www.eba.europa.eu/documents/10180/1863077/RTSEBA24052017.pdf/0e8f0242-8964-473d-8495-184fec286519</a></span><o:p></o:p></p>
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<p class="MsoNormal"> <o:p></o:p></p>
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<p class="MsoNormal"><span style="font-family:"Trebuchet MS",sans-serif">The changes made in the amendment are detailed in this letter:</span><o:p></o:p></p>
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<p class="MsoNormal"><span style="font-family:"Trebuchet MS",sans-serif"><a href="https://www.eba.europa.eu/documents/10180/1806975/%28EBA-2017-E-1315%29%20Letter+from+O+Guersent%2C%20FISMA+re+Commission+intention+to+amend+the+draft+RTS+on+SCA+and+CSC+-Ares%282017%292639906.pdf/efbf06e1-b0e9-4481-88e5-b70daa663cb9" target="_blank">https://www.eba.europa.eu/documents/10180/1806975/%28EBA-2017-E-1315%29%20Letter+from+O+Guersent%2C%20FISMA+re+Commission+intention+to+amend+the+draft+RTS+on+SCA+and+CSC+-Ares%282017%292639906.pdf/efbf06e1-b0e9-4481-88e5-b70daa663cb9</a></span><o:p></o:p></p>
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<p class="MsoNormal"> <o:p></o:p></p>
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<p class="MsoNormal"><span style="font-family:"Trebuchet MS",sans-serif">There is currently uncertainty as to whether the amended draft will be adopted. From a bank and TPP perspective here in the UK we believe that the amendments will have unintended consequences
and will publish a letter shortly where we detail our concerns.</span><o:p></o:p></p>
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<p class="MsoNormal"> <o:p></o:p></p>
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<p class="MsoNormal"><span style="font-family:"Trebuchet MS",sans-serif">Further to the RTS (which is more about principles than technical standards) the Euro Retail Payments Board at the European Central Bank is working on actual technical standards to be
promoted across the EU for PSD2. Their latest report is attached and it is from this report that we started consideration of CIBA to support "decoupled" flows.</span><o:p></o:p></p>
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<p class="MsoNormal"> <o:p></o:p></p>
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<p class="MsoNormal"><span style="font-family:"Trebuchet MS",sans-serif">FAPI also drafted a letter to the ERPB working group which I've also attached.</span><o:p></o:p></p>
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<p class="MsoNormal"> <o:p></o:p></p>
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<p class="MsoNormal"><span style="font-family:"Trebuchet MS",sans-serif">I'm happy to answer any questions the group may have regarding these documents.</span><o:p></o:p></p>
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<p class="MsoNormal"><span style="font-family:"Trebuchet MS",sans-serif">It is worth noting that in the UK, the Financial Conduct Authority and Her Majesty's Treasury have both endorsed the work of OpenBanking Ltd on the Open Banking Standard:</span><o:p></o:p></p>
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<p class="MsoNormal"> <o:p></o:p></p>
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<p class="MsoNormal"><span style="font-family:"Trebuchet MS",sans-serif">FCA Approach Doc
<a href="https://www.fca.org.uk/publication/consultation/cp17-11-draft-approach-document.pdf" target="_blank">
17.66</a>:</span><o:p></o:p></p>
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<p class="MsoNormal"><i>During the period before the SCA-RTS becomes applicable, the parties may find it helpful to take account of industry standards which are being developed as a result of the Competition and Markets Authority’s Open Banking Remedy</i><o:p></o:p></p>
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<p class="MsoNormal"> <o:p></o:p></p>
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<p class="MsoNormal">HMT Consultation on PSD2 <a href="https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/589023/implementation_of_revised_EU_directive.pdf" target="_blank">
6.10</a>:<o:p></o:p></p>
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<p class="MsoNormal"><i>The government therefore sees the PSDII implementing regulations as providing the legislative foundations on which the Open Banking API Standard then sits. Although APIs are only one method by which ASPSPs could provide the access to
AISPs or PISPs mandated under the PSDII, the government believes a commonly utilised API framework will lead to greater competition in the retail banking and “third party” services market and better outcomes for payers and other end users. </i><o:p></o:p></p>
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<p class="MsoNormal"> <o:p></o:p></p>
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<p class="MsoNormal"> <o:p></o:p></p>
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<p class="MsoNormal">On a final note, a number of the "CMA9" banks who are mandated to implement the Open Banking Standard have operations in other EU states (e.g. Danske, AIB, BOI) and my understanding is that they want to use the standard not only in the
UK but for all their operations.<o:p></o:p></p>
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<p class="MsoNormal"> <o:p></o:p></p>
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<p class="MsoNormal">Hopefully we will see increased adoption of FAPI over the coming months.<o:p></o:p></p>
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<p class="MsoNormal"><span style="color:#888888"> </span><o:p></o:p></p>
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<p class="MsoNormal"><span style="color:#888888"> </span><o:p></o:p></p>
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<p class="MsoNormal"><span class="hoenzb"><span style="color:#888888">-- </span></span><o:p></o:p></p>
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<p class="MsoNormal"><b><span style="font-size:10.5pt;font-family:"Open Sans",serif;color:#00A4B7">Dave Tonge</span></b><o:p></o:p></p>
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<p class="MsoNormal"><span style="font-size:8.5pt;font-family:"Open Sans",serif;color:#333333">CTO</span><o:p></o:p></p>
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<p class="MsoNormal"><span style="font-size:8.5pt;font-family:"Open Sans",serif;color:#333333"><a href="http://www.google.com/url?q=http%3A%2F%2Fmoneyhubenterprise.com%2F&sa=D&sntz=1&usg=AFQjCNGUnR5opJv5S1uZOVg8aISwPKAv3A" target="_blank"><span style="color:#835EA5;text-decoration:none"><img border="0" width="200" height="50" id="_x0000_i1025" src="http://content.moneyhub.co.uk/images/teal_Moneyhub-Ent_logo_200x50.png" alt="Moneyhub Enterprise"></span></a></span><o:p></o:p></p>
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<p class="MsoNormal"><span style="font-size:8.5pt;font-family:"Open Sans",serif;color:#00A4B7">10 Temple Back, Bristol, BS1 6FL</span><o:p></o:p></p>
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<p class="MsoNormal"><b><span style="font-size:8.5pt;font-family:"Open Sans",serif;color:#00A4B7">t: </span></b><span style="font-size:8.5pt;font-family:"Open Sans",serif;color:#333333"><a href="tel:+44%20117%20280%205120" target="_blank">+44 (0)117 280 5120</a></span><o:p></o:p></p>
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<p class="MsoNormal"><span style="font-size:10.5pt;font-family:"Open Sans",serif;color:#616161"> </span><o:p></o:p></p>
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<p class="MsoNormal"><span style="font-size:8.0pt;font-family:"Open Sans",serif;color:#333333">Moneyhub Enterprise is a trading style of Momentum Financial Technology Limited which is authorised and regulated by the Financial Conduct Authority ("FCA"). Momentum
Financial Technology is entered on the Financial Services Register (FRN </span><b><span style="font-size:8.0pt;font-family:"Open Sans",serif;color:#00A4B7">561538</span></b><span style="font-size:8.0pt;font-family:"Open Sans",serif;color:#333333">) at
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Financial Technology Limited 2016. </span><span style="font-size:8.0pt;font-family:"Open Sans",serif;color:#888888">DISCLAIMER: This email (including any attachments) is subject to copyright, and the information in it is confidential. Use of this email or
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_______________________________________________<br>
Openid-specs-fapi mailing list<br>
<a href="mailto:Openid-specs-fapi@lists.openid.net">Openid-specs-fapi@lists.openid.net</a><br>
<a href="http://lists.openid.net/mailman/listinfo/openid-specs-fapi" target="_blank">http://lists.openid.net/mailman/listinfo/openid-specs-fapi</a><o:p></o:p></p>
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