Financial Data of Consumers Discussion

The bureau that handles consumers’ financial data will ensure that all consumers have access to fair, clear, and competitive marketplaces for consumer financial products and services by consistently administering and enforcing federal consumer finance legislation. Data heavily influence this work. The bureau acquires data to inform its decisions to execute its statutory tasks and obligations. Some of these activities include writing regulations, supervising businesses, and implementing the law. The bureau handles customer complaints, provides financial education, and researches the consumer experience with financial goods. It keeps an eye on the financial markets for new consumer threats. This study explains the bureau’s data governance program, including what data it gathers, where it comes from, how it uses data, and how it reuses data inside the bureau. The bureau produced a supplement on June 27, 2019, that contains information on voluntarily contributed consumer data assets as well as third-party fees related to the purchase and gathering of data.

Permission from the Office of Management and Budget (OMB) must be taken by the bureau while collecting data from ten or more people. As needed, the bureau also seeks public input on certain collections. OMB passes information collection plans maintained by the bureau. These information collection plans, which the bureau can seek from the OMB, can conduct individual surveys on pre-defined themes of interest. In most cases, qualitative data are collected from non-statistically significant groups by purposeful sampling. To get data quality by improving response rates, study consumer participants are continuously appointed for a small incentive, i.e., for an hour or less up to $40 and more than an hour up to $75. According to OMB criteria for all generic information collection programs, these data are voluntary, low burden, noncontroversial, and formative. Furthermore, they are not used for program evaluation or to inform regulation or policymaking. The generic information collection plan makes a process by which the bureau can get approval from OMB for systematic data collection from both financial education practitioners and consumers to understand better consumer financial education needs and the effectiveness of existing financial education programs. Under OMB Control No. 3170-0036, the bureau has been permitted to collect this data type.

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The bureau can conduct individual surveys on pre-defined themes of interest when information collection plans get approval from the Office of Management and Budget. The bureau might use the generic information gathering plans to identify areas of interest for its researchers to investigate further and conduct trials to better understand consumer attitudes toward economic concerns. Plans help to improve the quality of data collected by the bureau. Information plans made by the bureau helps to see that in surveys and disclosures, such a language is to be used that the general public can easily understand. The researchers use plans to get feedback on the bureau’s efforts to help the general public.

Audio of focus group participants, video of focus group participants, email addresses of focus group participants so that they may submit comments, and contact information used to conduct surveys are all examples of DPI acquired. According to the Privacy Policy Bureau, access to the data assets that contain these IDs is restricted to personnel who require it for their employment.

Obligations in Financial Data of Consumers
DPIs are stand-alone data items (such as a person’s name or address) that can be used to identify them, as explained in greater detail in the data report. The bureau purchases data from suppliers, as indicated in the data report. Some of these things can be acquired by both sectors, i.e., public as well as private. These data assets could be a single data asset or a collection of data assets stored in a single data system. Appendix E details bureau (or budgeted cost) responsibilities for getting commercially vended data assets, as mentioned in Appendix B of the data report.

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