Over the last two decades, the emergence of new intermediaries that aggregate data from numerous sources has enabled financial services providers of all kinds to provide consumers with a more complete view of their financial lives. This, in turn, has contributed to the recent growth of financial technology (“fintech”) companies that are using these data to provide new tools and services to consumers.

This brief outlines a set of principles to guide the financial services industry as it works to establish a data-sharing ecosystem that is secure, inclusive and innovative.