{"abstract":"The Consumer Financial Protection Bureau (CFPB or Bureau) is seeking comments and data to inform its consideration of four issues related to implementation of section 1033 of the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act). These issues are: the proper understanding of who can serve as a \"representative\" making a request on behalf of the consumer; the optimal approach to the assessment of fees to defray the costs incurred by a \"covered person\" in responding to a customer driven request; the threat and cost-benefit pictures for data security associated with section 1033 compliance; and the threat picture for data privacy associated with section 1033 compliance.","action":"Advance notice of proposed rulemaking.","agencies":[{"raw_name":"Consumer Financial Protection Bureau","name":"Consumer Financial Protection Bureau","id":573,"url":"https://www.federalregister.gov/agencies/consumer-financial-protection-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/573","parent_id":null,"slug":"consumer-financial-protection-bureau"}],"body_html_url":"https://www.federalregister.gov/documents/full_text/html/2025/08/22/2025-16139.html","cfr_references":[{"chapter":null,"citation_url":null,"part":"1033","title":12}],"citation":"90 FR 40986","comment_url":null,"comments_close_on":"2025-10-21","correction_of":null,"corrections":[],"dates":"Comments must be received on or before October 21, 2025.","disposition_notes":null,"docket_ids":["Docket No. CFPB-2025-0037"],"dockets":[{"supporting_documents":[],"agency_name":"CFPB","documents":[{"comment_count":13981,"comment_start_date":"2025-08-22","updated_at":"2025-11-18T00:56:10.624-05:00","comment_url":"https://www.regulations.gov/commenton/CFPB-2025-0037-0001","allow_late_comments":false,"id":"CFPB-2025-0037-0001","comment_end_date":"2025-10-22","regulations_dot_gov_open_for_comment":false}],"supporting_documents_count":0,"id":"CFPB-2025-0037","title":"Personal Financial Data Rights Reconsideration"}],"document_number":"2025-16139","effective_on":null,"end_page":40989,"executive_order_notes":null,"executive_order_number":null,"full_text_xml_url":"https://www.federalregister.gov/documents/full_text/xml/2025/08/22/2025-16139.xml","html_url":"https://www.federalregister.gov/documents/2025/08/22/2025-16139/personal-financial-data-rights-reconsideration","images":{},"images_metadata":{},"json_url":"https://www.federalregister.gov/api/v1/documents/2025-16139?publication_date=2025-08-22","mods_url":"https://www.govinfo.gov/metadata/granule/FR-2025-08-22/2025-16139/mods.xml","not_received_for_publication":null,"page_length":4,"page_views":{"count":9302,"last_updated":"2026-08-13 22:15:06 -0400"},"pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-08-22/pdf/2025-16139.pdf","presidential_document_number":null,"proclamation_number":null,"public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-16139.pdf?1755780335","publication_date":"2025-08-22","raw_text_url":"https://www.federalregister.gov/documents/full_text/text/2025/08/22/2025-16139.txt","regulation_id_number_info":{"3170-AB39":{"issue":"202504","html_url":"https://www.federalregister.gov/regulations/3170-AB39/personal-financial-data-rights-reconsideration","title":"Personal Financial Data Rights Reconsideration","xml_url":"http://www.reginfo.gov/public/do/eAgendaViewRule?pubId=202504&RIN=3170-AB39&operation=OPERATION_EXPORT_XML","priority_category":"Other Significant"}},"regulation_id_numbers":["3170-AB39"],"regulations_dot_gov_info":{"supporting_documents":[],"regulatory_plan":{"html_url":"https://www.federalregister.gov/regulations/3170-AB39/personal-financial-data-rights-reconsideration","title":"Personal Financial Data Rights Reconsideration"},"comments_count":13981,"agency_id":"CFPB","comments_url":"https://www.regulations.gov/docketBrowser?rpp=50&so=DESC&sb=postedDate&po=0&dct=PS&D=CFPB-2025-0037","supporting_documents_count":0,"docket_id":"CFPB-2025-0037","document_id":"CFPB-2025-0037-0001","regulation_id_number":"3170-AB39","title":"Personal Financial Data Rights Reconsideration","checked_regulationsdotgov_at":"2025-11-19T09:55:03Z"},"regulations_dot_gov_url":null,"significant":true,"signing_date":null,"start_page":40986,"subtype":null,"title":"Personal Financial Data Rights Reconsideration","toc_doc":"Personal Financial Data Rights Reconsideration","toc_subject":null,"topics":[],"type":"Proposed Rule","volume":90}