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“fundamentally unsafe” and that the agency had exceeded its authority in developing it.

✏️ “Exceed its authority” is the go-to complaint that always sounds so hollow 🔗 View Highlight

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Banks generally offer consumers extremely low interest rates on checking accounts — less than 0.1 percent on average — while then charging consumers ever-higher interest rates on auto loans, mortgages, and other lending. While net interest income has always been a cornerstone of banks’ business models, in recent years, profits from this scheme have reached historic levels.

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The nation’s four largest banks now see a stunning $175 million per day in revenue from this income.

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JPMorgan Chase — and Dimon. Last week, the bank reported a surprise jump in its net interest income: 92.5 billion in 2024 profits, about $1 billion more than expected.

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has only benevolent reasons for opposing open banking and the CFPB.

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Dimon was referring to concerns that giving consumers greater access to their financial data and allowing it to be more easily transferred to third parties poses data security risks for consumers.

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“It’s a sign, when people in power get upset like this, that policies are working — that the economy is changing, and it’s changing for the better.”

✏️ said by Emily Peterson-Cassin, the director of corporate power at Demand Progress, a progressive nonprofit. 👓 quote 🔗 View Highlight