美国消费者金融保护局（CFPB）提出新规，旨在加强对数据经纪人的监管，限制其出售包含个人识别信息的个人和财务数据，例如社保号码和电话号码。此举旨在防止诈骗者获取此类数据并针对特定个人进行诈骗。数据经纪行业一直缺乏监管，引发了隐私专家、政界人士和消费者的担忧。新规将数据经纪人纳入1970年《公平信用报告法》的监管范围，使其与信用机构等同对待，并赋予CFPB更广泛的权力来监管科技巨头的数据收集和共享政策，以保护消费者隐私和国家安全。

🤔 **CFPB提案限制数据经纪人出售包含个人识别信息的个人数据：**该提案旨在防止数据经纪人出售包含社保号码、电话号码等个人识别信息的个人和财务数据，从而减少诈骗风险。

📅 **数据经纪人将被纳入《公平信用报告法》监管：**根据提案，数据经纪人将与信用机构、背景调查公司等同对待，受该法案保护消费者个人数据的规定约束。

🛡️ **CFPB扩展监管范围，加强对科技巨头数据收集和共享的监管：**除了数据经纪人外，CFPB还将扩展监管范围，涵盖数字钱包、支付处理等领域，并加强对科技巨头数据收集和共享政策的监管。

⚠️ **保护个人隐私和国家安全：**CFPB局长Rohit Chopra表示，数据经纪人未经用户知情同意出售敏感个人数据，可能导致诈骗、跟踪和间谍活动，威胁个人安全和国家安全。

🌍 **与拜登政府其他举措相呼应：**此举与拜登政府此前发布的打击外国实体获取美国人个人数据的行政令相呼应，共同致力于保护公民隐私和国家安全。

Data brokers will be on a tighter leash when handling Americans' personal data, according to a new proposition by the U.S. Consumer Financial Protection Bureau (CFPB).

Under the proposed rules, brokers would be blocked from selling personal and financial data that contains identifying information, including Social Security numbers and phone numbers — a move that would also limit the ability of scammers to procure such data and target individuals specifically. Data brokerage is a vastly under-regulated area of concern for privacy experts, politicians, and consumers alike.

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The regulations — should they remain under a Trump presidency — will recategorize brokers under the Fair Credit Reporting Act, passed in 1970, which protects consumers' personal data collected by credit agencies. According to CFPB director Rohit Chopra, the act has been widely evaded by data traders, and with the new policy, brokers would be treated the same as credit bureaus and background check companies, or any other company that sells data about income or credit scores, histories, and debt payments, TechCrunch reported.

"By selling our most sensitive personal data without our knowledge or consent, data brokers can profit by enabling scamming, stalking, and spying," wrote Chopra. "The CFPB’s proposed rule will curtail these practices that threaten our personal safety and undermine America’s national security."

In February, President Joe Biden passed an executive order cracking down on foreign actors selling and procuring Americans' personal data, authorizing federal powers to prohibit data transactions with "countries of concern." At the time, this included known American adversaries like China, Russia, North Korea, Iran, and Venezuela.

Just last week, the bureau announced broader regulatory oversight of companies managing digital wallets and payment processing, including Apple Pay and Venmo, which will now be categorized in the same way as banking institutions and creditors. The agency also expanded its ability to monitor Big Tech's data collection and sharing policies under consumer protection laws.