Zaščita finančne zasebnosti v digitalni dobi: oblikovanje močnejšega okvira

Inštitut Cato | Nicholas Anthony | May 2, 2023

Slika: Pixabay/Geralt

• Financial privacy in the United States has been deteriorating over the past 50 years, with the third-party doctrine and Bank Secrecy Act weakening Fourth Amendment protections.
  • The Right to Financial Privacy Act, enacted in 1978, provides some protections but is undermined by numerous exceptions. A revised legal and regulatory framework must protect against warrantless searches and seizures.
  • Congress should amend the Right to Financial Privacy Act to remove exceptions, requiring government agencies to obtain warrants or subpoenas and notify Americans when accessing their financial information. This is necessary to restore financial privacy, particularly in the digital age.

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• Več ključna priporočila do establish a stronger framework for financial privacy in the United States.
  • These include removing exceptions to the protections of the Right to Financial Privacy Act, eliminating 26 U.S.C. Section 6050I, strengthening the formal written requests provisions of the Act;
  • Repealing the Bank Secrecy Act or at least its customer reporting requirements;  R
  • equiring inflation adjustments to reporting thresholds;
  • Publicly reporting the effectiveness of suspicious activity and currency transaction reports; and
  • Enacting protections for two-party transactions, such as peer-to-peer exchanges and self-hosted wallets, to prevent further encroachment of financial surveillance on Americans’ privacy.
• Holding cryptocurrency in a “self‐​hosted” wallet is merely the digital equivalent of holding physical cash in a traditional wallet. It gives the owner complete control over what’s held inside it and, to the extent that they want to do so, the ability to maintain their privacy. Congress should not let financial surveillance further encroach on Americans’ privacy by being expanded to cover self‐​hosted wallets and peer‐​to‐​peer exchanges.

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• It is time to reconsider the third‐​party doctrine, the reasonable expectation of privacy, and financial privacy. “Having technology” in the 1970s meant having a television and an electric typewriter. Less than 20 percent of families had a credit card issued by a bank.  Today, Americans use credit or debit cards for nearly all purchases, acquire loans directly on their phones, and leave a digital trail nearly everywhere they go. So, while such financial records may have offered only limited insights into one’s life in the 1970s, these financial records now offer a full, detailed representation of one’s life.

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O National Crowdfunding & Fintech Association (NCFA Canada) je ekosistem finančnih inovacij, ki ponuja izobraževanje, tržno inteligenco, vodenje industrije, možnosti povezovanja in financiranja ter storitve za tisoče članov skupnosti in tesno sodeluje z industrijo, vlado, partnerji in podružnicami, da bi ustvaril živahen in inovativen fintech in financiranje industrija v Kanadi. Decentralizirana in distribuirana NCFA sodeluje z globalnimi zainteresiranimi stranmi in pomaga pri inkubiranju projektov in naložb v fintech, alternativne finance, crowdfunding, medsebojno financiranje, plačila, digitalna sredstva in žetone, blockchain, kripto valute, regtech in insurtech sektorje. pridruži se Kanadska skupnost Fintech & Funding danes BREZPLAČNO! Ali pa postanite prispeva član in dobiš perke. Za več informacij obiščite: www.ncfacanada.org