Now, consumers can use a non-bank financial app, like a budgeting tool, and connect it to their spending, saving and credit card accounts to reveal insights about their transactions. The banks that support this type of integration recognize it as an opportunity to improve the customer experience and even provide new services. At October’s Money 20/20 conference, Chopra unveiled a process for exercising the CFPB’s authority under Section 1033 of the Dodd-Frank Consumer Financial Protection Act that could lay the foundation for open banking. While specifics have yet to be defined, the rule would obligate financial institutions to share data with consumers upon their request. At the least, this would bolster industry competition by making it easier for consumers to pack up and switch banks for reasons like bad service.
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Solar Cycle 25 has roared to life faster than forecasters expected. The sun’s strengthening and increasingly tangled magnetic field repels cosmic rays from deep space. In addition, solar coronal mass ejections sweep aside cosmic rays, causing sharp reductions called “Forbush Decreases.” The two effects blend together to bring daily radiation levels down. The students are selling space pendants to pay the helium bill for their cosmic ray ballooning program. Each one comes with a greeting card showing the jewelry in flight and telling the story of its trip to the stratosphere and back again. “The sun is coming more alive now and looks ready to make a run at exceeding the max TCI of Solar Cycle 24,” notes Dr. Marty Mlynczak of NASA.