It's a little bit of a grey area, but the answer to your question is generally yes. That's why Europe's move to require a modern, unified API for banks, planne

It's a little bit of a grey area, but the answer to your question is generally yes. That's why Europe's move to require a modern, unified API for banks, planned to start this fall, is such a great thing. https://www.openbankingeurope.eu/ https://www.openbankingeurope.eu/ Most banks' incentives are not aligned with giving data to third parties ever. This is a case where hands-on regulation to compel banks to participate, and thereby clearly assigning legal liabilities, is such a great thing. Otherwise, we know for a fact that providers like plaid will fill that gap in functionality, kindof like the economics of black markets.