# CFPB seeks input on privacy and surveillance in digital payments

> The CFPB requested public input on collection, use, sharing, protection, and monetization of consumer payment and other financial data, including payment-platform surveillance, personalized pricing, Regulation P notices and opt-outs, and routine monitoring.

- URL: https://riadefi.com/regulation/2025-01-10-cfpb-digital-payment-data-privacy-rfi/
- Posture: Official signal · nonbinding
- Authorities: Consumer Financial Protection Bureau
- Event date: 2025-01-10
- Version: 1, published 2026-08-07 (first published 2026-08-07)
- Advisor-relevant: no

This entry records an official signal, such as a speech or a statement. It does not change the law.

## What changed

The CFPB requested public input on collection, use, sharing, protection, and monetization of consumer payment and other financial data, including payment-platform surveillance, personalized pricing, Regulation P notices and opt-outs, and routine monitoring. The notice expressly discussed stablecoins and other digital currencies; it did not itself change law.

## Who it affects

- Payment and wallet providers
- Stablecoin and other digital-currency platforms with consumer payment use cases
- Financial institutions and fintech data recipients
- Advisers whose client portals or vendors access payment data

## What is still open

- Whether the CFPB will pursue Regulation P, privacy, supervision, or enforcement changes based on the record
- How leadership changes and related withdrawn payment-mechanism guidance affect future action

## What it means for an advisor

- Inventory payment-data collection and vendor sharing, privacy notices, opt-out mechanics, secondary uses, personalized pricing, retention, security, and complaint handling while treating the RFI as nonbinding.

## Sources

1. [CFPB seeks input on privacy and surveillance in digital payments](https://www.consumerfinance.gov/archive/newsroom/cfpb-seeks-input-on-digital-payment-privacy-and-consumer-protections/) · Consumer Financial Protection Bureau · 2025-01-10


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Published by Ketju Research on RIADeFi (https://riadefi.com). Educational research for financial professionals; not investment, legal, tax, or compliance advice.