{"id":1388,"date":"2024-12-07T14:58:06","date_gmt":"2024-12-07T13:58:06","guid":{"rendered":"https:\/\/www.trader-france.com\/?p=1388"},"modified":"2024-12-07T15:00:02","modified_gmt":"2024-12-07T14:00:02","slug":"fida-lue-veut-partager-vos-donnees-bancaires-et-financieres","status":"publish","type":"post","link":"https:\/\/www.trader-france.com\/index.php\/2024\/12\/07\/fida-lue-veut-partager-vos-donnees-bancaires-et-financieres\/","title":{"rendered":"FIDA : L’UE veut partager vos donn\u00e9es bancaires et financi\u00e8res"},"content":{"rendered":"\n

Extrait de l’article \u00ab\u00a0FIDA\u00a0: la nouvelle r\u00e8glementation europ\u00e9enne pour l\u2019ouverture de l\u2019acc\u00e8s aux donn\u00e9es financi\u00e8res\u00a0\u00bb<\/a><\/em> (source : Deloitte) <\/p>\n\n\n\n

\u00ab\u00a0FIDA permettra aux consommateurs et aux entreprises d’autoriser des tiers (les utilisateurs de donn\u00e9es) \u00e0 acc\u00e9der \u00e0 leurs donn\u00e9es d\u00e9tenues par des institutions financi\u00e8res<\/strong> (les d\u00e9tenteurs de donn\u00e9es). A quelques exceptions pr\u00e8s li\u00e9es aux produits de sant\u00e9, tous les produits financiers seront concern\u00e9s \u00ab\u00a0<\/em><\/p>\n\n\n\n

\u00ab\u00a0les utilisateurs de donn\u00e9es auront un acc\u00e8s en lecture de ces donn\u00e9es<\/strong>\u00ab\u00a0<\/em><\/p>\n\n\n\n

\u00ab\u00a0Le 28 juin 2023, la Commission Europ\u00e9enne a publi\u00e9 sa proposition l\u00e9gislative pour un nouveau cadre d’acc\u00e8s aux donn\u00e9es financi\u00e8res (FIDA). Une fois finalis\u00e9, FIDA \u00e9tendra les obligations de partage de donn\u00e9es de paiement<\/strong> d\u00e9finies dans le cadre de DSP2 \u00e0 presque toutes les donn\u00e9es des services financiers. Ce cadre constituera la base l\u00e9gislative de l’Open Finance dans l’UE.\u00a0\u00bb<\/em><\/p>\n\n\n\n

\u00ab\u00a0FIDA donnera aux consommateurs et aux entreprises le droit d’autoriser des tiers (les utilisateurs de donn\u00e9es) \u00e0 acc\u00e9der et \u00e0 utiliser leurs donn\u00e9es financi\u00e8res<\/strong>.\u00a0\u00bb<\/em><\/p>\n\n\n\n

<\/p>\n\n\n\n

\u00ab\u00a0Le champ d\u2019application (qui reste \u00e0 confirmer) comprend des informations relatives aux cr\u00e9dits, produits d\u2019\u00e9pargne et d\u2019investissement, aux crypto-actifs, aux produits retraites collectifs et individuels, et aux produits d’assurance IARD et pr\u00e9voyance. Il comporte \u00e0 la fois les donn\u00e9es fournies par le client, les donn\u00e9es issues des interactions avec le client, mais aussi les donn\u00e9es relatives aux conditions particuli\u00e8res des produits et services<\/em>.\u00a0\u00bb<\/p>\n\n\n\n

\u00ab\u00a0Le r\u00e9gulateur identifie avec Open Finance un risque d\u2019exclusion financi\u00e8re li\u00e9 \u00e0 la cr\u00e9ation de profils de consommation plus pr\u00e9cis gr\u00e2ce \u00e0 la combinaison des donn\u00e9es clients par les utilisateurs de donn\u00e9es<\/strong><\/em>\u00ab\u00a0<\/p>\n\n\n\n

\u00ab\u00a0Les d\u00e9tenteurs de donn\u00e9es seront contraints de rendre les donn\u00e9es client disponibles \u00e0 un utilisateur de donn\u00e9es sur demande de leurs clients<\/strong><\/em>\u00ab\u00a0<\/p>\n\n\n\n

\u00ab\u00a0Le partage des donn\u00e9es, et notamment l\u2019acc\u00e8s aux donn\u00e9es par des conglom\u00e9rats non financiers<\/strong>, sera r\u00e9gul\u00e9 par plusieurs dispositions. Notamment, si un utilisateur de donn\u00e9es fait partie d\u2019un groupe plus large, seule l\u2019entit\u00e9 autoris\u00e9e en tant qu\u2019utilisateur de donn\u00e9es pourra acc\u00e9der et utiliser les donn\u00e9es clients.\u00a0\u00bb<\/em><\/p>\n\n\n\n

Voir aussi :<\/strong> FiDA\u202f: une triple menace pour la souverainet\u00e9, l\u2019\u00e9galit\u00e9 et la s\u00e9curit\u00e9 bancaire en Europe<\/a><\/strong><\/em> (source : Agefi)<\/p>\n\n\n\n

<\/p>\n\n\n\n

\"\"<\/a><\/p>\n\n\n\n

<\/p>\n\n\n\n

\"\"<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Extrait de l’article \u00ab\u00a0FIDA\u00a0: la nouvelle r\u00e8glementation europ\u00e9enne pour l\u2019ouverture de l\u2019acc\u00e8s aux donn\u00e9es financi\u00e8res\u00a0\u00bb (source : Deloitte) \u00ab\u00a0FIDA permettra aux consommateurs et aux entreprises d’autoriser des tiers (les utilisateurs de donn\u00e9es) \u00e0 acc\u00e9der \u00e0 leurs donn\u00e9es d\u00e9tenues par des institutions financi\u00e8res (les d\u00e9tenteurs de donn\u00e9es). A quelques exceptions pr\u00e8s li\u00e9es aux produits de sant\u00e9, […]<\/p>\n","protected":false},"author":1,"featured_media":601,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[10],"tags":[],"class_list":["post-1388","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites"],"yoast_head":"\nFIDA : L'UE veut partager vos donn\u00e9es bancaires et financi\u00e8res - Trader France<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.trader-france.com\/index.php\/2024\/12\/07\/fida-lue-veut-partager-vos-donnees-bancaires-et-financieres\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"FIDA : L'UE veut partager vos donn\u00e9es bancaires et financi\u00e8res - Trader France\" \/>\n<meta property=\"og:description\" content=\"Extrait de l’article \u00ab\u00a0FIDA\u00a0: la nouvelle r\u00e8glementation europ\u00e9enne pour l\u2019ouverture de l\u2019acc\u00e8s aux donn\u00e9es financi\u00e8res\u00a0\u00bb (source : Deloitte) \u00ab\u00a0FIDA permettra aux consommateurs et aux entreprises d’autoriser des tiers (les utilisateurs de donn\u00e9es) \u00e0 acc\u00e9der \u00e0 leurs donn\u00e9es d\u00e9tenues par des institutions financi\u00e8res (les d\u00e9tenteurs de donn\u00e9es). 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