摩根大通“开炮”，华尔街与金融科技数据大战一触即发

Core Viewpoint - A battle has emerged between Wall Street giants and fintech companies over consumer financial data access, initiated by JPMorgan Chase's decision to charge fintech firms for accessing bank customer data [1][3]. Group 1: JPMorgan Chase's Actions - JPMorgan Chase, the largest bank in the U.S. by assets, has informed several fintech startups that starting in September, it will charge fees for accessing bank customer data, providing a specific pricing list [3]. - The new fee structure has sparked outrage among smaller fintech companies, with some stating that the proposed fees exceed their revenues [3]. - JPMorgan claims to have invested millions in building APIs for secure access to customer data and reports receiving 2 billion API requests monthly, with 90% unrelated to bank customers using fintech services [3]. Group 2: Regulatory Context - The Consumer Financial Protection Bureau (CFPB) under the Biden administration had previously prohibited banks from charging third parties for consumer data access, but this regulation was modified under the Trump administration [3]. - The Financial Data and Technology Association's director criticized JPMorgan's move, stating that accessing its data could consume 60% to over 100% of some companies' annual revenues [3]. Group 3: Industry Reactions and Implications - Fintech companies have initiated lawsuits to restore the previous CFPB rules, indicating significant pushback against JPMorgan's new fee structure [3]. - JPMorgan's CEO, Jamie Dimon, has previously warned about the threats fintech companies pose to traditional banks, and now other banks, like PNC, are considering similar actions [4]. - The fintech industry is attempting to link the "bank data fees" to hindering the cryptocurrency sector, aiming to influence the Trump administration [4].