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国际资讯基于互联网平台的金融业务监管与政策

被控夸大宣传 金融数据公司Dwolla遭CFPB处罚

来自得梅因市的Dwolla最近收到了美国联邦政府机构的一纸罚单,他们被控在公司数据安全处理方面有不当行为。

美国消费者金融保护局(后文简称CFPB)在做出首次处罚时要求这家金融科技公司支付10万美元的罚金,同时公布该机构数据安全处理细节。

Dwolla于2009年在美国得梅因市成立,主营在线支付与汇款业务。

而上周三的第二张罚单中,CFPB指控Dwolla误导消费者通过上传个人信息建立账户,在平台安全方面存在不当行为。

比如,从2011年1月到2014年3月,Dwolla在其网站上宣称其安全水平已经超过业内同行,而且他们可以为所有个人信息进行加密保护。但CFPB调查后表示,一切并非如此。

此外,直到2012年12月之前,Dwolla都没有对其雇员进行全面正规的客户信息处理常识培训。而所谓第一次正规培训也得追溯到2014年年中。

Dwolla共有65.3万名用户,截止2015年5月,每天交易量达到500万美元。

在一份声明中Dwolla表示:"CFPB尚未发现Dwolla公司的运营给消费者带来的或可能带来什么危害。自Dwolla成立以来五年都是如此。Dwolla从来没有发现任何数据泄露的迹象,而且从来没有人就此发出过警告或抱怨。"

CFPB上周三还表示,他们对Dwolla数据泄露并不了解,而且此次罚单也并不意味着他们发现了类似的可能。

Dwolla再次就CFPB提出的问题向公众道歉,并在其网站上发表了公开声明。

A federal agency has fined Des Moines-based Dwolla for misleading users about the company's data security practices.

In its first action regarding data security, the Consumer Financial Protection Bureau ordered the financial technology company to pay $100,000 and bolster how it handles security.

Dwolla started in Des Moines in 2009. It operates an online payments-transfer network.

In an order filed Wednesday, the CFPB said Dwolla misrepresented the security of its platform, which has users submit personal information to set up an account.

For example, from January 2011 to March 2014, Dwolla said on its website that its security exceeded industry standards and that it encrypted all personal information. The CFPB found that that was not entirely the case, though, according to its order.

In addition, the CFPB said Dwolla employees "received little to no" training on how to safely handle consumer data until at least December 2012. The company did not hold its first mandatory employee training until the middle of 2014, according to the order.

Dwolla had about 653,000 members and transferred up to $5 million per day as of May 2015, according to the CFPB order.

In a statement, Dwolla said it "understands the bureau’s concerns regarding the protection of consumer data and representations about data security standards, and Dwolla’s current data security practices meet industry standards."

"The CFPB has not found that Dwolla caused any consumer harm or created the likelihood of any consumer harm through its data security practices," the statement reads. "This is consistent with the fact that since its launch over 5 years ago, Dwolla has not detected any evidence or indicators of a data breach, nor has Dwolla received a notification or complaint of such an event."

The CFPB also said Wednesday it is not aware of any data breaches with Dwolla. It's order also does not make note of any breaches.

Dwolla also apologized and described its security standards in a blog post published on its website.

"It has never been the company’s intent to mislead anyone on critical issues like data security. For any confusion we may have caused, we sincerely apologize," the blog reads.


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