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国际资讯监管与政策

保护消费者知情权,FCA发布银行安全事件应急汇报新规

国际资讯监管与政策

保护消费者知情权,FCA发布银行安全事件应急汇报新规

上周三,英国金融行为监管局(后文简称FCA)发布了一条有关英国银行系统崩溃和安全事件相关信息共享的法规。

2017年7月发布的一份咨询文简显示,消费者在进行银行服务选择时,如果能够更好地了解银行服务质量,则选择的难度会相对降低。

而知情权就是其中一个问题,但是英国银行届目前并没有在这一方面形成一个一致标准。

过去一年中,金融行业数据泄露和攻击事件频发,比如2018年5月就有万事达卡公司和TSB银行等多家机构“中招”。金融服务也因在安全事件和计划外事件的响应能力方面而备受压力。

对消费者来说亦是如此,他们尤其关心这些重大计划外服务崩溃事件发生的概率,因为这恰好能够提前服务提供商在系统抵抗性和安全性方面的实际能力。

因此FCA提出了规定银行必须公布过去一年内他们在线、电话和手机银行服务遭遇的重大事件总数的想法。

文件中提到:"为了消费者可以方便获取,我们认为此类信息最好由公司将之与其他规定发布的服务信息一起公布,而不是FCA另行公布此类信息。"

FCA发布该文件后,2017年12月确认其将推动改变,新规定现于2018年8月15日生效。

FCA与英国银行7月发布了联合讨论文件,同时要求银行和金融服务公司在2018年10月5日前提供其服务崩溃响应流程的具体细节以及他们面临此类事件的风险值。讨论文件还要求金融服务提供商表明他们系统崩溃最大可接受时间。

Improvements in how UK banks share information on system outages and security incidents with customers will come into effect tomorrow (15 August), endorsed by the Financial Conduct Authority (FCA).

The work is part of a wider push by the financial regulator to make it easier for customers to compare the different personal and business current accounts available on the market, so they can make more informed decisions on which bank to go with.

A consultation document, published in July 2017, said that when making these decisions, customers benefit from having access to information on the quality of service provided by banks, but there is little consistency in how providers make this information accessible.

This makes it harder for consumers to make meaningful comparisons when weighing up one bank’s offerings against another, particularly when it comes to establishing how many major operational or security incidents the providers have reported to the FCA over a set period of time.

“They [customers] were particularly interested in the frequency of major unplanned service outages,” the document states.

“They considered that frequent, unplanned interruptions may be a sign of poor investment in the resilience of systems and security. Not being able to access services for a period of one hour or more would cause them significant inconvenience.”

In the light of this, the FCA put forward the notion of introducing a requirement that banks must publish the total number of major incidents suffered by their online, telephone and mobile banking services over a year.

“For ease of access by customers, we consider that this information is best published by firms along with other service information we prescribe, rather than the FCA publishing the data separately elsewhere,” the document adds.

After publishing the consultation document, the FCA confirmed in December 2017 that it would move ahead with the changes, with the new rules to come into effect on 15 August 2018.

Pressure is growing on the financial services industry to improve its response to security incidents and unplanned downtime, following a series of high-profile incidents involving credit card company Visa and the multi-day outage suffered by high-street bank TSB in May 2018.

The FCA published the joint discussion paper with the Bank of England in July, giving banks and financial services companies until 5 October 2018 to provide details about their outage response procedures, and how at risk they are of encountering an incident. The paper also asked providers to state a maximum, acceptable amount of time for their systems to be down for.


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