政府同意建立消费者数据权

文稿:平民

翻译:Darren

编辑:Tiffany

新西兰商业和消费者事务部长大卫·克拉克今天(7月6日)宣布,政府已同意为新西兰建立一个消费者数据权框架。 大卫·克拉克(David Clark) 说:”消费者在涉及第三方如何使用其个人信息时,消费者应处主导地位。 消费者数据权 (CDR) 是一种机制,要求数据持有人(如银行和电力零售商)在获得客户同意后,安全、稳妥地与第三方(如金融科技公司)共享数据。这意味着新西兰人可以获得更广泛的产品和服务,更好地满足他们的需求。通过消费者数据权共享的任何数据仅在征得个人知情同意的情况下进行,并且出于商定的原因将严格使用。例如,如果一个人正在寻求财务建议,他们可以要求银行与他们选定的顾问共享数据,如交易信息”。 大卫·克拉克表示:希望接收这些数据的企业和服务还必须满足一些保障措施,以确保信息能够安全可靠地处理。他还表示,消费者数据权将与今年早些时候宣布的数字身份信任框架携手合作。正是这项工作为数字身份服务的提供制定了规则。  在最近就消费者数据权的备选方案进行磋商之后,政府目前正在建立一个监管制度。 大卫·克拉克说:”消费者数据权将逐部门推出,以确保详细要求在实践中发挥作用。我们将寻求使我们的系统与2019年推出的澳大利亚模式一致”。 官员们正在开展工作,以确定哪些部门应首先考虑指定。政府计划于2021年稍后就消费者数据权架构作出第二轮详细的政策决定,并将于2022年提出法例。在商业、创新和就业部的网站上提供了更多信息。

Govt agrees to establish a consumer data right

 The Government has agreed to establish a consumer data right framework for New Zealand, Commerce and Consumer Affairs Minister David Clark announced today. “Consumers should be in the driver’s seat when it comes to how their personal information is used by third parties,” David Clark said.  A consumer data right (CDR) is a mechanism that requires data holders, such as banks and electricity retailers, to safely and securely share data with third parties (like fintech companies) following consent from the customer. This means New Zealanders gain access to a wider range of products and services that better meet their needs. “Any data shared through the consumer data right will only take place with a person’s informed consent, and would be strictly used for the reasons agreed upon. For example, if a person was seeking financial advice, they could ask their bank to share data, such as transaction information, with their chosen adviser,” David Clark said. “The businesses and services wishing to receive this data would also have to meet a number of safeguards to ensure the information could be handled safely and securely. “It’s also my intention that the consumer data right will work hand-in-hand with the Digital Identity Trust Framework announced earlier this year. It’s that piece of work which sets out the rules for the delivery of digital identity services,” David Clark said. Following a recent consultation on options for a consumer data right, the Government is now in the process of building a regulatory regime. “The consumer data right will be rolled out on a sector-by-sector basis to ensure that the detailed requirements work in practice. We will look to align our system with the Australian model introduced in 2019,” David Clark said.Officials are carrying out work to identify which sectors should be considered for designation first.The Government aims to make a second round of detailed policy decisions on the consumer data right framework later in 2021, and will look to introduce legislation in 2022.More information is available on the Ministry of Businesses, Innovation and Employment’s website.  

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