Yes, what we are doing is legal. We leverage a consumer-consented approach in our products.
The Consumer Protection Principals, issued by the Consumer Financial Protection Bureau (CFPB), allows end users to provide access to third parties to efficiently access their data. For example, if John Doe, an end user, wants to allow Truv to access his pay stubs on his behalf, that is legal.
Additionally, Section 1033 of the Dodd Frank Act grants consumers the right to access their personal information in a usable electronic format.