Nws yuav tsum yooj yim dua rau cov neeg tau txais kev dag ntxias los ntawm cov kev pabcuam them nyiaj tam sim no zoo li Zelle nrhiav kev daws teeb meem, txij li kev dag ntxias nyiaj. tau tshaj tawm tias loj hlob ntau dua, ib pawg ntawm Democratic tsim cai lij choj hais.
Rau Senate Democrats - Bob Menendez ntawm New Jersey, Elizabeth Warren ntawm Massachusetts, Sherrod Brown ntawm Ohio, Jack Reed ntawm Rhode Island, Raphael Warnock ntawm Georgia thiab Catherine Cortez Masto ntawm Nevada - sau mus rau Consumer Financial Protection Bureau lub lim tiam no los hais kom lub koomhaum ua haujlwm ntxiv los tiv thaiv cov neeg siv ntawm tib lub xov tooj them nyiaj digital feem ntau tau hais rau lawv qhov yooj yim thiab ceev.
"Raws li tus lej ntawm cov neeg siv khoom siv cov kev pabcuam them nyiaj tam sim xws li Zelle thiab ntau pua lab tus neeg xa mus los ntawm cov platforms no txhua xyoo, qhov tsis txaus ntawm kev tiv thaiv cov neeg siv khoom tam sim no tsis tuaj yeem lees txais," lawv tau sau rau Lub Xya Hli 20 tsab ntawv rau CFPB Tus Thawj Coj Rohit Chopra.
Raws li nws sawv tam sim no, cov senators tau sau tseg, tsoomfwv txoj cai lij choj hais txog kev hloov pauv hluav taws xob tsuas yog tiv thaiv cov neeg raug dag ntxias yog tias tus neeg siv khoom raug dag kom muab lawv cov ntaub ntawv rau ib tus neeg uas tau pib xa nyiaj rau lawv tus kheej. Qhov ntawd txhais tau hais tias cov neeg dag ntxias los ntawm ib tus neeg dag lawv xa nyiaj ncaj qha rau tus neeg ua txhaum online tsis raug them.
Raws li qhov tshwm sim, cov tsev txhab nyiaj thiab cov nyiaj them poob haujlwm tau "nrhiav kom tsis txhob muab nyiaj rov qab thaum lawv cov neeg siv khoom" raug nyiag lawm, cov senators tau hais.
"'Yuav kom ua tiav, tam sim no cov neeg siv khoom yuav tsum thov lawv tus neeg dag ntxias kom rov qab lawv cov nyiaj, lossis lawv yuav tsum nrhiav kev yeem rov qab los ntawm lawv lub txhab nyiaj. Tsis muaj lwm txoj hauv kev tuav ntau qhov tseeb.'"
Txhawm rau kho qhov teeb meem, CFPB tuaj yeem hais meej meej hauv qee qhov xwm txheej uas cov nyiaj them los ntawm cov kev dag ntxias no yog "kev ua yuam kev" uas cov tuam txhab nyiaj txiag, tsis yog cov neeg siv dag ntxias, yog lub luag haujlwm kho, cov senators tau hais. Tsis tas li ntawd, CFPB tuaj yeem hais tias cov nyiaj siv dag zog raug muab faib ua "kev hloov pauv nyiaj hluav taws xob tsis raug cai" raws li Txoj Cai Hloov Nyiaj Txiag Hluav Taws Xob.
Ob qho kev xaiv no yog nyob rau hauv lub koom haum txoj cai uas twb muaj lawm, cov senators tau hais.
"Cov kev coj ua no yuav muab cov txiaj ntsig zoo sib xws thiab ncaj ncees dua li cov cai tam sim no, uas tsis muaj kev tiv thaiv tawm tsam cov kev dag ntxias thiab kev dag ntxias uas tau nthuav dav ntawm cov kev pab them nqi tam sim xws li Zelle," senators sau. "Yuav kom ua tiav, tam sim no cov neeg siv khoom yuav tsum thov lawv tus neeg dag ntxias kom rov qab lawv cov nyiaj, lossis lawv yuav tsum nrhiav kev yeem rov qab los ntawm lawv lub txhab nyiaj. Tsis muaj lwm txoj hauv kev tuav ntau qhov tseeb. "
Tab sis Consumer Financial Protection Bureau tej zaum yuav tau ua nws txoj hauv kev los hloov kho. Wall Street Journal tau tshaj tawm Lub lim tiam no uas lub koom haum npaj yuav tshaj tawm cov lus qhia tshiab sai sai, muaj peev xwm hais tias kev ua lag luam dag - txawm tias pom zoo los ntawm cov neeg siv khoom - tsis raug tso cai, ib qho kev txav uas tuaj yeem ua rau cov neeg siv khoom them rov qab ntau dua ntawm txoj kev.
CFPB tus cev lus hais rau MarketWatch tias lub chaw haujlwm tau txais tsab ntawv senators thiab txaus siab rau lawv "kev koom tes ntawm qhov teeb meem no."
Lub caij no, tus neeg teb xov tooj ntawm Zelle, Early Warning Services LLC - lub tuam txhab fintech uas muaj los ntawm xya ntawm lub teb chaws cov tsev txhab nyiaj loj tshaj plaws - hais rau MarketWatch lub platform tau "pab lab tus neeg siv khoom hauv lawv lub neej txhua hnub," thiab hais tias "kev tiv thaiv cov neeg siv khoom yog ib qho ntawm peb. qhov tseem ceeb tshaj plaws. "
"Raws li lub network, peb niaj hnub hloov kho cov kev tiv thaiv cov neeg siv khoom los hais txog qhov muaj zog thiab hloov zuj zus ntawm kev dag ntxias cov neeg dag ntxias ua haujlwm," lub tuam txhab tau hais.
Tau qhov twg los: https://www.marketwatch.com/story/consumers-using-instant-payment-services-like-zelle-need-stronger-scam-protections-democrats-tell-cfpb-11658512890?siteid=yhoof2&yptr=yahoo