To your point, Mr. Dubé.... One, what is expressed and informed consent? What is a person agreeing to when they start dating a third party or an application, when they start having some kind of relationship? What is the consumer consenting to? Does the consumer understand what he or she is consenting to? What are the implications once you want to revoke that consent? How do you do that? Can you do that? Do people read the 75 pages, where it says, “Do you agree...” when they buy a product online? Does anybody ever read those 75 or 150 pages, other than going right to the bottom and agreeing? I think the bigger-picture question is, what are people consenting to?
Once you've consented with apps one, two and three, do they have any relationships with fintechs a, b, c or d afterward? Does anybody really know what they're consenting to?
I think if somebody really knew what they were consenting to, it would make a lot more sense. It would be truly informed, knowledgeable consent. In this case, regarding these APIs and these fintechs, what are you actually consenting to? That's one of the answers to your questions, I hope.