{"id":6550,"date":"2024-11-25T05:26:55","date_gmt":"2024-11-24T20:26:55","guid":{"rendered":"https:\/\/www.sanctionlab.com\/?p=6550"},"modified":"2024-11-22T14:11:08","modified_gmt":"2024-11-22T05:11:08","slug":"%e7%be%8e-%ec%95%a0%ed%94%8c%ed%8e%98%ec%9d%b4-%ed%8e%98%ec%9d%b4%ed%8c%94%eb%8f%84-%ec%9d%80%ed%96%89%ea%b3%bc-%ec%9c%a0%ec%82%ac%ed%95%9c-%ec%88%98%ec%a4%80%ec%9d%98-%ea%b0%90%eb%8f%85-%eb%b0%9b","status":"publish","type":"post","link":"https:\/\/www.sanctionlab.com\/?p=6550","title":{"rendered":"\u7f8e, \uc560\ud50c\ud398\uc774 \ud398\uc774\ud314\ub3c4 \uc740\ud589\uacfc \uc720\uc0ac\ud55c \uc218\uc900\uc758 \uac10\ub3c5 \ubc1b\ub3c4\ub85d \uba85\ubb38\ud654"},"content":{"rendered":"<figure id=\"attachment_6551\" aria-describedby=\"caption-attachment-6551\" style=\"width: 300px\" class=\"wp-caption alignnone\"><img loading=\"lazy\" decoding=\"async\" class=\"size-medium wp-image-6551\" src=\"https:\/\/www.sanctionlab.com\/wp-content\/uploads\/2024\/11\/640px-CFPB_seal-300x300.png\" alt=\"\" width=\"300\" height=\"300\" srcset=\"https:\/\/www.sanctionlab.com\/wp-content\/uploads\/2024\/11\/640px-CFPB_seal-300x300.png 300w, https:\/\/www.sanctionlab.com\/wp-content\/uploads\/2024\/11\/640px-CFPB_seal-150x150.png 150w, https:\/\/www.sanctionlab.com\/wp-content\/uploads\/2024\/11\/640px-CFPB_seal-200x200.png 200w, https:\/\/www.sanctionlab.com\/wp-content\/uploads\/2024\/11\/640px-CFPB_seal.png 640w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><figcaption id=\"caption-attachment-6551\" class=\"wp-caption-text\">\ubbf8\uad6d \uc18c\ube44\uc790\uae08\uc735\ubcf4\ud638\uad6d(CFPB) \/ \uc704\ud0a4\ubbf8\ub514\uc5b4<\/figcaption><\/figure>\n<p><strong><br \/>\n&lt;\uac1c\uc694&gt;<br \/>\n<\/strong>\ubbf8\uad6d \uc18c\ube44\uc790\uae08\uc735\ubcf4\ud638\uad6d(Consumer Financial Protection Bureau, CFPB)\uc740 \ub514\uc9c0\ud138 \uacb0\uc81c \uc2dc\uc2a4\ud15c\uc758 \uc18c\ube44\uc790 \ubcf4\ud638\ub97c \uac15\ud654\ud558\uace0 \uacf5\uc815 \uacbd\uc7c1\uc744 \ucd09\uc9c4\ud558\uae30 \uc704\ud574 \uc0c8\ub85c\uc6b4 <a href=\"https:\/\/www.consumerfinance.gov\/about-us\/newsroom\/cfpb-finalizes-rule-on-federal-oversight-of-popular-digital-payment-apps-to-protect-personal-data-reduce-fraud-and-stop-illegal-debanking\/\">\uaddc\uc815<\/a>\uc744 \uc81c\uc548\ud588\uc74c. \uc774 \uaddc\uc815\uc740 Amazon, Apple, Google, PayPal, Block \ub4f1 \ub300\uaddc\ubaa8 \ub514\uc9c0\ud138 \uacb0\uc81c \uae30\uc5c5\uc744 \ub300\uc0c1\uc73c\ub85c \ud558\uba70, \uc5f0\uac04 5000\ub9cc \uac74 \uc774\uc0c1\uc758 \uac70\ub798\ub97c \ucc98\ub9ac\ud558\ub294 \ube44\uc740\ud589 \uacb0\uc81c \uae30\uc5c5\ub4e4\uc744 \ub300\uc0c1\uc73c\ub85c \ud568. \uc9c0\uae08\uae4c\uc9c0 \ub514\uc9c0\ud138 \uc9c0\ubd88 \ud50c\ub7ab\ud3fc\uacfc \uc9c0\uac11\uc758 \uc778\uae30\ub294 \ud3ed\ubc1c\uc801\uc73c\ub85c \uc99d\uac00\ud588\uc9c0\ub9cc, \uc740\ud589\uacfc \uc2e0\uc6a9\uc870\ud569\uc5d0 \ud544\uc694\ud55c \ub3d9\uc77c\ud55c \uac10\uc2dc\uc640 \uc815\uae30\uac80\uc0ac\ub97c \ubc1b\uc9c0 \uc54a\uc558\uc74c. \uadf8\ub7ec\ub098 \uc774\ubc88 \uc870\uce58\ub85c \uc740\ud589\uacfc \uac70\uc758 \uac19\uc740 \uc218\uc900\uc758 \uac10\ub3c5\uc744 \ubc1b\uac8c \ub410\uc74c.<\/p>\n<p><strong>&lt;\uc138\ubd80\ub0b4\uc6a9&gt;<br \/>\n<\/strong>\uc0c8\ub85c\uc6b4 CFPB <a href=\"https:\/\/files.consumerfinance.gov\/f\/documents\/cfpb_final-rule_general-use-digital-consumer-payment-applications_2024-11.pdf\">\uaddc\uc815<\/a>\uc740 \ub514\uc9c0\ud138 \uacb0\uc81c \uae30\uc5c5\ub4e4\uc744 \uc815\uae30\uc801\uc73c\ub85c \uac10\ub3c5\ud560 \uc218 \uc788\ub294 \uc0ac\uc804 \uac80\uc0ac \uad8c\ud55c\uc744 \uba85\ubb38\ud654\ud588\uc74c. \uc774\ub97c \ud1b5\ud574 \uae30\uc5c5\ub4e4\uc774 \ubc95\uc801 \uc900\uc218 \uc5ec\ubd80\ub97c \uc0ac\uc804\uc5d0 \uc810\uac80\ubc1b\uace0, \ubb38\uc81c\ub97c \uc870\uae30\uc5d0 \ubc1c\uacac\ud558\uace0 \ud574\uacb0\ud560 \uc218 \uc788\ub3c4\ub85d \uccb4\uacc4\uc801\uc778 \uac10\ub3c5 \uad6c\uc870\ub97c \ub3c4\uc785\ud588\uc74c. \ub610\ud55c, \uc18c\ube44\uc790 \ubd88\ub9cc \uc0ac\ud56d\uc744 \ubd84\uc11d\ud574 \ub370\uc774\ud130 \uc720\ucd9c, \uc11c\ube44\uc2a4 \uc911\ub2e8\uacfc \uac19\uc740 \ud53c\ud574\ub97c \uc608\ubc29\ud558\uace0, \uac1c\uc778\uc815\ubcf4 \ubcf4\ud638\uc640 \ub370\uc774\ud130 \uad00\ub9ac \uae30\uc900\uc744 \uac15\ud654\ud574 \uc548\uc804\ud55c \uacb0\uc81c \ud658\uacbd\uc744 \ub9cc\ub4dc\ub294 \uac83\uc774 \ubaa9\ud45c\uc784.<\/p>\n<p>\uae30\uc874 \uac10\ub3c5 \uccb4\uacc4\ub294 \uc8fc(State)\uc640 \uc5f0\ubc29 \uae30\uad00\uc774 \ub2e8\ud3b8\uc801\uc774\uace0 \ub2e8\uc808\uc801\uc73c\ub85c \uc5ed\ud560\uc774 \ub098\ub204\uc5b4\uc838 \uc788\uc5c8\uc74c. \uc8fc\ubcc4 \uc1a1\uae08\uc5c5 \ub77c\uc774\uc120\uc2a4 \uaddc\uc81c, \ubbf8\uad6d \uc7ac\ubb34\ubd80 \uc0b0\ud558 \uae08\uc735\ubc94\uc8c4\ub2e8\uc18d\ub124\ud2b8\uc6cc\ud06c(Financial Crimes Enforcement Network, FinCEN)\uc758 \uc790\uae08\uc138\ud0c1 \ubc29\uc9c0 \uac10\ub3c5, \ubbf8\uad6d \uc5f0\ubc29\uac70\ub798\uc704\uc6d0\ud68c(Federal Trade Commission, FTC)\uc758 \uc18c\ube44\uc790 \ubcf4\ud638 \uc870\uce58 \ub4f1\uc73c\ub85c \ub098\ub204\uc5b4\uc838 \uc788\uc5c8\uc74c. \ub54c\ubb38\uc5d0 \ub514\uc9c0\ud138 \uacb0\uc81c \uae30\uc5c5 \uc804\ubc18\uc5d0 \ub300\ud55c \uccb4\uacc4\uc801\uc774\uace0 \uc77c\uad00\ub41c \uac10\ub3c5 \uccb4\uacc4\uac00 \ubd80\uc871\ud588\uc74c.<\/p>\n<p>CFPB\uc758 \uc774\ubc88 \uaddc\uc81c\ub294 \uc720\ub7fd\uc5f0\ud569(EU)\uc758 PSD2(Payment Services Directive 2)\uc640 \uc720\uc0ac\ud55c \uc810\uc774 \ub9ce\uc74c. PSD2\ub294 \uae08\uc735 \ub370\uc774\ud130\ub97c \uac1c\ubc29(Open Banking)\ud558\ub294 \ub300\uc2e0 \uac15\ub825\ud55c \uc778\uc99d \ud504\ub85c\uc138\uc2a4\ub97c \ub3c4\uc785\ud588\uc74c. CFPB \uc5ed\uc2dc \ub370\uc774\ud130 \ubcf4\ud638\ud558\uba74\uc11c\ub3c4 \ub514\uc9c0\ud138 \uacb0\uc81c \uae30\uc5c5 \uac04 \uacbd\uc7c1\uc744 \ucd09\uc9c4\ud558\uae30 \uc704\ud55c \uac10\ub3c5 \uad6c\uc870\ub97c \uad6c\ucd95\ud558\ub824 \ud558\uace0 \uc788\uc74c.<\/p>\n<p>\uc5c5\uacc4\ub294 \uc774\ubc88 \uaddc\uc815\uc5d0 \ub300\ud574 \uc6b0\ub824\ub97c \ud45c\uba85\ud588\uc74c. \uae08\uc735\uae30\uc220\ud611\ud68c(Financial Technology Association, FTA)\ub294 \uaddc\uc815\uc774 \uc911\ubcf5 \uaddc\uc81c\ub85c \uc791\uc6a9\ud560 \uac00\ub2a5\uc131\uc774 \uc788\uc73c\uba70 \ubb38\uc81c \ud574\uacb0\uc758 \uad6c\uccb4\uc131\uc774 \ubd80\uc871\ud558\ub2e4\uace0 <a href=\"https:\/\/www.ftassociation.org\/fta-urges-cfpb-to-withdraw-flawed-larger-participant-rule\/\">\ube44\ud310<\/a>\ud588\uc74c.<\/p>\n<p><strong>&lt;\uc2dc\uc0ac\uc810&gt;<br \/>\n<\/strong>CFPB\uc758 \uc774\ubc88 \uaddc\uc815\uc740 \uae30\uc874\uc758 \uac10\ub3c5 \uacf5\ubc31\uc744 \ud574\uc18c\ud558\uace0 \ub514\uc9c0\ud138 \uacb0\uc81c \uc2dc\uc7a5\uc5d0\uc11c \uc18c\ube44\uc790 \ubcf4\ud638\ub97c \uac15\ud654\ud558\uae30 \uc704\ud55c \uc911\uc694\ud55c \uc804\ud658\uc810\uc774 \ub420 \uac83\uc73c\ub85c \ubcf4\uc784. \ubd84\uc808\uc801\uc774\ub358 \uae30\uc874 \uac10\ub3c5 \uccb4\uacc4\ub97c \ud1b5\ud569\ud558\uc5ec \ub514\uc9c0\ud138 \uacb0\uc81c \uc2dc\uc7a5 \uc804\ubc18\uc744 \uad00\ub9ac\ud560 \uc218 \uc788\ub3c4\ub85d \ud588\uc74c. \ub2e4\ub9cc, \uacfc\ub3c4\ud55c \uaddc\uc81c\uac00 \uae30\uc220 \ud601\uc2e0\uc744 \uc800\ud574\ud560 \uc218 \uc788\ub2e4\ub294 \uc6b0\ub824\ub3c4 \uc874\uc7ac\ud558\uace0 \uc788\uc74c.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>&lt;\uac1c\uc694&gt; \ubbf8\uad6d \uc18c\ube44\uc790\uae08\uc735\ubcf4\ud638\uad6d(Consumer Financial Protection Bureau, CFPB)\uc740 \ub514\uc9c0\ud138 \uacb0\uc81c \uc2dc\uc2a4\ud15c\uc758 \uc18c\ube44\uc790 \ubcf4\ud638\ub97c \uac15\ud654\ud558\uace0 \uacf5\uc815 \uacbd\uc7c1\uc744 \ucd09\uc9c4\ud558\uae30 \uc704\ud574 \uc0c8\ub85c\uc6b4 \uaddc\uc815\uc744 \uc81c\uc548\ud588\uc74c. \uc774 \uaddc\uc815\uc740 Amazon, Apple, Google, PayPal, Block \ub4f1 \ub300\uaddc\ubaa8 \ub514\uc9c0\ud138 \uacb0\uc81c \uae30\uc5c5\uc744 \ub300\uc0c1\uc73c\ub85c \ud558\uba70, \uc5f0\uac04 5000\ub9cc \uac74 \uc774\uc0c1\uc758 \uac70\ub798\ub97c \ucc98\ub9ac\ud558\ub294 \ube44\uc740\ud589 \uacb0\uc81c \uae30\uc5c5\ub4e4\uc744 \ub300\uc0c1\uc73c\ub85c \ud568. \uc9c0\uae08\uae4c\uc9c0 \ub514\uc9c0\ud138 \uc9c0\ubd88 \ud50c\ub7ab\ud3fc\uacfc \uc9c0\uac11\uc758 \uc778\uae30\ub294 \ud3ed\ubc1c\uc801\uc73c\ub85c \uc99d\uac00\ud588\uc9c0\ub9cc, \uc740\ud589\uacfc \uc2e0\uc6a9\uc870\ud569\uc5d0 [&hellip;]<\/p>\n","protected":false},"author":17,"featured_media":6551,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[607,612,8],"tags":[152,830,35],"class_list":{"0":"post-6550","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-ai-coin","8":"category-usa","9":"category-compliance","10":"tag-152","11":"tag-830","12":"tag-35"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u7f8e, \uc560\ud50c\ud398\uc774 \ud398\uc774\ud314\ub3c4 \uc740\ud589\uacfc \uc720\uc0ac\ud55c \uc218\uc900\uc758 \uac10\ub3c5 \ubc1b\ub3c4\ub85d \uba85\ubb38\ud654 SanctionLab<\/title>\n<meta name=\"description\" content=\"\ubbf8\uad6d \uc18c\ube44\uc790\uae08\uc735\ubcf4\ud638\uad6d(Consumer Financial Protection Bureau, CFPB)\uc740 \ub514\uc9c0\ud138 \uacb0\uc81c 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