Plaid has published a white paper titled `Establishing a consumer-first framework for financial services and technology`, which aims to develop a common understanding of the issues around data access, consumer protections, and bank-developer interactions in the fintech industry. The paper recognizes that traditional financial institutions, fintech startups, and companies like Plaid need to work together to address these challenges. The white paper proposes three recommendations: protecting innovation and consumer choice, providing consumers control over their data access, and building a secure infrastructure. These recommendations are essential for enabling continued growth and consumer choice in the industry, while also addressing concerns around data security and privacy. The paper highlights the importance of putting consumers first and embracing transparency to drive meaningful positive change in the financial services ecosystem.