{"id":51956,"date":"2022-05-10T10:00:05","date_gmt":"2022-05-10T17:00:05","guid":{"rendered":"https:\/\/newrcblog.wpengine.com\/us\/en\/blog\/?p=51956"},"modified":"2024-07-26T01:23:29","modified_gmt":"2024-07-26T08:23:29","slug":"delay-in-cfpbs-data-sharing-rule-keeps-financial-institutions-guessing","status":"publish","type":"post","link":"\/us\/en\/blog\/delay-in-cfpbs-data-sharing-rule-keeps-financial-institutions-guessing\/","title":{"rendered":"Delay in CFPB&#8217;s data sharing rule keeps financial institutions guessing"},"content":{"rendered":"<p><b>Highlights<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A delay in the CFPB data-sharing rule is likely to cause disruption to bank and fintech partnerships.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">More restrictive policies on data sharing with consumers and fintech are likely.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Safe, unified communications solutions will be more important than ever.<\/span><\/li>\n<\/ul>\n<hr \/>\n<p><span style=\"font-weight: 400;\">\ud83d\udc40 \ud83d\udc40\u00a0 Did you know that digital transformation in financial services is well underway? Grab our infographic to get the whole story.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\t<\/p>\n<div class=\"download-form-widget enterprise-download-form\" data-url=\"https:\/\/netstorage.ringcentral.com\/documents\/support_pillars_financial_services_transformation.pdf\" data-id=\"69f30b27e8734\" id=\"69f30b27e8734\">\n\t\t<button tabindex=\"on\"  on=\"tap:69f30b27e8734.toggleClass(class='open')\" class=\"open-modal-download-action download-form-button\" type=\"submit\">Check out the infographic<\/button><\/p>\n<div class=\"download-form-modal\">\n<div class=\"download-form-modal-body\">\n<div class=\"download-form-modal-content\">\n<div class=\"download-form-modal-title\">What are the three support pillars for financial services transformation? Find out with our free infographic.<\/div>\n<form class=\"download-form ENTERPRISE\" method=\"post\">\n<div class=\"download-form-part\">\n\t\t\t\t\t\t\t<input class=\"download-form-input\" aria-label=\"Full Name\" aria-required=\"true\" aria-invalid=\"false\" type=\"text\" name=\"fullname\" placeholder=\"Full Name\" data-dl-events-hover=\"true\" data-dl-element=\"text\" data-dl-additional-info=\"enterprise download form\">\n\t\t\t\t\t\t<\/div>\n<div class=\"download-form-part\">\n\t\t\t\t\t\t\t<input class=\"download-form-input\" aria-label=\"Email (please enter a work email address)\" aria-required=\"true\" aria-invalid=\"false\" type=\"email\" autocomplete=\"on\" name=\"email\" placeholder=\"Email (please enter a work email address)\" data-dl-events-hover=\"true\" data-dl-element=\"email\" data-dl-additional-info=\"enterprise download form\">\n\t\t\t\t\t\t<\/div>\n<div>\n\t\t\t\t\t\t\t<input type=\"hidden\" name=\"popup_form\" value=\"1\">\n\t\t\t\t\t\t<\/div>\n<div><input type=\"hidden\" name=\"Asset_ID__c\" value=\"ODAM-02524\" class=\"download-form-input\"><\/div>\n<div>\n\t\t\t\t\t\t\t<input type=\"hidden\" name=\"Lead_Entry_Source__c\" value=\"RC Blog Enterprise\" class=\"download-form-input\"\/>\n\t\t\t\t\t\t<\/div>\n<div class=\"download-form-part\">\n\t\t\t\t\t\t\t<button class=\"download-form-submit\" type=\"submit\" data-dl-element=\"button\" data-no-auto-dl=\"true\" data-dl-additional-info=\"enterprise download form\" data-dl-name=\"Get it now\">Get it now<\/button>\n\t\t\t\t\t\t<\/div>\n<\/p><\/form>\n<p> \t\t\t\t\t<button on=\"tap:69f30b27e8734.toggleClass(class='open')\" role=\"button\" tabindex=\"0\"  class=\"download-form-modal-close\"><\/button>\n\t\t\t\t<\/div>\n<div class=\"download-form-modal-thank\"> Enjoy!<\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>\t<\/span><\/p>\n<hr \/>\n<p><span style=\"font-weight: 400;\">In line with the Dodd-Frank Act, the Consumer Financial Protection Bureau (CFPB) plans to enact a data-sharing rule that defines parameters for consumer data access in a usable electronic format. However, it appears likely that the CFPB may not implement a rule until late 2022 or some time in 2023.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Delaying the rule impacts both financial institutions and consumers. It creates a lot of uncertainty among consumers and makes it difficult for financial institutions trying to plan ahead to meet compliance standards.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The following is an overview of some of the key implications a delay of the CFPB data-sharing rule would have on financial institutions.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\t<\/p>\n<div class=\"rc-subscribe\" id=\"new-rc-subscribe\"  style=\"background-image:url('\/us\/en\/blog\/wp-content\/themes\/ringcentral\/assets\/images\/temp\/subscribe.png')\">\n\t\t<button class=\"close js-popup-close\"><svg class=\"icon_close_mobile\" width=\"20\" height=\"20\"><use xlink:href=\"#icon_close_mobile\"><\/use><\/svg><\/button><\/p>\n<div class=\"rc-subscribe__wrapper\">\n<div class=\"rc-subscribe__wrapper_text\">\n<h3 class=\"rc-subscribe__title h2\">Stay informed with RingCentral<\/h3>\n<div class=\"rc-subscribe__subtitle\">Subscribe to our emails for the latest blogs, events, and exclusive content on AI-powered communication solutions. Stay ahead with insights and tips from the leader in trusted AI communications.<\/p>\n<p>\t\t\t\t\t<a href=\"https:\/\/www.ringcentral.com\/legal\/privacy-notice.html\" target=\"_blank\" data-dl-name=\"Privacy Notic\" data-dl-element=\"link\" data-dl-additional-info=\"social\" rel=\"noreferrer noopener\">Privacy Notice<\/a>\n\t\t\t\t<\/div>\n<\/p><\/div>\n<div class=\"rc-subscribe__wrapper_form\">\n<form class=\"\" data-event-init=\"true\" novalidate data-js-form>\n<div class=\"rc-subscribe__row\">\n\t\t\t\t\t\t<input\n\t\t\t\t\t\t\t\tname=\"email\"\n\t\t\t\t\t\t\t\tplaceholder=\"Email address *\"\n\t\t\t\t\t\t\t\ttitle=\"Must be valid email. example@yourdomain.com\"\n\t\t\t\t\t\t\t\tminlength=\"4\"\n\t\t\t\t\t\t\t\tmaxlength=\"255\"\n\t\t\t\t\t\t\t\ttype=\"email\"\n\t\t\t\t\t\t\t\trequired\n\t\t\t\t\t\t\t\tpattern=\"[a-z0-9._%+\\-]+@[a-z0-9.\\-]+\\.[a-z]{2,}$\"\n\t\t\t\t\t\t\t\tclass=\"field__control\"\n\t\t\t\t\t\t\t\tautocomplete=\"on\"\n\t\t\t\t\t\t\t\taria-required=\"true\"\n\t\t\t\t\t\t\t\tdata-dl-events-hover=\"true\"\n\t\t\t\t\t\t\t\tdata-dl-element=\"email\"\n\t\t\t\t\t\t\t\tdata-dl-additional-info=\"LET'S WORK TOGETHER\"\n\t\t\t\t\t\t\t\taria-label=\"Email address *\"\n\t\t\t\t\t\t\t\taria-errormessage=\"email-subscribe-errors\"\n\t\t\t\t\t\t><br \/>\n\t\t\t\t\t\t<span class=\"field__errors\" id=\"email-subscribe-errors\" data-js-form-field-errors><\/span>\n\t\t\t\t\t<\/div>\n<div class=\"rc-subscribe__row\">\n\t\t\t\t\t\t<select\n\t\t\t\t\t\t\t\tname=\"Country__c\"\n\t\t\t\t\t\t\t\trequired\n\t\t\t\t\t\t\t\tclass=\"field__control\"\n\t\t\t\t\t\t\t\taria-required=\"true\"\n\t\t\t\t\t\t\t\taria-expanded=\"false\"\n\t\t\t\t\t\t\t\taria-label=\"Country *\"\n\t\t\t\t\t\t\t\taria-errormessage=\"country-subscribe-errors\"\n\t\t\t\t\t\t><option value=\"\" disabled=\"disabled\" selected=\"selected\">Country<\/option><option value=\"Canada\">Canada<\/option><option value=\"United_States\">United States<\/option><\/select><\/p>\n<p>\t\t\t\t\t\t<span class=\"field__errors\" id=\"country-subscribe-errors\" data-js-form-field-errors><\/span>\n\t\t\t\t\t<\/div>\n<div class=\"rc-subscribe__row\">\n\t\t\t\t\t\t<button type=\"submit\" data-event-init=\"true\">Subscribe<\/button>\n\t\t\t\t\t<\/div>\n<\/p><\/form>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"confirm-form\" role=\"status\" aria-live=\"polite\" style=\"display: none;\" aria-hidden=\"true\">\n<div class=\"confirm-form__text\">Thank you for your interest in RingCentral<\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>\t<\/span><\/p>\n<h2><b><a id=\"Data\"><\/a>Data-sharing rule basics<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">The Dodd-Frank Act says consumers have the right to control their bank and transaction data, and it ensures access to a usable electronic record of all data. However, the specific parameters of how banks must comply are not yet in place, which creates a lot of uncertainty for banks and consumers.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The new CFPB rule is supposed to make it clear to consumers what their rights are and how they can access and manage their data. It will also give guidance to banks on how to enable consumer access. For banks, clear parameters are necessary for installing the right technology systems and putting the right protocols in place.<\/span><\/p>\n<h2><b><a id=\"Implications\"><\/a>Implications of a data-sharing rule delay<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Delays in the data-sharing ruling impact the current approach financial institutions take with data sharing. These are some of the important ways banks are impacted by a delay:<\/span><\/p>\n<h3><b><a id=\"More\"><\/a>More restrictive data-sharing policies<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">In lieu of defined rules, banks typically take a more restrictive approach to data access. In addition to data-sharing considerations, banks are dealing with heightened regulations to protect privacy and security. Traditional financial institutions are particularly concerned with third-party fintech applications and others with whom consumers want to share information.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A lot of third-party apps request access to consumer banking data to provide holistic access to all available tools through their solutions. However, banks have concerns about the risks presented by third-party access to the security and privacy of customer data. Concerns stem from consumers possibly granting access to unscrupulous entities, or from others simply gaining access to the data without the consumer knowing.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Given these concerns, banks are likely to maintain more restrictive policies for data access until the CFPB rule establishes guidance.<\/span><\/p>\n<h3><b><a id=\"Reliance\"><\/a>Reliance on data-clearing initiatives<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Many banks currently rely on private data-sharing clearing houses to validate the legitimacy of third parties. These programs offer risk evaluations of data aggregators and fintechs attempting to access consumer data. This layer of assessment helps banks determine whether such entities are safe, or pose a threat with data access.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">There are limits to the assessments provided by such data clearing houses, and much of their evaluation is based on API connections between fintech and banking systems. Banks are concerned that the CFPB rule will reduce or eliminate the ability to conduct such risk assessments if consumers grant data access.<\/span><\/p>\n<h3><b><a id=\"Bank-fintech\"><\/a>Bank-fintech partnership disruptions<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Although some banks view the evolution of fintech apps as a competitive risk, others recognize the benefits to consumers and embrace fintech partnerships. A delay in the CFPB rule impacts the ability of banks to partner with fintechs given the risks of uncertainty.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Banks are leery about implementing partnerships only to have the new rule undercut some aspects of the solution. Having to shut down or revamp a collaborative solution is expensive and could damage trust between the banks and their consumers.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Given the risks, some banks are holding off on partnerships. Others are limiting the scope of the partnered solutions with fintech until the rule is in place.\u00a0<\/span><\/p>\n<h3><b><a id=\"Consumer\"><\/a>Consumer annoyance<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Consumers have generally embraced fintech and don\u2019t like the idea of having data access limited in any way. Limits to third-party sharing can create frustration as well. The following chart shows the results of a recent survey by the American Economic Liberties Project. It is clear that consumers have issues with blocked data sharing, as 79 percent of those responding said they are either \u201cvery\u201d concerned or \u201csomewhat\u201d concerned. Only 3 percent indicated no concern.<\/span><\/p>\n<p><img decoding=\"async\" class=\"aligncenter size-full wp-image-51960\" src=\"\/us\/en\/blog\/wp-content\/uploads\/2022\/05\/consumer-reaction-to-banks-blocking-data-sharing.png\" alt=\"Chart showing Consumer reaction to banks blocking data sharing, with 46% saying it\u2019s Very concerning.\" width=\"930\" height=\"655\" \/><\/p>\n<p style=\"text-align: right;\"><span style=\"font-weight: 400;\">(<\/span><a href=\"https:\/\/thefinancialbrand.com\/116780\/what-cfpb-data-sharing-rule-would-mean-for-financial-institutions\/\"><span style=\"font-weight: 400;\">Source<\/span><\/a><span style=\"font-weight: 400;\">)<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The challenge for banks is to communicate effectively with consumers in the current state of uncertainty. Typical consumers aren\u2019t aware of the impending CFPB rule and may perceive data blocks as an unnecessary restriction put in place by their bank. This perception negatively impacts relationships and may even lead to consumer defections. Banks must make it clear why they are taking certain measures for protection.<\/span><\/p>\n<h3><b><a id=\"Increased\"><\/a>Increased importance of secured systems<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Now more than ever, financial institutions need top-level security systems to protect consumer data. This security is especially important when data-sharing access is granted. Secured transmissions help safeguard hacking of consumer data when it is delivered from the bank to the consumer or third-party application.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A cloud-based unified communications system is a holistic platform that integrates advanced end-to-end security into cross-channel communication. It allows your team members to share data with customers securely and efficiently across multiple communication channels. It also ensures security while employees collaborate with each other.<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><\/p>\n<div class=\"rc-post-content-cta rc-post-content-cta_orange\">\n<div class=\"rc-post-content-cta-columns\">\n<div class=\"bottom-cta-img\">\n\t\t\t\t<img decoding=\"async\" width=\"930\" height=\"700\" src=\"\/us\/en\/blog\/wp-content\/uploads\/2022\/02\/finserv-hybrid.jpeg\" class=\"responsive-image\" alt=\"\" \/>\t\t\t<\/div>\n<div class=\"bottom-cta-copy\">\n<div class=\"headline-copy\" style=\"text-align:left;\"><\/span><b>UP NEXT: Ensuring security in financial services hybrid work environments<\/b><span style=\"font-weight: 400;\"><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"rc-post-content-cta-footer\">\n<div class=\"bottom-cta-logo-container\">\n<div class=\"bottom-cta-logo\"><span aria-hidden=\"true\"><svg width=\"154\" height=\"34\" viewBox=\"0 0 154 34\" fill=\"#000\" role=\"img\" aria-labelledby=\"cta-ring-logo-572745180\" 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9.60219Z\" \/>\n\t\t\t\t\t\t\t<path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M16.9769 0.548269C16.101 0.914019 15.307 1.44981 14.6364 2.12196L16.332 3.81756C16.7764 3.37 17.3041 3.01548 17.8865 2.77325C18.4688 2.53102 19.0928 2.40429 19.7232 2.40269C20.3537 2.40108 20.9777 2.523 21.5616 2.76362C22.1439 3.00264 22.6749 3.35556 23.1225 3.79991L24.8181 2.10431C23.8106 1.1001 22.5289 0.415123 21.1333 0.139206C19.7377 -0.139919 18.2907 0.00285184 16.9769 0.548269Z\" \/>\n\t\t\t\t\t\t<\/svg><\/span><\/div>\n<\/p><\/div>\n<div class=\"bottom-cta-link\">\n\t\t\t\t<a href=\"https:\/\/www.ringcentral.com\/us\/en\/blog\/ensuring-security-in-financial-services-hybrid-work-environments\/\" class=\"view-all view-all-brown\" data-dl-name=\"Read the blog\" data-dl-element=\"button\" data-dl-additional-info=\"bottom cta banner\" data-no-auto-dl=\"true\">Read the blog<span class=\"svg-icon\" aria-hidden=\"true\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"#000\" role=\"img\" aria-labelledby=\"cta-ring-arrow-572745180\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t\t\t\t<title id=\"cta-ring-arrow-572745180\">Ring Central Logo<\/title>\t\n\t\t\t\t\t<path d=\"M0 11.5C0 11.2239 0.223858 11 0.5 11H21.6797C21.9559 11 22.1797 11.2239 22.1797 11.5V12.5C22.1797 12.7761 21.9559 13 21.6797 13H0.5C0.223858 13 0 12.7761 0 12.5V11.5Z\" ><\/path>\n\t\t\t\t\t<path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M21.1718 12.0001L15.8086 6.63691C15.6134 6.44165 15.6134 6.12506 15.8086 5.9298L16.5157 5.22269C16.711 5.02743 17.0276 5.02743 17.2228 5.22269L23.6467 11.6465C23.8419 11.8418 23.8419 12.1584 23.6467 12.3536L17.2228 18.7775C17.0276 18.9727 16.711 18.9727 16.5157 18.7775L15.8086 18.0704C15.6134 17.8751 15.6134 17.5585 15.8086 17.3633L21.1718 12.0001Z\" ><\/path>\n\t\t\t\t<\/svg><\/span><\/a>\n\t\t\t<\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>\t<\/span><\/p>\n<h2><b><a id=\"RingCentral\"><\/a>RingCentral provides protection for banks<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">The delay of the CFPB rule on data-sharing continues to put the onus on banks to protect consumer security and privacy. Financial institutions are trying to balance fiduciary responsibilities for consumer protection with consumer expectations for data access. The lack of a clear rule and parameters means continued reliance on clearing houses and other risk assessments.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The RingCentral comprehensive, cloud-based communications solution delivers seamless, cross-channel capabilities with multi-factor authentication. It is the safest and most effective way for your bank to interact with consumers across all popular channels. <\/span><a href=\"https:\/\/www.ringcentral.com\/view_demo.html?__mscta=2881_91376_3444\"><span style=\"font-weight: 400;\">See how it works<\/span><\/a><span style=\"font-weight: 400;\">!<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Highlights A delay in the CFPB data-sharing rule is likely to cause disruption to bank and fintech partnerships. More restrictive policies on data sharing with consumers and fintech are likely. Safe, unified communications solutions will be more important than ever. \ud83d\udc40 \ud83d\udc40\u00a0 Did you know that digital transformation in financial services is well underway? Grab &#8230;<\/p>\n","protected":false},"author":1120,"featured_media":51958,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[18836],"tags":[10586,5860],"class_list":["post-51956","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financial-services","tag-data-sharing","tag-secure-communications"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v19.3 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Delay in CFPB&#039;s data sharing rule keeps financial institutions guessing | RingCentral Blog<\/title>\n<meta name=\"description\" content=\"What happens when data sharing among banking firms is delayed? 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Matt has an MBA from Cornell University and a BA in Economics and East Asian Studies from Colby College.","sameAs":["https:\/\/www.linkedin.com\/in\/mdlehman\/"],"url":"\/us\/en\/blog\/author\/matt-lehman\/"}]}},"rc_img_url":"\/us\/en\/blog\/wp-content\/uploads\/2022\/05\/banking-main.jpeg","rcblog_by_author":"<a href=\"\/us\/en\/blog\/author\/matt-lehman\/amp\" data-dl-events-click=\"true\" data-dl-element=\"link\"><span class=\"image\"><img src=\"https:\/\/secure.gravatar.com\/avatar\/451b7b4a0fd30f37a8d700c8152fcb64740f49e5562268577f0e4ee32e29963e?s=96&d=mm&r=g\" alt=\"\" width=\"30\" height=\"30\" layout=\"fixed\"><\/img><\/span><span class=\"by-author-name\">Matt Lehman<\/span><\/a>","rc_author_full_name":"Matt Lehman","rc_author_avatar":"\/us\/en\/blog\/wp-content\/uploads\/2021\/12\/matthew-lehman.jpeg","rc_author_link":"\/us\/en\/blog\/author\/matt-lehman\/amp","rc_post_categories":"<a href=\"\/us\/en\/blog\/category\/verticals\/financial-services\/amp\">Financial services<\/a>","amp_link":"\/us\/en\/blog\/delay-in-cfpbs-data-sharing-rule-keeps-financial-institutions-guessing\/amp","excerpt_title":"Delay in CFPB&#8217;s data sharing rule keeps financial i...","_links":{"self":[{"href":"https:\/\/newrcblog.wpengine.com\/us\/en\/blog\/wp-json\/wp\/v2\/posts\/51956","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/newrcblog.wpengine.com\/us\/en\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/newrcblog.wpengine.com\/us\/en\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/newrcblog.wpengine.com\/us\/en\/blog\/wp-json\/wp\/v2\/users\/1120"}],"replies":[{"embeddable":true,"href":"https:\/\/newrcblog.wpengine.com\/us\/en\/blog\/wp-json\/wp\/v2\/comments?post=51956"}],"version-history":[{"count":0,"href":"https:\/\/newrcblog.wpengine.com\/us\/en\/blog\/wp-json\/wp\/v2\/posts\/51956\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/newrcblog.wpengine.com\/us\/en\/blog\/wp-json\/wp\/v2\/media\/51958"}],"wp:attachment":[{"href":"https:\/\/newrcblog.wpengine.com\/us\/en\/blog\/wp-json\/wp\/v2\/media?parent=51956"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/newrcblog.wpengine.com\/us\/en\/blog\/wp-json\/wp\/v2\/categories?post=51956"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/newrcblog.wpengine.com\/us\/en\/blog\/wp-json\/wp\/v2\/tags?post=51956"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}