Open banking in the United States is taking a very different form compared to open banking across the pond in Europe — more advanced in some areas, less so in others. As the Consumer Financial Protection Bureau (CFPB) pushes forward with an open banking rule, what is already an active, organic market will become far hotter. This report examines the likely path for open banking and open finance in the US — and the actions that execs need to take now to ensure that they and their customers gain from the formal opening up of data sharing to help chart the future, rather than observe from the bleachers.