Many of these rules were developed based on the incredible abuses committed by the mortgage and securities industries, and others are based on laws intended to protect the privacy of ordinary people.

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The financial institution may store a record of user preferences associated with the primary and subsidiary financial accounts, and may update these account holder preferences based on the received financial transaction rules.

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These attempt to manage the risk of the banking system through the superior guidance of complex rules based on black box mathematical algorithms.

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