Consumers Union comments to the Consumer Financial Protection Bureau (CFPB) Request for Information Regarding Consumer Access to Financial Records (Docket No. CFPB-2016-0048). CU’s comments focus on the benefits consumers experience thanks to the ability to access their financial records and make use of third party financial management tools. Although these products can enable consumers to more effectively manage their personal finances, the potential benefits these services may offer in some cases may be undercut by gaps in consumer protections. The uneven consumer protection landscape of third-party financial management tools may leave some consumers, especially economically vulnerable consumers, at a greater risk of fraud or loss. CU urges the Bureau to use its authority, as well as work with Congress and other relevant agencies, to ensure that consumers receive baseline protections when accessing and using third-party financial management services.