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This article introduces the origin and some definitions of Open Banking.

The Sherman Antitrust Act of 1890 prohibits any monopoly in the market, while the Federal Trade Commission Act of 1914 prohibits unfair competition methods or behaviors.

Unlike the assumption made by the theory, costs associated with inducing parties to incorporate restrictions into an agreement can be very large.

In order to modify APA, executive orders can be an easier way to perform this need. Hence, the agencies with similar needs can work together and make better suggestions that can satisfy everyone’s needs.

The Administrative Procedure Act aims for industrial benefit, but in fact, due to its onerous procedures, it limits the agencies to publish the proposal.