[error54]

I did not know about Plaid until today.

https://plaid.com/solutions/transaction-data/

> Our high-functioning platform pulls up to 24 months of data directly from users’ bank accounts.

Whoa. I never agreed to anything like that. How is this legal/why would banks let a startup have this much information?

[foodstances]

You authenticate to Plaid with your bank credentials, so it's not much different than the data you can get directly from the bank through OFX (like Quicken and other things do). Plaid just simplified it and put a better API on it.