This week, the battle over consumer financial data continues. However, without an agreed-upon protocol, these deals won’t be enough to protect consumers.

The major financial institutions are in a price war, cutting their ETF expense ratios in a back-and-forth which has led to the steepest decline in fees since the online brokerage was invented during the first dot-com boom.

DIY investing is alive and well. And no, we’re not talking about $ETSY.