A proposal to require real-time user consent for credit inquiries using OAuth 2.0 with PKCE, supported only by a localhost demonstration.
This PoC demonstrates how a user securely authorizes a bank to perform a credit inquiry via a credit bureau, with explicit consent and authentication steps
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Securing Credit Inquiries: The Role of Real-Time User Approval in Preventing SSN Identity Theft
A proposal to require real-time user consent for credit inquiries using OAuth 2.0 with PKCE, supported only by a localhost demonstration.