David Medine

Senior Financial Sector Specialist

David Medine is a consultant to CGAP and was previously CGAP's staff lead on data protection and security. He works to develop novel, consumer-oriented approaches to data protection and to encourage the creation of cyber security resource centers for developing countries.

David has more than 25 years of experience with privacy and consumer financial services. Before joining CGAP, he served as chairman of the U.S. Privacy and Civil Liberties Oversight Board, an attorney fellow for the Securities and Exchange Commission, and a special counsel at the Consumer Financial Protection Bureau. From 2002 to 2012, he was a partner in the law firm WilmerHale. Before that, he served as a senior adviser to the White House National Economic Council. From 1992 to 2000, David was the associate director for Financial Practices at the Federal Trade Commission (FTC), where in addition to enforcing consumer financial laws, he took the lead on internet privacy. Before joining the FTC, he taught at the Indiana University (Bloomington) School of Law and the George Washington University School of Law.

David has a Juris Doctorate degree from the University of Chicago Law School and a bachelor’s degree from Hampshire College.

By David Medine


Consumer & Data Protection: A New Approach to Intersecting Risks

Consumer and data protection risks have historically been treated as separate concerns. Instead, all authorities involved with consumer data protection should work together to regulate in a way that ensures the responsible use of consumer data.

To Reach its Inclusive Potential, Open Finance Needs Data Protection

Open finance gives consumers control over their personal financial data, leading to more suitable and better-targeted financial services. But this ability to move entire financial histories both empowers consumers and poses risks.

Combining Open Finance and Data Protection for Low-Income Consumers

Open finance gives low-income consumers greater control of their personal information, helping make their data work for them, giving them access to more products at lower costs through multiple and easy-to-access channels, and allowing for remote consumer onboarding.


How are Mobile Money Agents Protecting Customers’ Data in Uganda?

Recent qualitative research in Uganda conducted by CGAP and MicroSave Consulting (MSC) identified good practices for responsible agents in safeguarding their customers’ data and the role that providers can play in promoting these practices.

Study Shows Kenyan Borrowers Value Data Privacy, Even During Pandemic

Research in Kenya shows that low-income borrowers value data privacy so much that most are willing to pay higher interest rates for better privacy protections, even during the COVID-19 pandemic.