Data is becoming a much greater asset than ever, and companies are using much more sophisticated data analytics to drive their daily business decisions. Due to this increased sophisti cati on and a lack of transparency on how the data is being used, the U.S. government has started to regulate industries like banks and financial institutions under the Basel Committee on Banking Supervision (BCBS 239), Dodd-Frank Act Stress Testing (DFAST), and Comprehensive Capital Analysis and Review (CCAR) regimes. They ensure financial institutions possess enough capital to survive a crashing market, stabilize, and prevent a severe depression like the financial crisis of 2008.

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