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ZENODO
Dataset . 2025
License: CC BY
Data sources: Datacite
ZENODO
Dataset . 2025
License: CC BY
Data sources: Datacite
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Layered, Overlapping, and Inconsistent: A Large-Scale Analysis of the Multiple Privacy Policies and Controls of U.S. Banks

Authors: Xian, Lu;

Layered, Overlapping, and Inconsistent: A Large-Scale Analysis of the Multiple Privacy Policies and Controls of U.S. Banks

Abstract

This zip provides the main artifacts for our study: a web crawler ('crawler_and_data/crawler'), the resulting collection of crawled documents ('document_collection'), and manually annotated data ('data_files/quotations.csv') used for analysis. All data files are provided to reproduce the main results in the paper "Layered, Overlapping, and Inconsistent: A Large-Scale Analysis of the Multiple Privacy Policies and Controls of U.S. Banks". The research questions are - RQ1: How many privacy policies are consumers likely to encounter for a given U.S. bank? What do their length and readability reveal about the effort required for consumers to understand a bank’s data practices? - RQ2: What do a bank's multiple privacy policies, provided in response to different regulations, disclose about third-party sharing practices regarding marketing and advertising purposes? Are these disclosures consistent across multiple policies provided by the \textit{same} bank? - RQ3: How many privacy opt-outs do banks provide regarding third-party sharing for marketing purposes, as required by different regulations? Our main artifacts are - (a) a crawler that enables crawling for potential privacy policy documents from the landing page of a website, up to 2 layers deep (see more in the `Privacy Policy Retrieval' paragraph of Section 4.1.1 in the paper); - (b) a collection of five types of privacy documents that the top ~2000 U.S. banks provide (see more in the `Policy classification' paragraph of Section 4.1.1 in the paper); and - (c) annotated privacy policy documents according to codebook (see Appendix D in the paper), where data-sharing disclosures and opt-out choices are provided in quotations (see more in Section 4.2.4 in the paper). Additionally, we provide code and supplementary data files to reproduce the main results that answer the three research questions: Tables 1-5 and Figure 4.

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citations
This is an alternative to the "Influence" indicator, which also reflects the overall/total impact of an article in the research community at large, based on the underlying citation network (diachronically).
BIP!Citations provided by BIP!
popularity
This indicator reflects the "current" impact/attention (the "hype") of an article in the research community at large, based on the underlying citation network.
BIP!Popularity provided by BIP!
influence
This indicator reflects the overall/total impact of an article in the research community at large, based on the underlying citation network (diachronically).
BIP!Influence provided by BIP!
impulse
This indicator reflects the initial momentum of an article directly after its publication, based on the underlying citation network.
BIP!Impulse provided by BIP!
0
Average
Average
Average