Analytics can make extensive use of consumers personal data, as you've leared in this course. However, the law can govern and restrict exactly how data can be used...and in fact, even specify who owns a consumer's data Then, to complicate matters, laws related to consumer data may differ from country to country (or in the case of the European Union, to a collection of countries). In the US, a consumer's personal data collected by an financial institution is owned by: O That consumer (the individual person) The US government O Partly by the US government, and partly by the state in which the consumer lives O Partly by the US government, and partly by the state in which the financial institution is headquartered 0 None of the above is correct