신용법 위반 논란 예가람·고려저축銀, 과징금 취소…당국과 장기 대립할까

This case exemplifies the growing tension between regulatory enforcement and proportionality in financial data protection. While the court affirmed that the banks violated credit information laws, it questioned whether the financial authority's penalty calculation was appropriate for violations that predated new regulations and caused no secondary harm. The decision could reshape how financial regulators assess penalties, potentially triggering a wave of similar challenges across the industry.