I mean, we all have things we'd rather not have people reject us for, that doesn't mean it should be illegal to do so. We already have the (legal) right to keep our software preferences private.

In general I'd caution against trying to use legalisation to solve problems like this because they usually introduce more problems. At the very least I'd expect banks to no longer carry liability for fraud, so perhaps one intended consequence of this is that if you get defrauded the bank no longer protects you. That would suck imo.

Perhaps they could make it so you waive all protections by using unauthorised software. That would probably require changes to existing legislation, and then of course people would complain that the banks have too much power etc...

> At the very least I'd expect banks to no longer carry liability for fraud

Respectfully to you but not to banks, fuck that. You can use your computer under your control to access a bank and it's fine. You don't have to give up fraud protection. Phone apps should be the same way.