  Data cooperatives with fiduciary obligations to members provide a promising
direction for the empowerment of individuals through their own personal data. A
data cooperative can manage, curate and protect access to the personal data of
citizen members. Furthermore, the data cooperative can run internal analytics
in order to obtain insights regarding the well-being of its members. Armed with
these insights, the data cooperative would be in a good position to negotiate
better services and discounts for its members. Credit Unions and similar
institutions can provide a suitable realization of data cooperatives.
