Do you have a dumb question that you're kind of embarrassed to ask in the main thread? Is there something you're just not sure about?
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I've never heard any reports of this. Are you saying you've seen some bank for which Plaid supports OAuth rather than merely doing screen-scraping? If so, what bank is that?
It really shouldn't be “up for debate”.
If your bank supports OAuth as a protocol, but doesn't tell you exactly what authorizations you're granting the relying party when you approve a request, that's a massive failure of your bank, and arguably a violation of at least the spirit of the OAuth spec:
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