The CFPB's Section 1033 rule was finalized in October 2024 to give consumers the right to access and share their financial data through secure interfaces. As of 2026 the rule is not in force: a federal court has enjoined the CFPB from enforcing it, and the CFPB has reopened the rule for substantial revision — including whether data providers may charge fees for access. The compliance deadlines below are technically still on the books but have been effectively suspended pending that reconsideration.
Overview
The CFPB's Section 1033 rule was finalized in October 2024 to give consumers the right to access and share their financial data through secure interfaces. As of 2026 the rule is not in force: a federal court has enjoined the CFPB from enforcing it, and the CFPB has reopened the rule for substantial revision — including whether data providers may charge fees for access. The compliance deadlines below are technically still on the books but have been effectively suspended pending that reconsideration. Treat US open banking as in transition, not settled.
Scope & Coverage
Key Requirements
Implementation Timeline
API Specifications
Technical standards and API specifications for implementing Section 1033:
Official Documents & Resources
Key Notes
Status as of mid-2026: ENJOINED AND UNDER RECONSIDERATION. Final rule issued Oct 2024; effective Jan 2025; CFPB moved to set it aside (May 2025), paused litigation to start a new rulemaking (Jul 2025), issued a reconsideration ANPR reopening the fee question (Aug 2025), and a federal court issued a preliminary injunction against enforcement (~Oct 2025). The phased April-1 compliance deadlines are suspended in practice. See the Section 1033 status tracker guide for the maintained timeline and sources.
Official Resources
Related Regulations
Other open banking frameworks in North America:
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