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In the United States, a bank cannot simply hand every customer record to any app. Federal rules identify specific financial data that a bank must provide to a third party when you authorize that party to deliver a service you requested. The bank is responsible for making covered data available through an appropriate, secure interface; the receiving company is responsible for informed consent, limited use and retention, onward sharing, and security after it receives the data. A data aggregator can assist, but it does not remove the authorized third party’s responsibility.
What the federal data-sharing rule covers
The Consumer Financial Protection Bureau’s Personal Financial Data Rights Rule, issued under Section 1033 of the Consumer Financial Protection Act, applies to covered consumer financial products and services in the U.S. It creates an electronic-access right for the consumer and an authorized third party. The rule does not mean that every item in a bank’s systems must be released.
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The regulation states: “A data provider must make available to a consumer and an authorized third party, upon request, covered data in the data provider’s control or possession concerning a covered consumer financial product or service that the consumer obtained from the data provider, in an electronic form usable by consumers and authorized third parties.” (12 CFR § 1033.201)
Data categories that may be covered
| Category | What it can include |
|---|---|
| Transaction information | Historical transactions, amounts, dates, payment types, status, merchants or payees, rewards credits, fees, and finance charges. At least 24 months of historical transaction information satisfies the rule’s stated historical-data requirement. |
| Account balances | Current balance information for the covered account or product. |
| Payment-initiation information | Information needed to initiate a payment to or from a qualifying Regulation E account, potentially including account and routing numbers. A tokenized account number is allowed when the rule’s conditions are met. |
| Product terms | Legal terms and conditions such as fees, APR or APY, credit limit, rewards terms, overdraft opt-in status, and arbitration terms. |
| Upcoming bills | Scheduled third-party bill payments and upcoming amounts due to the provider. |
| Basic verification details | Associated name, address, email address, phone number, and—under specified circumstances—a truncated account number or another identifier. |
The exact fields available can depend on the product and what the provider controls or possesses. The rule’s list is a legal scope, not a promise that every bank exposes every field in the same format.
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Information the rule can exclude
Under 12 CFR § 1033.221, a provider generally does not have to disclose:
- Confidential commercial information.
- Information collected solely to prevent or detect fraud or money laundering, or to report unlawful conduct.
- Information another law requires to remain confidential.
- Information the provider cannot retrieve in the ordinary course of business.
Privacy protection by itself does not turn ordinary consumer account information into confidential commercial information. The exclusions are specific and do not authorize a blanket refusal to provide covered records.
When a bank may provide data to an app or other company
A third party must seek access on your behalf to provide a product or service you requested. Connecting an account to a budgeting tool, payment service, lending application, or similar product is therefore different from a bank deciding to distribute your entire history for unrelated marketing.
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The authorization disclosure you should see
Before access is obtained, the authorized third party must give a clear disclosure that:
- Identifies the third party and the data provider.
- Describes the requested product or service.
- Lists the categories of data it wants.
- Explains how long collection is expected to continue.
- Describes how you can revoke authorization.
- Certifies the obligations that apply to its collection, use, retention, and security.
You must give express, informed consent through a signed electronic or written authorization. A vague “continue” button that does not explain the parties, data categories, duration, and revocation process does not provide the full disclosure contemplated by 12 CFR § 1033.401 and § 1033.411.
What happens during a typical connection
- You request a service. For example, you choose account aggregation so an app can categorize transactions.
- The app identifies the requested scope. It should name the bank, the data fields, the purpose, the expected collection period, and the revocation method.
- You authorize access. Consent must be express and informed, not inferred from unrelated account activity.
- The bank supplies covered data electronically. The provider’s interface must be usable by consumers and authorized third parties and must meet applicable security and reliability requirements.
- The app uses the information for the requested service. It must stay within the rule’s limits and protect the data it handles.
- You revoke or allow authorization to expire. Revocation should stop further collection as required by the authorization and applicable rules; separately, you should remove the connection in the app and at the bank when those controls are available.
Who is responsible for protecting the information?
Responsibility is shared by role. The bank remains accountable for its conduct as the data provider, while the receiving company becomes accountable for the data-handling duties that apply after access is granted. Consumer permission does not transfer all responsibility to the bank or excuse the recipient from security rules.
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| Party | Main responsibilities | Important limits |
|---|---|---|
| Bank or other data provider | Make covered data it controls or possesses available in a usable electronic form; operate an appropriately secure developer interface; follow the rule’s access and performance requirements. | May use a risk-based denial when access would conflict with applicable safety-and-soundness, security, or other risk-management requirements and the denial satisfies the rule’s reasonableness conditions. |
| Authorized third party | Obtain informed authorization; limit collection, use, and retention; maintain an applicable information-security program; control onward disclosures; explain its practices to the consumer. | May not treat targeted advertising, cross-selling, or selling covered data as reasonably necessary for the requested service. Collection is generally limited to one year from the most recent authorization unless the consumer reauthorizes. |
| Data aggregator | May perform authorization procedures for the authorized third party and connect the provider’s interface to the requesting service. | Must disclose its identity and services and certify compliance with specified conditions. The authorized third party remains responsible for compliance with the authorization procedures. |
The bank’s interface and credential duties
The provider must apply its applicable information-security program to the developer interface. The rule also prohibits third parties from using a consumer’s ordinary online-banking credentials to reach that developer interface, subject to the regulation’s stated service-provider provision. A connection that requires you to hand your normal bank password to an unrelated company therefore raises a different security and compliance question from an interface-based authorization.
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A free scan shows the junk files, broken settings and background clutter dragging Windows down - then fixes them in one click.Free scan · Windows 10 & 11The rule specifies a minimum of 99.5 percent proper interface responses per calendar month, calculated under the regulation’s rules and with scheduled downtime treated as provided there. That number is an interface-performance requirement; it is not a guarantee that every account connection will work continuously or that a bank must expose data it cannot retrieve in the ordinary course of business. See 12 CFR § 1033.311.
The recipient’s use, retention, and security duties
An authorized third party may collect, use, and retain only what is reasonably necessary to provide the service you requested. The rule specifically excludes targeted advertising, cross-selling, and sale of covered data from that necessity standard. A company cannot turn a narrow account-connection permission into a general license to build unrelated marketing profiles.
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The one-year collection limit runs from the most recent authorization unless you reauthorize. Retention and deletion practices can also be affected by other legal obligations, so read the company’s privacy and deletion terms rather than assuming that revocation instantly erases every copy. If the third party shares data onward, it must use contracts requiring recipients to meet the specified obligations.
The third party must maintain the applicable Gramm-Leach-Bliley Act (GLBA) information-security program. If it is not subject to GLBA section 501, the regulation points to the information-security program required by the Federal Trade Commission’s Safeguards Rule. Those duties continue even though you gave permission.
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Many account connections involve a separate aggregation service between the bank and the app you chose. The aggregator must be identified in the consumer disclosure and describe what it does. It must certify compliance before accessing the data. The app that requested the connection remains responsible for the authorization procedures, so an aggregator is not a loophole that shifts every obligation away from the requesting company.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.How GLBA privacy notices fit with Section 1033 access
The GLBA Privacy Rule is related but distinct. The FTC’s compliance guide says covered financial institutions must provide privacy notices describing how they collect and share information. When an institution shares nonpublic personal information with a nonaffiliated third party outside specified exceptions, it generally must also provide an opt-out notice, a reasonable opt-out method, and a reasonable period before disclosure. See the FTC GLBA Privacy Rule compliance guide.
Exceptions matter. Not every permitted disclosure requires the same opt-out, and an opt-out does not replace the express authorization required for a third party seeking Section 1033 access. Conversely, Section 1033 authorization does not eliminate the privacy, security, reuse, or redisclosure restrictions that may apply under GLBA and other law. Check the bank’s privacy notice and the app’s authorization screen separately.
What you should check before connecting an account
- Purpose: Is the service one you actually requested, and does the requested data match that purpose?
- Categories: Does the disclosure ask for transactions, balances, payment details, terms, bills, verification information, or all of them?
- Duration: Does it state how long collection will continue and whether reauthorization is needed?
- Revocation: Is there a practical way to stop future access at the app and, where offered, at the bank?
- Credentials: Does the flow use the bank’s authorization interface rather than asking you to disclose ordinary online-banking credentials?
- Sharing: Does the company explain aggregators, service providers, onward recipients, and deletion or retention?
- Security: Can you identify the company’s security contact, privacy policy, and breach-notification process?
If the app requests more information than its stated feature needs, pause and ask why. You can decline a connection, revoke an existing authorization, change your bank password if you previously exposed it, and monitor statements for unfamiliar activity. Those practical steps do not determine legal liability for a breach, but they reduce ongoing exposure.
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Current status of the federal rule
The regulation’s published phase-in schedule lists initial compliance dates for different provider sizes from April 1, 2026, through April 1, 2030, in 12 CFR § 1033.121. Those printed dates should not be treated as currently enforceable without checking for later developments.
The CFPB’s implementation resource reports that a court stayed the compliance dates on October 29, 2025, in Forcht Bank, N.A., et al. v. Consumer Financial Protection Bureau, et al. The same resource reports an August 22, 2025 advance notice of proposed rulemaking and plans for a proposed rule that would extend compliance dates. Because court orders and rulemaking can change, consult the CFPB’s current Personal Financial Data Rights implementation resource before relying on a deadline.
The stay concerns timing; it does not make it accurate to say that banks may freely sell all customer data, that all third-party sharing is prohibited, or that a consumer’s consent removes the recipient’s security duties. State privacy laws, account contracts, and the facts of a particular incident can add requirements beyond this federal framework.
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