regions-financial Transactions API

openapi: 3.0.3
info:
  title: Regions Open Banking Account Information Transactions API
  description: Regions Bank is implementing FDX-compliant open banking APIs through its partnership with Axway Amplify Open Banking. These APIs enable secure, consent-based financial data sharing for consumer banking, corporate banking, and wealth management, replacing legacy screen-scraping with standardized API access. Built to Financial Data Exchange (FDX) API v6.x standards. Regions joined FDX in 2021 and is targeting full compliance with CFPB open banking rules by April 2027.
  version: 1.0.0
  contact:
    name: Regions Bank Developer Support
    url: https://www.regions.com
  x-api-id: regions-open-banking-api
  x-audience: partner
  x-standard: FDX
servers:
- url: https://api.regions.com/v1
  description: Production
security:
- OAuth2:
  - accounts:read
tags:
- name: Transactions
  description: Account transaction history
paths:
  /accounts/{accountId}/transactions:
    get:
      operationId: listTransactions
      summary: List Transactions
      description: Retrieve transaction history for a specific account.
      tags:
      - Transactions
      parameters:
      - $ref: '#/components/parameters/AccountId'
      - name: startDate
        in: query
        description: Start date for transaction range (YYYY-MM-DD)
        required: false
        schema:
          type: string
          format: date
      - name: endDate
        in: query
        description: End date for transaction range (YYYY-MM-DD)
        required: false
        schema:
          type: string
          format: date
      - name: limit
        in: query
        required: false
        schema:
          type: integer
          default: 50
          maximum: 500
      - name: offset
        in: query
        required: false
        schema:
          type: integer
          default: 0
      responses:
        '200':
          description: Transaction list
          content:
            application/json:
              schema:
                type: object
                properties:
                  transactions:
                    type: array
                    items:
                      $ref: '#/components/schemas/Transaction'
                  page:
                    $ref: '#/components/schemas/PageInfo'
        '401':
          $ref: '#/components/responses/Unauthorized'
        '404':
          $ref: '#/components/responses/NotFound'
components:
  responses:
    Unauthorized:
      description: Missing or invalid OAuth2 token
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
    NotFound:
      description: Resource not found
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
  parameters:
    AccountId:
      name: accountId
      in: path
      required: true
      schema:
        type: string
      description: Unique account identifier
  schemas:
    Transaction:
      type: object
      properties:
        transactionId:
          type: string
          description: Unique transaction identifier
        accountId:
          type: string
          description: Account the transaction belongs to
        postedDate:
          type: string
          format: date
          description: Date transaction was posted
        transactionDate:
          type: string
          format: date
          description: Date transaction occurred
        amount:
          type: number
          format: float
          description: Transaction amount (negative for debits)
        currency:
          type: string
          default: USD
        description:
          type: string
          description: Transaction description
        category:
          type: string
          description: Spending category
        type:
          type: string
          enum:
          - DEBIT
          - CREDIT
        status:
          type: string
          enum:
          - PENDING
          - POSTED
        merchantName:
          type: string
          description: Merchant name for card transactions
        merchantCategory:
          type: string
          description: Merchant category code (MCC)
    PageInfo:
      type: object
      properties:
        total:
          type: integer
        limit:
          type: integer
        offset:
          type: integer
        hasMore:
          type: boolean
    Error:
      type: object
      properties:
        code:
          type: string
        message:
          type: string
        details:
          type: string
        traceId:
          type: string
  securitySchemes:
    OAuth2:
      type: oauth2
      description: OAuth 2.0 with customer consent (FDX standard)
      flows:
        authorizationCode:
          authorizationUrl: https://auth.regions.com/oauth/authorize
          tokenUrl: https://auth.regions.com/oauth/token
          scopes:
            accounts:read: Read account information
            transactions:read: Read transaction history
            customers:read: Read customer profile
            payments:write: Initiate payments