# CIBC

**Canonical:** https://apis.io/providers/cibc/  
**Website:** https://www.cibc.com  
**APIs profiled:** 0

Canadian Imperial Bank of Commerce (CIBC) is a Schedule I domestic chartered bank and one of Canada's Big Six, formed in 1961 through the merger of the Canadian Bank of Commerce and the Imperial Bank of Canada and headquartered in Toronto, Ontario. Serving roughly eleven million personal, business, commercial, wealth, and capital-markets clients across Personal & Business Banking, Wealth Management, and Capital Markets, CIBC is a participant in the shared Canadian rails, including Interac e-Transfer and Payments Canada settlement systems. Canada has no operational open-banking mandate today: the federal Consumer-Driven Banking framework legislated in Budget 2024 and the 2024 Fall Economic Statement, overseen by the Financial Consumer Agency of Canada (FCAC), is not yet live, so access remains voluntary and fragmented. CIBC runs no first-party public developer portal (developer.cibc.com does not resolve) and publishes no downloadable OpenAPI or Swagger specifications. Consumer-permissioned data access is aggregator-mediated: CIBC signed a tokenized data-access agreement with U.S. aggregator MX (announced August 2022, MX's first in Canada) to let clients share financial data with third-party apps without exposing banking credentials, and its accounts are also reachable through Plaid (Assets, Auth, Balance). Corporate connectivity is offered through CIBC SWIFT Corporate Access (SCA) file exchange rather than a public REST API, so CIBC's honest public API surface today is aggregator-mediated only, pending the coming Consumer-Driven Banking regime.

## Kin Score — 10.2 / 100 (minimal)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 10.2).

| Facet | Score |
|---|---|
| Discoverability | 57.4 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 2.6 |
| Developer Ergonomics | 9.5 |
| Commercial Clarity | 21.1 |
| Access Clarity | 21.1 |

Regulatory layer — **Banking & Open Finance**: 17.7 (matched via tags).

## Agent readiness — 0.0 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Security (1)

- **Cibc Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Financial-Services, Banking, Canada, Big Six, Schedule I Bank, Open Finance, Consumer-Driven Banking, Interac, Payments, Data Aggregation

---

Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/cibc/). Scores are computed from the provider's own public artifacts under a published rubric.