Financial Data Exchange (FDX)

Financial Data Exchange (FDX) is a non-profit industry standards body operating in the US and Canada that produces the FDX API, a royalty-free REST standard for consumer-permissioned financial data sharing. The FDX API defines interoperable endpoints covering deposit accounts, loan accounts, investment accounts, insurance policies, tax data, payroll data, reward programs, and consent management, enabling data providers (financial institutions), data access platforms (aggregators), and data recipients (fintechs) to exchange consumer financial data without exposing user credentials. As of early 2026 over 130 million consumer accounts are connected via the FDX API across 200+ member organizations including Bank of America, Chase, Citi, Wells Fargo, Plaid, and MX. FDX API v6.5 is the current stable release.

Financial Data Exchange (FDX) publishes 6 APIs on the APIs.io network, including Account Information API, Account Statements API, Account Transactions API, and 3 more. Tagged areas include Financial Data, Open Banking, Open Finance, Financial Data Exchange, and Consumer Permissioned.

The Financial Data Exchange (FDX) catalog on APIs.io includes 1 JSON-LD context and 1 Spectral governance ruleset.

Financial Data Exchange (FDX)’s developer surface includes authentication, documentation, engineering blog, YouTube channel, and 18 more developer resources.

🌐 Visit website 📡 Source on GitHub

50.3/100 developing ▼ -6.8 Agent 37/100 agent ready Full breakdown ↓
scored 2026-07-28 · rubric v0.6

AccessFreeSelf serve⚡ Free to try

12 APIs

Financial DataOpen BankingOpen FinanceFinancial Data ExchangeConsumer PermissionedAccount DataTransactionsInvestmentsInsuranceTax DataPayrollRESTOAuth2FAPICFPB 1033

Kin Score

Kin Score How this is scored →
scored 2026-07-28 · rubric v0.6

Composite quality — 50.3/100 · developing

Contract Quality 16.5 / 25

Developer Ergonomics 6.1 / 20

Commercial Clarity 12.1 / 20

Operational Transparency 0.7 / 13

Governance 7.0 / 12

Discoverability 7.4 / 10

Agent readiness — 37/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 7 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/fdx: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 12

Individual APIs this provider publishes, each with its own machine-readable definition.

GraphQL 1

GraphQL schemas published by this provider.

Rate Limits 1

Documented rate limits and quota policies.

Fdx Rate Limits

0 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

JSON Schema 83

Standalone JSON Schema definitions for this provider's data models.

Scroll for all 83

Scopes 1

OAuth scopes governing access to this provider's APIs.

Fdx Scopes

3 scopes · authorizationCode

3 scopes

SCOPES

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Fdx Agentic Access

27 operations

27 operations · 0 acting

AGENTIC

Resources

Get Started 3

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

OnboardingPortal

OnboardingPortal

Registry

Registry

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrg

GitHubOrg

Access & Security 4

Authentication, authorization, and security posture

DomainSecurity

Authentication

OAuthScopes

Authentication

Learn 1

Tutorials, courses, talks, and written guidance

YouTube

YouTube

Operate 1

Status, limits, changes, and where to get help

RateLimits

RateLimits

Commercial 5

Pricing, plans, and the legal terms of use

PrivacyPolicy

TermsOfService

LicenseAgreement

Plans

FinOps

Company 3

The organization behind the API

Website

Website

Blog

Blog

LinkedIn

Other 2

Properties that don't map to a standard resource type

Membership

Membership

Source (apis.yml)

name: Financial Data Exchange (FDX)
description: Financial Data Exchange (FDX) is a non-profit industry standards body operating in the US and Canada that produces
  the FDX API, a royalty-free REST standard for consumer-permissioned financial data sharing. The FDX API defines interoperable
  endpoints covering deposit accounts, loan accounts, investment accounts, insurance policies, tax data, payroll data, reward
  programs, and consent management, enabling data providers (financial institutions), data access platforms (aggregators),
  and data recipients (fintechs) to exchange consumer financial data without exposing user credentials. As of early 2026 over
  130 million consumer accounts are connected via the FDX API across 200+ member organizations including Bank of America,
  Chase, Citi, Wells Fargo, Plaid, and MX. FDX API v6.5 is the current stable release.
accessModel:
  pricing: free
  onboarding: self-serve
  trial: false
  try_now: true
  public: false
  label: Free · Self-serve signup
  confidence: high
  source:
  - plans
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/fdx.png
url: https://raw.githubusercontent.com/api-evangelist/fdx/refs/heads/main/apis.yml
created: '2026-06-13'
modified: '2026-06-13'
specificationVersion: '0.19'
aid: fdx
type: Index
tags:
- Financial Data
- Open Banking
- Open Finance
- Financial Data Exchange
- Consumer Permissioned
- Account Data
- Transactions
- Investments
- Insurance
- Tax Data
- Payroll
- REST
- OAuth2
- FAPI
- CFPB 1033
apis:
- name: FDX Transactions API
  description: RESTful endpoints for retrieving consumer transaction histories including pending and posted transactions,
    transaction categorization, merchant data, and transaction amounts across deposit, loan, and investment accounts within
    the permissioned scope.
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://financialdataexchange.org
  baseURL: https://api.financialdataexchange.org
  tags:
  - Transactions
  - Transaction History
  - Pending Transactions
  - Merchant Data
  properties:
  - type: Documentation
    url: https://financialdataexchange.org
- name: FDX Investment API
  description: RESTful endpoints for retrieving investment account data including holdings, positions, investment transactions,
    cost basis, and portfolio composition. Covers brokerage, retirement, and managed investment accounts under the FDX investment
    data cluster.
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://financialdataexchange.org
  baseURL: https://api.financialdataexchange.org
  tags:
  - Investments
  - Holdings
  - Portfolio
  - Brokerage
  - Retirement
  properties:
  - type: Documentation
    url: https://financialdataexchange.org
- name: FDX Insurance API
  description: RESTful endpoints for retrieving insurance policy information including policy coverage details, premium schedules,
    claims history, and beneficiary data under the FDX insurance data cluster.
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://financialdataexchange.org
  baseURL: https://api.financialdataexchange.org
  tags:
  - Insurance
  - Policy
  - Coverage
  - Claims
  properties:
  - type: Documentation
    url: https://financialdataexchange.org
- name: FDX Tax API
  description: RESTful endpoints for retrieving consumer tax data including tax document metadata and structured tax form
    data (1099s, W-2s, and related forms) as defined by the FDX US Tax Data specification and the CSDF Consensus Standard
    Data Format.
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://financialdataexchange.org
  baseURL: https://api.financialdataexchange.org
  tags:
  - Tax Data
  - 1099
  - W-2
  - Tax Documents
  properties:
  - type: Documentation
    url: https://financialdataexchange.org
- name: FDX Payroll API
  description: RESTful endpoints introduced in FDX API v6.0 for retrieving permissioned payroll data including employment
    records, pay stubs, income verification, and direct deposit details, supporting lending and personal financial management
    use cases.
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://financialdataexchange.org
  baseURL: https://api.financialdataexchange.org
  tags:
  - Payroll
  - Income Verification
  - Employment
  - Pay Stubs
  properties:
  - type: Documentation
    url: https://financialdataexchange.org
- name: FDX Consent API
  description: RESTful endpoints implementing the FDX Consent API Behavioral Specification for managing user permissions and
    consent events. Enables data recipients to initiate consent, query active consent grants, update scope, and handle consent
    revocation in compliance with CFPB Section 1033 requirements.
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://financialdataexchange.org
  baseURL: https://api.financialdataexchange.org
  tags:
  - Consent Management
  - Authorization
  - CFPB 1033
  - Data Access
  - Permissioning
  properties:
  - type: Documentation
    url: https://financialdataexchange.org
- aid: fdx:fdx-account-information-api
  name: Financial Data Exchange (FDX) Account Information API
  description: Search and view customer accounts
  humanURL: https://financialdataexchange.org
  baseURL: https://api.financialdataexchange.org
  tags:
  - Account Information
  properties:
  - type: OpenAPI
    url: openapi/fdx-account-information-api-openapi.yml
  - type: Documentation
    url: https://financialdataexchange.org
  - type: GraphQL
    url: graphql/fdx-graphql.md
- aid: fdx:fdx-account-statements-api
  name: Financial Data Exchange (FDX) Account Statements API
  description: Search and retrieve account statements
  humanURL: https://financialdataexchange.org
  baseURL: https://api.financialdataexchange.org
  tags:
  - Account Statements
  properties:
  - type: OpenAPI
    url: openapi/fdx-account-statements-api-openapi.yml
  - type: Documentation
    url: https://financialdataexchange.org
  - type: GraphQL
    url: graphql/fdx-graphql.md
- aid: fdx:fdx-account-transactions-api
  name: Financial Data Exchange (FDX) Account Transactions API
  description: Search and view account transactions
  humanURL: https://financialdataexchange.org
  baseURL: https://api.financialdataexchange.org
  tags:
  - Account Transactions
  properties:
  - type: OpenAPI
    url: openapi/fdx-account-transactions-api-openapi.yml
  - type: Documentation
    url: https://financialdataexchange.org
  - type: GraphQL
    url: graphql/fdx-graphql.md
- aid: fdx:fdx-asset-transfer-networks-information-api
  name: Financial Data Exchange (FDX) Asset Transfer Networks Information API
  description: Search and view asset transfer networks networks
  humanURL: https://financialdataexchange.org
  baseURL: https://api.financialdataexchange.org
  tags:
  - Asset Transfer Networks Information
  properties:
  - type: OpenAPI
    url: openapi/fdx-asset-transfer-networks-information-api-openapi.yml
  - type: Documentation
    url: https://financialdataexchange.org
  - type: GraphQL
    url: graphql/fdx-graphql.md
- aid: fdx:fdx-payment-networks-information-api
  name: Financial Data Exchange (FDX) Payment Networks Information API
  description: Search and view account payment networks
  humanURL: https://financialdataexchange.org
  baseURL: https://api.financialdataexchange.org
  tags:
  - Payment Networks Information
  properties:
  - type: OpenAPI
    url: openapi/fdx-payment-networks-information-api-openapi.yml
  - type: Documentation
    url: https://financialdataexchange.org
  - type: GraphQL
    url: graphql/fdx-graphql.md
- aid: fdx:fdx-personal-information-api
  name: Financial Data Exchange (FDX) Personal Information API
  description: Search and view customer or customers
  humanURL: https://financialdataexchange.org
  baseURL: https://api.financialdataexchange.org
  tags:
  - Personal Information
  properties:
  - type: OpenAPI
    url: openapi/fdx-personal-information-api-openapi.yml
  - type: Documentation
    url: https://financialdataexchange.org
  - type: GraphQL
    url: graphql/fdx-graphql.md
common:
- type: AgenticAccess
  url: agentic-access/fdx-agentic-access.yml
- type: DomainSecurity
  url: security/fdx-domain-security.yml
- type: Authentication
  url: authentication/fdx-authentication.yml
- type: OAuthScopes
  url: scopes/fdx-scopes.yml
- type: Website
  url: https://financialdataexchange.org
- type: Documentation
  url: https://financialdataexchange.org
- type: DeveloperPortal
  url: https://developer.financialdataexchange.org
- type: OnboardingPortal
  url: https://onboarding.financialdataexchange.org
- type: Registry
  url: https://registry.financialdataexchange.org
- type: Blog
  url: https://financialdataexchange.org/fdx-feed/
- type: Membership
  url: https://financialdataexchange.org/about-fdx/
- type: GitHubOrg
  url: https://github.com/plaid/core-exchange
- type: LinkedIn
  url: https://www.linkedin.com/company/financialdataexchange
- type: X
  url: https://x.com/fdxapi
- type: YouTube
  url: https://www.youtube.com/@financialdataexchange
- type: PrivacyPolicy
  url: https://financialdataexchange.org/privacy-policy/
- type: TermsOfService
  url: https://financialdataexchange.org/terms-of-use/
- type: LicenseAgreement
  url: https://financialdataexchange.org/fdx-api-license-agreement/
- type: Authentication
  url: https://financialdataexchange.org
- type: Plans
  url: plans/fdx-plans-pricing.yml
- type: RateLimits
  url: rate-limits/fdx-rate-limits.yml
- type: FinOps
  url: finops/fdx-finops.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com