Financial Data Exchange (FDX)

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.
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
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 Accounts API
  description: RESTful endpoints for retrieving consumer deposit, loan, investment, and insurance account details including
    account numbers, balances, account holder identity, and account metadata. Supports the full FDX account data cluster across
    all account types recognized by the standard.
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://financialdataexchange.org
  baseURL: https://api.financialdataexchange.org
  tags:
  - Accounts
  - Deposit Accounts
  - Loan Accounts
  - Account Balances
  - Account Holder
  properties:
  - type: Documentation
    url: https://financialdataexchange.org
  - type: OpenAPI
    url: https://github.com/plaid/core-exchange
  - url: graphql/fdx-graphql.md
    type: GraphQL
- 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
common:
- 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