Regions Financial Corporation

Regions Financial Corporation is a member of the S&P 500 Index and one of the nation's largest full-service providers of consumer and commercial banking, wealth management, and mortgage products and services. Regions Bank is implementing open banking capabilities through a partnership with Axway's Amplify Open Banking solution, building APIs aligned to the Financial Data Exchange (FDX) standard to enable secure financial data sharing with fintech partners and third-party platforms. Regions joined FDX in 2021 and is targeting compliance with CFPB open banking rules by April 2027.

Regions Financial Corporation publishes 5 API contracts indexed on the APIs.io network, including regions-financial Account Information API, regions-financial Consent API, regions-financial Customer API, and 2 more. Tagged areas include Banking, Financial Services, Open Banking, FDX, and Consumer Banking.

The Regions Financial Corporation catalog on APIs.io includes 1 JSON-LD context and 2 Spectral governance rulesets.

Regions Financial Corporation’s developer surface includes authentication and 13 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

27.3/100 thin ▬ flat Agent 25/100 agent aware Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

AccessEnterpriseSelf serve

1 published contract

Banking Financial Services Open Banking FDX Consumer Banking Wealth Management Fortune 500

What this lets a business do 2

Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →

Payments & Card Management

BC-1340

Payments

POST /payments

Banking Customer Management

BC-1300

Customer

GET /customers/current

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 27.3/100 · thin

Contract Quality 9.9 / 19

Developer Ergonomics 1.8 / 15

Access Clarity 0.8 / 15

Operational Transparency 0.5 / 10

Contract Governance 2.5 / 9

Discoverability 4.6 / 8

Regulatory Posture 4.5 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 25/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 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

Delegated User Identity 6 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document

8 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Access Clarity scores 5.3 — up to +18.9 composite points
Developer Ergonomics scores 11.9 — up to +17.6 composite points
Operational Transparency scores 5.3 — up to +12.3 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/regions-financial/apis.yml: open an issue on github.com/api-evangelist/regions-financial to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
US Banks and Credit Unions (FDIC BankFind + NCUA insured credit unions)	regulated	36.4 (thin)	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Standards implemented 3

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

FDX

tagged — the provider's own APIs.json carries the standard as a tag; implementation not verified

OpenAPI

measured — observed by APIs.io (published)

OAuth 2.0

measured — observed by APIs.io (declared)

APIs 5

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

regions-financial Account Information API

Consumer and business account balances and details

regions-financial Consent API

Customer consent management for data sharing

regions-financial Customer API

Customer profile and identity

regions-financial Payments API

Payment initiation and status

regions-financial Transactions API

Account transaction history

Open Collections 6

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

Regions Open Banking Account Information API

OPEN COLLECTION

Regions Open Banking Account Information Consent API

OPEN COLLECTION

Regions Open Banking Account Information Customer API

OPEN COLLECTION

Regions Open Banking Account Information Payments API

OPEN COLLECTION

Regions Open Banking Account Information Transactions API

OPEN COLLECTION

Regions Open Banking API

OPEN COLLECTION

Regions Financial Corporation API pricing

Not yet checked against Regions Financial Corporation's own pricing page. Compiled by API Evangelist on 2026-05-05 from www.regions.com/; confirm before you rely on a figure.

Plan	Price
Contact Sales enterprise	—

Plan details, limits and sources →

Rate limits

Aggregator / customer-contract throttling: see Regions aggregator or treasury-management agreement varies

Compiled by API Evangelist, not yet checked against Regions Financial Corporation's documentation. Rate-limit details →

Pricing Plans 1

Published pricing tiers and plan structures.

Regions Financial Plans Pricing

1 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Regions Financial Rate Limits

1 limits

RATE LIMITS

Service Levels 1

Uptime the provider promises or reports, as SLA4OAI. Read from its own pages; APIs.io runs no monitors.

Regions Financial Corporation

SLA

FinOps 1

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

Regions Financial Finops

FINOPS

Semantic Vocabularies 1

JSON-LD contexts and semantic vocabularies used across these APIs.

Regions Financial Context

32 classes · 2 properties

JSON-LD

Spectral Rules 2

Spectral governance rulesets for linting and validating these APIs.

Regions Financial Corporation — jsonschema rules

5 rules · 3 warnings 2 info

SPECTRAL

Regions Financial Corporation API Rules

8 rules · 2 errors 6 warnings

SPECTRAL

JSON Schema 2

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

Account

8 properties

JSON SCHEMA

Transaction

12 properties

JSON SCHEMA

JSON Structure 2

JSON Structure definitions describing this provider's data shapes.

Regions Account Structure

0 properties

JSON STRUCTURE

Regions Transaction Structure

0 properties

JSON STRUCTURE

Examples 2

Example request and response payloads for these APIs.

Regions List Accounts Example

2 fields

EXAMPLE

Regions List Transactions Example

2 fields

EXAMPLE

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Regions Financial Authentication

oauth2 · 1 scheme

SECURITY

Regions Financial Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Regions Financial Scopes

4 scopes · authorizationCode

4 scopes

SCOPES

Agentic Access 1

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

Regions Financial Agentic Access

8 operations · 2 acting · 1 human-in-the-loop

8 operations · 2 acting

AGENTIC

Press 5

Recent news and press coverage referencing this provider.

Regions Says AI Lifts Productivity 20% as Loan Growth Cools

Regions Bank Taps IBM's AI to Power Next Generation ...

Regions Bank and CRE FinTech Blooma Collaborate to ...

Generative Artificial Intelligence: The Next Disruptive ...

Regions AI tool helps steer cross-selling

Resources

Documentation 1

Reference material describing how the API behaves

OpenAPI

OpenAPI

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

Design & Contract 1

Pagination, idempotency, versioning, errors, and events

Vocabulary

Vocabulary

Access & Security 3

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Authentication

Authentication

OAuthScopes

OAuthScopes

Operate 1

Status, limits, changes, and where to get help

RateLimits

RateLimits

Commercial 2

Pricing, plans, and the legal terms of use

Plans

Plans

FinOps

FinOps

Company 4

The organization behind the API

Website

Website

Website

Website

Website

Website

LinkedIn

Other 1

Properties that don't map to a standard resource type

CapabilityMap

CapabilityMap

Source (apis.yml)

aid: regions-financial
name: Regions Financial Corporation
specificationVersion: '0.23'
deliveryModel:
  model: unknown
  open_source: false
  commercial: false
  callable_host: false
  label: Delivery model not determined — needs a product licence on record
  confidence: low
  source:
  - openapi
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: enterprise
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  gated: none
  gated_source:
  - onboarding
  label: Enterprise · Self-serve signup
  confidence: medium
  source:
  - plans
  - authentication
  - security
  generated: '2026-11-06'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/regions-financial.png
url: https://raw.githubusercontent.com/api-evangelist/regions-financial/refs/heads/main/apis.yml
modified: '2026-05-19'
description: Regions Financial Corporation is a member of the S&P 500 Index and one of the nation's largest full-service providers
  of consumer and commercial banking, wealth management, and mortgage products and services. Regions Bank is implementing
  open banking capabilities through a partnership with Axway's Amplify Open Banking solution, building APIs aligned to the
  Financial Data Exchange (FDX) standard to enable secure financial data sharing with fintech partners and third-party platforms.
  Regions joined FDX in 2021 and is targeting compliance with CFPB open banking rules by April 2027.
apis:
- aid: regions-financial:regions-financial-account-information-api
  name: regions-financial Account Information API
  description: Consumer and business account balances and details
  humanURL: https://ir.regions.com/news-events/press-releases/news-details/2025/Enhancing-Customer-Control-of-Financial-Data-Regions-Bank-Selects-Axway-to-Accelerate-Open-Banking-Services/default.aspx
  baseURL: https://api.regions.com/v1
  tags:
  - Account Information
  properties:
  - type: OpenAPI
    url: openapi/regions-financial-account-information-api-openapi.yml
  - type: PressRelease
    url: https://ir.regions.com/news-events/press-releases/news-details/2025/Enhancing-Customer-Control-of-Financial-Data-Regions-Bank-Selects-Axway-to-Accelerate-Open-Banking-Services/default.aspx
- aid: regions-financial:regions-financial-consent-api
  name: regions-financial Consent API
  description: Customer consent management for data sharing
  humanURL: https://ir.regions.com/news-events/press-releases/news-details/2025/Enhancing-Customer-Control-of-Financial-Data-Regions-Bank-Selects-Axway-to-Accelerate-Open-Banking-Services/default.aspx
  baseURL: https://api.regions.com/v1
  tags:
  - Consent
  properties:
  - type: OpenAPI
    url: openapi/regions-financial-consent-api-openapi.yml
  - type: PressRelease
    url: https://ir.regions.com/news-events/press-releases/news-details/2025/Enhancing-Customer-Control-of-Financial-Data-Regions-Bank-Selects-Axway-to-Accelerate-Open-Banking-Services/default.aspx
- aid: regions-financial:regions-financial-customer-api
  name: regions-financial Customer API
  description: Customer profile and identity
  humanURL: https://ir.regions.com/news-events/press-releases/news-details/2025/Enhancing-Customer-Control-of-Financial-Data-Regions-Bank-Selects-Axway-to-Accelerate-Open-Banking-Services/default.aspx
  baseURL: https://api.regions.com/v1
  tags:
  - Customers
  tags_raw:
  - Customer
  properties:
  - type: OpenAPI
    url: openapi/regions-financial-customer-api-openapi.yml
  - type: PressRelease
    url: https://ir.regions.com/news-events/press-releases/news-details/2025/Enhancing-Customer-Control-of-Financial-Data-Regions-Bank-Selects-Axway-to-Accelerate-Open-Banking-Services/default.aspx
- aid: regions-financial:regions-financial-payments-api
  name: regions-financial Payments API
  description: Payment initiation and status
  humanURL: https://ir.regions.com/news-events/press-releases/news-details/2025/Enhancing-Customer-Control-of-Financial-Data-Regions-Bank-Selects-Axway-to-Accelerate-Open-Banking-Services/default.aspx
  baseURL: https://api.regions.com/v1
  tags:
  - Payments
  properties:
  - type: OpenAPI
    url: openapi/regions-financial-payments-api-openapi.yml
  - type: PressRelease
    url: https://ir.regions.com/news-events/press-releases/news-details/2025/Enhancing-Customer-Control-of-Financial-Data-Regions-Bank-Selects-Axway-to-Accelerate-Open-Banking-Services/default.aspx
- aid: regions-financial:regions-financial-transactions-api
  name: regions-financial Transactions API
  description: Account transaction history
  humanURL: https://ir.regions.com/news-events/press-releases/news-details/2025/Enhancing-Customer-Control-of-Financial-Data-Regions-Bank-Selects-Axway-to-Accelerate-Open-Banking-Services/default.aspx
  baseURL: https://api.regions.com/v1
  tags:
  - Transaction
  tags_raw:
  - Transactions
  properties:
  - type: OpenAPI
    url: openapi/regions-financial-transactions-api-openapi.yml
  - type: PressRelease
    url: https://ir.regions.com/news-events/press-releases/news-details/2025/Enhancing-Customer-Control-of-Financial-Data-Regions-Bank-Selects-Axway-to-Accelerate-Open-Banking-Services/default.aspx
common:
- type: Plans
  url: plans/regions-financial-plans-pricing.yml
- type: RateLimits
  url: rate-limits/regions-financial-rate-limits.yml
- type: FinOps
  url: finops/regions-financial-finops.yml
- type: CapabilityMap
  url: capabilities/regions-financial-capability-edges.yml
  name: Regions Financial Corporation Business Capability Map
- type: AgenticAccess
  url: agentic-access/regions-financial-agentic-access.yml
- type: DomainSecurity
  url: security/regions-financial-domain-security.yml
- type: Authentication
  url: authentication/regions-financial-authentication.yml
- type: OAuthScopes
  url: scopes/regions-financial-scopes.yml
- type: Website
  url: https://www.regions.com
- type: Website
  url: https://www.regions.com/personal-banking
- type: Website
  url: https://www.regions.com/commercial-banking
- type: LinkedIn
  url: https://www.linkedin.com/company/regions-financial-corporation
- type: OpenAPI
  url: https://raw.githubusercontent.com/api-evangelist/regions-financial/refs/heads/main/openapi/regions-open-banking-openapi.yml
- type: Vocabulary
  url: https://raw.githubusercontent.com/api-evangelist/regions-financial/refs/heads/main/vocabulary/regions-financial-vocabulary.yml
tags:
- Banking
- Financial Services
- Open Banking
- FDX
- Consumer Banking
- Wealth Management
- Fortune 500
tags_raw:
- Banking
- Financial Services
- Open Banking
- FDX
- Consumer Banking
- Wealth Management
- Fortune 500
- Financial-Services

Regions Financial Corporation API — frequently asked questions

Does Regions Financial Corporation have an API?

Yes. APIs.io lists 5 APIs from Regions Financial Corporation, including regions-financial Account Information API, regions-financial Consent API and regions-financial Customer API, and 2 more.

Is there an OpenAPI specification for the Regions Financial Corporation API?

Yes. APIs.io indexes 5 OpenAPI specifications for Regions Financial Corporation, each linked for download from this page.

How do I authenticate with the Regions Financial Corporation API?

Regions Financial Corporation documents its authentication (oauth2 · 1 scheme). The details are profiled on APIs.io as Regions Financial Authentication.

How much does the Regions Financial Corporation API cost?

APIs.io lists 1 pricing plan for Regions Financial Corporation, with each plan's price, limits and inclusions under Pricing on this page.

Is the Regions Financial Corporation API ready for AI agents?

Regions Financial Corporation has a Kin Score of 27.3 out of 100 (thin) and an Agent Readiness score of 24.6 (agent-aware), scored by API Evangelist on 2026-11-06.

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