TIAA

TIAA (Teachers Insurance and Annuity Association of America) is a leading provider of financial services in the academic, research, medical, cultural, and government fields. Originally founded to provide retirement security for educators, TIAA now offers retirement services, insurance, brokerage, and investment management products to individuals and institutions. TIAA operates a developer portal at developer.tiaa.org exposing APIs for financial data aggregation (FDX standard), secure income account management, and gateway integrations enabling plan portability and fintech connectivity.

TIAA publishes 9 APIs on the APIs.io network, including Accounts API, Contributions API, Customer API, and 6 more. Tagged areas include Finance, Financial Data, Fintech, Insurance, and Investment Management.

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

TIAA’s developer surface includes authentication, developer portal, documentation, engineering blog, and 11 more developer resources.

🌐 Visit website 📡 Source on GitHub

38.7/100 thin ▬ flat Agent 29/100 agent aware Full breakdown ↓
scored 2026-08-20 · rubric v0.12.0

AccessEnterpriseSelf serve

11 APIs

Finance Financial Data Fintech Insurance Investment Management Retirement Wealth Management Fortune 100

Kin Score

Kin Score How this is scored →
scored 2026-08-20 · rubric v0.12.0

Composite quality — 38.7/100 · thin

Contract Quality 13.5 / 21

Developer Ergonomics 3.6 / 17

Access Clarity 4.0 / 17

Operational Transparency 0.6 / 11

Contract Governance 1.0 / 10

Discoverability 6.3 / 9

Regulatory Posture 8.6 / 15

Agent readiness — 29/100 · 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

Regulatory Posture applies to this provider. Its tags matched the Insurance 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.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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/tiaa: 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 11

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

Open Collections 12

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

Rate Limits 1

Documented rate limits and quota policies.

Tiaa Rate Limits

1 limits

RATE LIMITS

FinOps 1

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

JSON Schema 2

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

Examples 4

Example request and response payloads for these APIs.

Scopes 1

OAuth scopes governing access to this provider's APIs.

Tiaa Scopes

8 scopes · authorizationCode/clientCredentials

8 scopes

SCOPES

Get Started 1

Portal, sign-up, and the first successful call

Portal

Portal

Documentation 3

Reference material describing how the API behaves

Documentation

Documentation

JSONSchema

JSONSchema

JSONSchema

JSONSchema

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

Design & Contract 1

Pagination, idempotency, versioning, errors, and events

JSONLD

JSONLD

Access & Security 3

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Authentication

Authentication

OAuthScopes

OAuthScopes

Commercial 2

Pricing, plans, and the legal terms of use

PrivacyPolicy

PrivacyPolicy

TermsOfService

TermsOfService

Company 4

The organization behind the API

Website

Website

Blog

Blog

LinkedIn

Twitter

Twitter

Source (apis.yml)

aid: tiaa
url: https://raw.githubusercontent.com/api-evangelist/tiaa/refs/heads/main/apis.yml
name: TIAA
description: TIAA (Teachers Insurance and Annuity Association of America) is a leading provider of financial services in the
  academic, research, medical, cultural, and government fields. Originally founded to provide retirement security for educators,
  TIAA now offers retirement services, insurance, brokerage, and investment management products to individuals and institutions.
  TIAA operates a developer portal at developer.tiaa.org exposing APIs for financial data aggregation (FDX standard), secure
  income account management, and gateway integrations enabling plan portability and fintech connectivity.
accessModel:
  pricing: enterprise
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Enterprise · Self-serve signup
  confidence: high
  source:
  - plans
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://www.tiaa.org/content/dam/prod/tiaa/images/tiaa-logo.svg
tags:
- Finance
- Financial Data
- Fintech
- Insurance
- Investment Management
- Retirement
- Wealth Management
- Fortune 100
created: '2024'
modified: '2026-05-19'
specificationVersion: '0.23'
apis:
- aid: tiaa:tiaa-gateway-api
  name: TIAA Gateway API
  description: The TIAA Gateway is a cloud-based API layer enabling product portability and interoperability across retirement
    ecosystem partners. It allows banking institutions, financial aggregators, and plan sponsor platforms to expose TIAA retirement
    account data within their own apps and experiences. The Gateway supports FDX, ACORD, and SPARK standards and has more
    than 10 external partners connected.
  image: https://www.tiaa.org/content/dam/prod/tiaa/images/tiaa-logo.svg
  humanURL: https://www.tiaa.org/public/pdf/t/tiaa-gateway-drives-product-portability.pdf
  baseURL: https://api.tiaa.org/gateway/v1
  tags:
  - Financial Data
  - Integration
  - Open Finance
  - Plan Portability
  - Retirement
  properties:
  - type: Documentation
    url: https://www.tiaa.org/public/pdf/t/tiaa-gateway-drives-product-portability.pdf
  - type: Portal
    url: https://developer.tiaa.org
- aid: tiaa:tiaa-payroll360-api
  name: TIAA Payroll360 API
  description: TIAA Payroll360 enables direct API connections between HR and payroll systems and TIAA's plan administration
    platform, automating deductions management, employer onboarding, and payroll data integrity. Supports SPARK 2.0 CR and
    TIAA-specific FLEX and OPS formats.
  image: https://www.tiaa.org/content/dam/prod/tiaa/images/tiaa-logo.svg
  humanURL: https://developer.tiaa.org/public/payroll360
  baseURL: https://api.tiaa.org/payroll360/v1
  tags:
  - HR
  - Payroll
  - Plan Administration
  - Retirement
  - Spark
  tags_raw:
  - HR
  - Payroll
  - Plan Administration
  - Retirement
  - SPARK
  properties:
  - type: Documentation
    url: https://developer.tiaa.org/public/payroll360
- aid: tiaa:tiaa-accounts-api
  name: TIAA Accounts API
  description: Customer account information and balances
  humanURL: https://developer.tiaa.org/public/fdx
  baseURL: https://api.tiaa.org/fdx/v6
  tags:
  - Account
  tags_raw:
  - Accounts
  properties:
  - type: OpenAPI
    url: openapi/tiaa-accounts-api-openapi.yml
  - type: Documentation
    url: https://developer.tiaa.org/public/fdx
  - type: Authentication
    url: https://developer.tiaa.org/public/fdx#authentication
  - type: Documentation
    url: https://developer.tiaa.org/public/sia
  - type: Authentication
    url: https://developer.tiaa.org/public/sia#authentication
- aid: tiaa:tiaa-contributions-api
  name: TIAA Contributions API
  description: Contribution and allocation management
  humanURL: https://developer.tiaa.org/public/fdx
  baseURL: https://api.tiaa.org/fdx/v6
  tags:
  - Contributions
  properties:
  - type: OpenAPI
    url: openapi/tiaa-contributions-api-openapi.yml
  - type: Documentation
    url: https://developer.tiaa.org/public/fdx
  - type: Authentication
    url: https://developer.tiaa.org/public/fdx#authentication
  - type: Documentation
    url: https://developer.tiaa.org/public/sia
  - type: Authentication
    url: https://developer.tiaa.org/public/sia#authentication
- aid: tiaa:tiaa-customer-api
  name: TIAA Customer API
  description: Customer profile and identity
  humanURL: https://developer.tiaa.org/public/fdx
  baseURL: https://api.tiaa.org/fdx/v6
  tags:
  - Customers
  tags_raw:
  - Customer
  properties:
  - type: OpenAPI
    url: openapi/tiaa-customer-api-openapi.yml
  - type: Documentation
    url: https://developer.tiaa.org/public/fdx
  - type: Authentication
    url: https://developer.tiaa.org/public/fdx#authentication
  - type: Documentation
    url: https://developer.tiaa.org/public/sia
  - type: Authentication
    url: https://developer.tiaa.org/public/sia#authentication
- aid: tiaa:tiaa-investments-api
  name: TIAA Investments API
  description: Investment positions and holdings
  humanURL: https://developer.tiaa.org/public/fdx
  baseURL: https://api.tiaa.org/fdx/v6
  tags:
  - Investments
  properties:
  - type: OpenAPI
    url: openapi/tiaa-investments-api-openapi.yml
  - type: Documentation
    url: https://developer.tiaa.org/public/fdx
  - type: Authentication
    url: https://developer.tiaa.org/public/fdx#authentication
  - type: Documentation
    url: https://developer.tiaa.org/public/sia
  - type: Authentication
    url: https://developer.tiaa.org/public/sia#authentication
- aid: tiaa:tiaa-participants-api
  name: TIAA Participants API
  description: Participant account management
  humanURL: https://developer.tiaa.org/public/fdx
  baseURL: https://api.tiaa.org/fdx/v6
  tags:
  - Participants
  properties:
  - type: OpenAPI
    url: openapi/tiaa-participants-api-openapi.yml
  - type: Documentation
    url: https://developer.tiaa.org/public/fdx
  - type: Authentication
    url: https://developer.tiaa.org/public/fdx#authentication
  - type: Documentation
    url: https://developer.tiaa.org/public/sia
  - type: Authentication
    url: https://developer.tiaa.org/public/sia#authentication
- aid: tiaa:tiaa-plans-api
  name: TIAA Plans API
  description: Plan configuration and eligibility
  humanURL: https://developer.tiaa.org/public/fdx
  baseURL: https://api.tiaa.org/fdx/v6
  tags:
  - Plans
  properties:
  - type: OpenAPI
    url: openapi/tiaa-plans-api-openapi.yml
  - type: Documentation
    url: https://developer.tiaa.org/public/fdx
  - type: Authentication
    url: https://developer.tiaa.org/public/fdx#authentication
  - type: Documentation
    url: https://developer.tiaa.org/public/sia
  - type: Authentication
    url: https://developer.tiaa.org/public/sia#authentication
- aid: tiaa:tiaa-projections-api
  name: TIAA Projections API
  description: Income projections and illustrations
  humanURL: https://developer.tiaa.org/public/fdx
  baseURL: https://api.tiaa.org/fdx/v6
  tags:
  - Projections
  properties:
  - type: OpenAPI
    url: openapi/tiaa-projections-api-openapi.yml
  - type: Documentation
    url: https://developer.tiaa.org/public/fdx
  - type: Authentication
    url: https://developer.tiaa.org/public/fdx#authentication
  - type: Documentation
    url: https://developer.tiaa.org/public/sia
  - type: Authentication
    url: https://developer.tiaa.org/public/sia#authentication
- aid: tiaa:tiaa-tax-api
  name: TIAA Tax API
  description: Tax document and income data
  humanURL: https://developer.tiaa.org/public/fdx
  baseURL: https://api.tiaa.org/fdx/v6
  tags:
  - Tax
  properties:
  - type: OpenAPI
    url: openapi/tiaa-tax-api-openapi.yml
  - type: Documentation
    url: https://developer.tiaa.org/public/fdx
  - type: Authentication
    url: https://developer.tiaa.org/public/fdx#authentication
  - type: Documentation
    url: https://developer.tiaa.org/public/sia
  - type: Authentication
    url: https://developer.tiaa.org/public/sia#authentication
- aid: tiaa:tiaa-transactions-api
  name: TIAA Transactions API
  description: Account transaction history
  humanURL: https://developer.tiaa.org/public/fdx
  baseURL: https://api.tiaa.org/fdx/v6
  tags:
  - Transaction
  tags_raw:
  - Transactions
  properties:
  - type: OpenAPI
    url: openapi/tiaa-transactions-api-openapi.yml
  - type: Documentation
    url: https://developer.tiaa.org/public/fdx
  - type: Authentication
    url: https://developer.tiaa.org/public/fdx#authentication
  - type: Documentation
    url: https://developer.tiaa.org/public/sia
  - type: Authentication
    url: https://developer.tiaa.org/public/sia#authentication
common:
- type: AgenticAccess
  url: agentic-access/tiaa-agentic-access.yml
- type: DomainSecurity
  url: security/tiaa-domain-security.yml
- type: Authentication
  url: authentication/tiaa-authentication.yml
- type: OAuthScopes
  url: scopes/tiaa-scopes.yml
- type: Portal
  url: https://developer.tiaa.org
- type: Website
  url: https://www.tiaa.org
- type: Documentation
  url: https://developer.tiaa.org/public/fdx
- type: Blog
  url: https://www.tiaa.org/public/learn
- type: LinkedIn
  url: https://www.linkedin.com/company/tiaa
- type: Twitter
  url: https://twitter.com/tiaa
- type: PrivacyPolicy
  url: https://www.tiaa.org/public/pdf/t/privacy_notice.pdf
- type: TermsOfService
  url: https://www.tiaa.org/public/pdf/t/tiaa_website_terms_of_use.pdf
- type: JSONLD
  url: json-ld/tiaa-context.jsonld
- type: JSONSchema
  url: json-schema/tiaa-account-schema.json
- type: JSONSchema
  url: json-schema/tiaa-participant-schema.json
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com