{"abstract":"The Consumer Financial Protection Bureau (CFPB) is issuing a final rule to carry out the personal financial data rights established by the Consumer Financial Protection Act of 2010 (CFPA). The final rule requires banks, credit unions, and other financial service providers to make consumers' data available upon request to consumers and authorized third parties in a secure and reliable manner; defines obligations for third parties accessing consumers' data, including important privacy protections; and promotes fair, open, and inclusive industry standards.","action":"Final rule.","agencies":[{"raw_name":"Consumer Financial Protection Bureau","name":"Consumer Financial Protection Bureau","id":573,"url":"https://www.federalregister.gov/agencies/consumer-financial-protection-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/573","parent_id":null,"slug":"consumer-financial-protection-bureau"}],"body_html_url":"https://www.federalregister.gov/documents/full_text/html/2024/11/18/2024-25079.html","cfr_references":[{"chapter":null,"citation_url":null,"part":"1001","title":12},{"chapter":null,"citation_url":null,"part":"1033","title":12}],"citation":"89 FR 90838","comment_url":null,"comments_close_on":null,"correction_of":null,"corrections":[],"dates":"This final rule is effective January 17, 2025.","disposition_notes":null,"docket_ids":["Docket No. CFPB-2023-0052"],"dockets":[{"supporting_documents":[{"title":"cfpb_1033-data-rights-rule-sbrefa-panel-report_2023-03","document_id":"CFPB-2023-0052-0002"}],"agency_name":"CFPB","documents":[{"comment_count":0,"comment_start_date":"2024-11-18","updated_at":"2024-11-18T09:58:11.625-05:00","comment_url":"https://www.regulations.gov/commenton/CFPB-2023-0052-11149","allow_late_comments":false,"id":"CFPB-2023-0052-11149","comment_end_date":null,"regulations_dot_gov_open_for_comment":false}],"supporting_documents_count":1,"id":"CFPB-2023-0052","title":"Required Rulemaking on Personal Financial Data Rights"}],"document_number":"2024-25079","effective_on":"2025-01-17","end_page":90998,"executive_order_notes":null,"executive_order_number":null,"explanation":null,"full_text_xml_url":"https://www.federalregister.gov/documents/full_text/xml/2024/11/18/2024-25079.xml","html_url":"https://www.federalregister.gov/documents/2024/11/18/2024-25079/required-rulemaking-on-personal-financial-data-rights","images":{"ER18NO24.001":{"large":"https://img.federalregister.gov/ER18NO24.001/ER18NO24.001_large.png","medium":"https://img.federalregister.gov/ER18NO24.001/ER18NO24.001_medium.png","original_size":"https://img.federalregister.gov/ER18NO24.001/ER18NO24.001_original_size.png"},"ER18NO24.002":{"large":"https://img.federalregister.gov/ER18NO24.002/ER18NO24.002_large.png","medium":"https://img.federalregister.gov/ER18NO24.002/ER18NO24.002_medium.png","original_size":"https://img.federalregister.gov/ER18NO24.002/ER18NO24.002_original_size.png"},"ER18NO24.000":{"large":"https://img.federalregister.gov/ER18NO24.000/ER18NO24.000_large.png","medium":"https://img.federalregister.gov/ER18NO24.000/ER18NO24.000_medium.png","original_size":"https://img.federalregister.gov/ER18NO24.000/ER18NO24.000_original_size.png"}},"images_metadata":{"ER18NO24.001":{"large":{"identifier":"ER18NO24.001","content_type":"image/png","size":22070,"width":823,"sha":"ef4ab0f26e60dff9890dc46007037e93","url":"https://img.federalregister.gov/ER18NO24.001/ER18NO24.001_large.png","height":232},"medium":{"identifier":"ER18NO24.001","content_type":"image/png","size":10097,"width":518,"sha":"8714dd2084272c31311c47d1c48ffde5","url":"https://img.federalregister.gov/ER18NO24.001/ER18NO24.001_medium.png","height":146},"original_size":{"identifier":"ER18NO24.001","content_type":"image/png","size":205273,"width":3907,"sha":"87e29cb2114da92cdc963743b7f4bd36","url":"https://img.federalregister.gov/ER18NO24.001/ER18NO24.001_original_size.png","height":1102}},"ER18NO24.002":{"large":{"identifier":"ER18NO24.002","content_type":"image/png","size":46220,"width":823,"sha":"0efb3f9645079d3bf8f07d0a9de969fd","url":"https://img.federalregister.gov/ER18NO24.002/ER18NO24.002_large.png","height":751},"medium":{"identifier":"ER18NO24.002","content_type":"image/png","size":23950,"width":517,"sha":"1780bb4f6dcd48b84bf1aff8c0ae8fab","url":"https://img.federalregister.gov/ER18NO24.002/ER18NO24.002_medium.png","height":472},"original_size":{"identifier":"ER18NO24.002","content_type":"image/png","size":220143,"width":3901,"sha":"c42f6d8b6df9b945f67f3aea60a4d735","url":"https://img.federalregister.gov/ER18NO24.002/ER18NO24.002_original_size.png","height":3560}},"ER18NO24.000":{"large":{"identifier":"ER18NO24.000","content_type":"image/png","size":159164,"width":823,"sha":"03561ec9f6f1d0896efabccb85f5338f","url":"https://img.federalregister.gov/ER18NO24.000/ER18NO24.000_large.png","height":1200},"medium":{"identifier":"ER18NO24.000","content_type":"image/png","size":49535,"width":485,"sha":"5a2bf2b060e7a208270dce1df9f34916","url":"https://img.federalregister.gov/ER18NO24.000/ER18NO24.000_medium.png","height":707},"original_size":{"identifier":"ER18NO24.000","content_type":"image/png","size":794424,"width":3659,"sha":"729638b2c5f3c94404fe95915798ce93","url":"https://img.federalregister.gov/ER18NO24.000/ER18NO24.000_original_size.png","height":5333}}},"json_url":"https://www.federalregister.gov/api/v1/documents/2024-25079?publication_date=2024-11-18","mods_url":"https://www.govinfo.gov/metadata/granule/FR-2024-11-18/2024-25079/mods.xml","not_received_for_publication":null,"page_length":161,"page_views":{"count":7989,"last_updated":"2026-05-29 12:15:10 -0400"},"pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-11-18/pdf/2024-25079.pdf","presidential_document_number":null,"proclamation_number":null,"public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-25079.pdf?1731678320","publication_date":"2024-11-18","raw_text_url":"https://www.federalregister.gov/documents/full_text/text/2024/11/18/2024-25079.txt","regulation_id_number_info":{"3170-AA78":{"issue":"202404","html_url":"https://www.federalregister.gov/regulations/3170-AA78/required-rulemaking-on-personal-financial-data-rights","title":"Required Rulemaking on Personal Financial Data Rights","xml_url":"http://www.reginfo.gov/public/do/eAgendaViewRule?pubId=202404&RIN=3170-AA78&operation=OPERATION_EXPORT_XML","priority_category":"Other Significant"}},"regulation_id_numbers":["3170-AA78"],"regulations_dot_gov_info":{"supporting_documents":[{"title":"cfpb_1033-data-rights-rule-sbrefa-panel-report_2023-03","document_id":"CFPB-2023-0052-0002"}],"regulatory_plan":{"html_url":"https://www.federalregister.gov/regulations/3170-AA78/required-rulemaking-on-personal-financial-data-rights","title":"Required Rulemaking on Personal Financial Data Rights"},"comments_count":0,"agency_id":"CFPB","comments_url":"https://www.regulations.gov/docketBrowser?rpp=50&so=DESC&sb=postedDate&po=0&dct=PS&D=CFPB-2023-0052","supporting_documents_count":1,"docket_id":"CFPB-2023-0052","document_id":"CFPB-2023-0052-11149","regulation_id_number":"3170-AA78","title":"Required Rulemaking on Personal Financial Data Rights","checked_regulationsdotgov_at":"2024-11-19T14:00:08Z"},"regulations_dot_gov_url":null,"significant":true,"signing_date":null,"start_page":90838,"subtype":null,"title":"Required Rulemaking on Personal Financial Data Rights","toc_doc":"Personal Financial Data Rights","toc_subject":null,"topics":["Banks, banking","Consumer protection","Credit","Credit unions","Electronic funds transfers","National banks","Privacy","Reporting and recordkeeping requirements","Savings associations","Voluntary standards"],"type":"Rule","volume":89}