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-productions.s3.amazonaws.com/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-productions.s3.amazonaws.com/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
  - 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-productions.s3.amazonaws.com/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-productions.s3.amazonaws.com/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-productions.s3.amazonaws.com/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-productions.s3.amazonaws.com/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-productions.s3.amazonaws.com/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-productions.s3.amazonaws.com/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: [email protected]