Open Banking Regulations Directory

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Major Active Regulations

The most significant open banking frameworks currently in effect

PSD2

European Union

Active

The revised Payment Services Directive requires banks to provide account access to licensed third-party providers (TPPs) via secure APIs. It introduce...

AISPISCBPII

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UK Open Banking

United Kingdom

Active

The UK's CMA Order required the nine largest banks (CMA9) to implement open banking APIs. The OBIE developed standardized APIs and established the fra...

AISPISVRP

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Section 1033

United States

Upcoming

The CFPB's Section 1033 rule establishes consumer rights to access and share their financial data. It requires data providers to make consumer financi...

Deposit AccountsCredit CardsPayment Facilitation

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Key Upcoming Regulations

Important frameworks being implemented or proposed

PSD3

European Union

Upcoming

The proposed third Payment Services Directive aims to address shortcomings of PSD2, improve API performance standards, enhance fraud prevention, and e...

AISPISCBPIIOpen Finance

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FIDA

European Union

Upcoming

FIDA extends open banking principles beyond payment accounts to a wider range of financial products including mortgages, loans, savings, investments, ...

MortgagesLoansSavingsInvestments

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Canadian Open Banking

Canada

Upcoming

Canada's consumer-driven banking framework will require federally regulated financial institutions to implement secure data sharing APIs. After years ...

Deposit AccountsCredit CardsMortgagesLines of Credit

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All Regulations

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By Region

By Status

By Type

Regulation	Jurisdiction	Type	Status	Scope	Effective	View
PSD2Payment Services Directive 2	European UnionEurope	Payment Services	Active	AISPISCBPII	2018Full: 2019	View →
PSD3Payment Services Directive 3	European UnionEurope	Payment Services	Upcoming	AISPISCBPII+1	2026Full: 2027	View →
FIDAFinancial Data Access Regulation	European UnionEurope	Open Finance	Upcoming	MortgagesLoansSavings+3	2027Full: 2029	View →
UK Open BankingOpen Banking Implementation Entity (OBIE)	United KingdomEurope	Open Banking	Active	AISPISVRP	2018Full: 2019	View →
Smart Data SchemesUK Smart Data Roadmap	United KingdomEurope	Open Finance	Upcoming	PensionsSavingsInvestments+3	2025Full: 2027	View →
CDRConsumer Data Right	AustraliaOceania	Open Finance	Active	BankingEnergyTelecommunications+1	2020Full: 2022	View →
Open Finance BrasilBrazilian Open Finance	BrazilLatin America	Open Finance	Active	BankingInsurancePensions+4	2021Full: 2024	View →
Account AggregatorAccount Aggregator Framework	IndiaAsia	Open Finance	Active	BankingSecuritiesInsurance+2	2021Full: 2023	View →
SGFinDexSingapore Financial Data Exchange	SingaporeAsia	Open Finance	Active	BankingInsuranceInvestments+1	2020Full: 2021	View →
Open API FrameworkHong Kong Open API Framework	Hong KongAsia	Open Banking	Active	AISPIS	2019Full: 2022	View →
Open API BankingJapanese Banking Act Amendment	JapanAsia	Open Banking	Active	AISPIS	2018Full: 2020	View →
MyDataKorean MyData Framework	South KoreaAsia	Open Finance	Active	BankingInsuranceSecurities+2	2022Full: 2023	View →
Open Finance MexicoMexican Fintech Law - Open Finance	MexicoLatin America	Open Finance	Active	Aggregated DataTransactional DataOpen Data	2020Full: 2024	View →
Open Finance ColombiaColombian Open Finance Framework	ColombiaLatin America	Open Finance	Upcoming	BankingInsuranceSecurities	2025Full: 2026	View →
Fintech Law ChileChilean Fintech Law - Open Finance	ChileLatin America	Open Finance	Active	BankingInsuranceSecurities	2023Full: 2026	View →
Canadian Open BankingConsumer-Driven Banking Framework	CanadaNorth America	Open Banking	Upcoming	Deposit AccountsCredit CardsMortgages+1	2026Full: 2027	View →
Section 1033CFPB Section 1033 - Personal Financial Data Rights	United StatesNorth America	Open Banking	Upcoming	Deposit AccountsCredit CardsPayment Facilitation	2025Full: 2030	View →
Saudi Open BankingSaudi Arabia Open Banking Framework	Saudi ArabiaMiddle East	Open Banking	Active	AISPIS	2022Full: 2024	View →
AlTareq Open FinanceUAE AlTareq Open Finance Framework	United Arab EmiratesMiddle East	Open Finance	Active	AISPISBanking+2	2024Full: 2026	View →
Bahrain Open BankingBahrain Open Banking Framework	BahrainMiddle East	Open Banking	Active	AISPIS	2020Full: 2021	View →
Nigeria Open BankingNigerian Regulatory Framework for Open Banking	NigeriaAfrica	Open Banking	Active	AISPIS	2023Full: 2024	View →
South Africa Open BankingSA Open Finance Framework	South AfricaAfrica	Open Finance	Upcoming	BankingInsuranceInvestments	2026Full: 2028	View →
Kenya Open FinanceKenya Open Finance Policy	KenyaAfrica	Open Finance	Upcoming	BankingMobile MoneyInsurance	2025Full: 2027	View →
NZ CDRNew Zealand Customer and Product Data Bill	New ZealandOceania	Open Finance	Upcoming	BankingElectricityTelecommunications	2025Full: 2027	View →
Thailand Open BankingBank of Thailand Open Banking Guidelines	ThailandAsia	Open Banking	Active	AISPISPromptPay	2021Full: 2024	View →
Malaysia Open BankingOpen Banking Implementation Framework	MalaysiaAsia	Open Banking	Active	AISPISDuitNow	2022Full: 2025	View →
Philippines Open FinanceBSP Open Finance Framework	PhilippinesAsia	Open Finance	Upcoming	BankingE-MoneyInsurance	2025Full: 2027	View →
Indonesia Open BankingSNAP - Standard National Open API Payment	IndonesiaAsia	Open Banking	Active	AISPISQRIS	2022Full: 2025	View →
Taiwan Open BankingTaiwan Open Banking Framework	TaiwanAsia	Open Banking	Active	AISPISProduct Information	2019Full: 2023	View →
Swiss Open BankingSwiss Open Banking API Standards	SwitzerlandEurope	Open Banking	Active	AISPIS	2020	View →
eIDAS 2.0European Digital Identity Regulation	European UnionEurope	Digital Identity	Upcoming	Digital Identity WalletsIdentity VerificationElectronic Signatures	2024Full: 2026	View →
DORADigital Operational Resilience Act	European UnionEurope	Operational Resilience	Active	ICT Risk ManagementIncident ReportingThird-Party Risk	2023Full: 2025	View →
EU Instant Payments RegulationRegulation on Instant Credit Transfers in Euro	European UnionEurope	Payment Services	Active	Instant PaymentsSEPA Credit TransfersVerification of Payee	2024Full: 2025	View →

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Open Banking Regulations Directory

Browse 33+ open banking and open finance regulations worldwide. Filter by region, status, or type.

New to Open Banking Regulations?

Major Active Regulations

PSD2

UK Open Banking

Section 1033

Key Upcoming Regulations

PSD3

FIDA

Canadian Open Banking

All Regulations

Compare Regulations by Region

Related Resources

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