Fintech Toolkit · Open Banking Dashboard

Open Banking / Section 1033 Compliance Toolkit

A 13-module operator dashboard for fintech open-banking compliance under CFPB Section 1033. Programme framework, covered persons / data providers, authorised third parties, consumer-data rights, technical interface standards, security and authentication, fee restrictions, complaint resolution, vendor / aggregator co-ordination, examination readiness. Single HTML. Runs offline. Owned forever.

"Section 1033 is the regulatory architecture for open banking in the US. The compliance posture splits into 'data provider' and 'authorised third party' depending on which side of the API you're on. Both sides have obligations; both have penalties for failing them."

What's inside

Programme Framework

CFPB Section 1033 · Personal Financial Data Rights · roles

Role Test Calculator

Live JS · data provider vs authorised TP vs both

Data Provider Obligations

Provide data on request · format · scope · timeliness

Authorised Third Party

Authorisation · scope · purpose limits · re-authorisation

Consumer Authorisation

Granular consent · revocation · plain-language disclosure

Technical Standards

API · FAPI / OAuth · data formats · uptime

Security Standards

Authentication · encryption · MFA · breach notification

Fee Restrictions

No fees on consumer · limited cost-recovery · UDAAP

Complaint Resolution

CFPB portal · response SLAs · investigation

Aggregator Co-ordination

Plaid · MX · Finicity · contractual oversight

Use Limitations

Permissible uses · prohibited targeted advertising · data minimisation

Examination Readiness

CFPB exam · API logs · authorisation records · uptime

Committee Charter

CCO chair · CISO · CTO · Product · cadence · authority

Built for

CCOs at fintechs subject to Section 1033 as data providers (depository institutions, card issuers, etc.)
Compliance leads at fintechs that consume customer data as authorised third parties
Heads of Product / Engineering building open-banking APIs
External counsel and consumer-finance consultants
Aggregators (Plaid, MX, Finicity, etc.) building Section 1033-compliant flows

Format + licence

Single HTML file. Runs offline. Editable. Print-friendly.
1 working JS calculator (Section 1033 role test).
Single-organisation licence. Methodology output yours to keep.
14-day satisfaction guarantee.

Owned forever · paid once

$497 USD

Buy now · $497

Stripe checkout. Single HTML file emailed within 1 business hour.

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