12 CFR § 1033.301 - General requirements.

---
identifier: "/us/cfr/t12/s1033.301"
source: "ecfr"
legal_status: "authoritative_unofficial"
title: "12 CFR § 1033.301 - General requirements."
title_number: 12
title_name: "Banks and Banking"
section_number: "1033.301"
section_name: "General requirements."
chapter_name: "CONSUMER FINANCIAL PROTECTION BUREAU"
part_number: "1033"
part_name: "PERSONAL FINANCIAL DATA RIGHTS"
positive_law: false
currency: "2026-04-05"
last_updated: "2026-04-05"
format_version: "1.1.0"
generator: "[email protected]"
authority: "12 U.S.C. 5512; 12 U.S.C. 5514; 12 U.S.C. 5533."
regulatory_source: "89 FR 90989, Nov. 18, 2024, unless otherwise noted."
cfr_part: "1033"
---


# 1033.301 General requirements.

(a) *Requirement to maintain interfaces.* A data provider subject to the requirements of this part must maintain a consumer interface and a developer interface. The consumer interface and the developer interface must satisfy the requirements set forth in this section. The developer interface must satisfy the additional requirements set forth in § 1033.311.

(b) *Machine-readable files upon request.* Upon request for covered data in a machine-readable file, and subject to paragraphs (b)(1) and (2) of this section, a data provider must make available to a consumer or an authorized third party covered data in a file that is machine-readable and that the consumer or authorized third party can retain and transfer for processing into a separate information system that is reasonably available to and in the control of the consumer or authorized third party.

(1) *Consumer interface.* With respect to covered data provided through its consumer interface, a data provider is not required to comply with:

(i) The requirements of this paragraph (b) for the covered data described in § 1033.211(c) (payment initiation information) and (f) (account verification information); and

(ii) The requirement of this paragraph (b) to provide in a file that is machine-readable the covered data described in § 1033.211(d) (terms and conditions).

(2) *Developer interface.* With respect to covered data provided through its developer interface, a data provider satisfies the requirements of this paragraph (b) if it makes available covered data in a form that satisfies the requirements of § 1033.311(b).

(c) *Fees prohibited.* A data provider must not impose any fees or charges on a consumer or an authorized third party in connection with:

(1) *Interfaces.* Establishing or maintaining the interfaces required by paragraph (a) of this section; or

(2) *Requests.* Receiving requests or making available covered data in response to requests as required by this part.