FiDA · EU Financial Data Access · Open Finance · 2027+

FiDA Open Finance Data Access Scope Mapper

Map obligations under the proposed EU Financial Data Access Regulation (FiDA). Extends data sharing beyond payment accounts to mortgages, savings, investments, insurance, pensions, and crypto-assets. Assess in-scope data categories, customer permission model, FDSS participation, and API readiness.

FiDA Regulation Post-PSD3 FDSS Schemes Zero PII

🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only.

Panel 01Entity Profile
Panel 02FiDA Data Category Readiness

For each FiDA data category, select your readiness to share data via API. Categories shown by entity type — not-in-scope categories are informational only.

Panel 03API, FDSS & Legal Basis
FiDA Open Finance Scope
—
In-Scope Data Map
Data CategoryIn Scope for Entity TypeReadinessFiDA Article
Priority Actions & Gaps
AP2 Policy Mandate · CC BY 4.0 · Post Oak Labs

Regulatory Citations

[1]European Commission Proposal COM(2023) 360 — Financial Data Access (FiDA) Regulation. Extends open finance beyond PSD2 payment accounts to include mortgages, savings, investments, insurance, pensions, and crypto-assets. Under trilogue as of 2025.
[2]FiDA Articles 1–5 — Scope, data categories, and customer permission model (dashboard-based consent management). Data holders must share data via API within Financial Data Sharing Schemes (FDSS) upon customer permission. Timeline: 18 months after FDSS established.
[3]EBA Discussion Paper on FiDA implementation and FDSS scheme design — explores governance structures for FDSS, interoperability requirements, API standards (FAPI 2.0 recommended), and compensation frameworks for data holders.
[4]PSD3 Directive COM(2023) 366 — Companion regulation to FiDA extending and strengthening open banking under PSD2 frameworks. PSD3 expected to be transposed by 2027 with FiDA applying shortly thereafter.
[5]CFPB Section 1033 Rule (US) — US open banking parallel framework requiring financial institutions to provide consumer data access via API. Useful comparison for API design standards and permission management models applicable under FiDA.