#Open Banking Regulations in United States
Regulations applicable to financial institutions operating in United States
#Banks & Financial Institutions in United States
Open Banking in United States: FAQ
The United States doesn't have mandated Open Banking regulation, but has strong market-driven adoption. Companies like Plaid, MX, and Yodlee provide bank connectivity, and the CFPB is developing rules under Section 1033 of the Dodd-Frank Act to formalize data sharing rights.
The table above lists all banks and financial institutions in United States tracked by Open Banking Tracker, along with their API availability, sandbox status, and compliance information. Banks with a "Developer Portal" link offer documented APIs for third-party integration.
The easiest way to connect to banks in United States is through an API aggregator like Plaid, Tink, TrueLayer, or other providers that offer coverage in this market. These aggregators provide a single integration point to access multiple banks. Alternatively, you can integrate directly with individual bank APIs through their developer portals.
Regulations vary by country. Check our Open Banking Regulations page for detailed information about the regulatory framework in United States and applicable compliance requirements.