Dodd-Frank Act Section 1033 and CFPB Personal Financial Data Rights Rule

Section 1033 gives consumers a right to access their financial account data. The CFPB's 2024 rule would require providers to share data through interfaces and would limit third parties' collection, use, and retention of that data to what the consumer requested. Compliance dates (originally April 1, 2026 to April 1, 2030) are stayed, and the CFPB opened a reconsideration (ANPR, Aug. 22, 2025).