specification: FinOps Framework
specificationVersion: '1.0'
schema: https://www.finops.org/framework/
provider: TIAA-CREF
providerId: tiaa-cref
created: '2026-05-04'
# Provenance stamped 2026-08-11: this artifact was written by the API Evangelist
# bulk sweep dated 2026-05-04, not harvested from the provider. See roadmap#35.
method: generated
modified: '2026-05-05'
reconciled: false
tags:
  - Finance
  - Retirement
  - FinOps
  - FOCUS
description: 'FOCUS-aligned FinOps placeholder for TIAA-CREF: legacy brand of TIAA, with B2B partner-only
  programmatic access and no public rate card.'
sources:
  - https://www.tiaa.org/
  - https://focus.finops.org/focus-specification/v1-3/
notes: TIAA-CREF is the legacy brand for TIAA; FinOps shape mirrors the TIAA partner-contract model.
  No public usage-based rate card.
alignedWith:
  framework: FinOps Foundation Framework
  frameworkUrl: https://www.finops.org/framework/
  dataSpec: FOCUS
  dataSpecVersion: '1.3'
  dataSpecUrl: https://focus.finops.org/focus-specification/v1-3/
publisherName: Teachers Insurance and Annuity Association of America
serviceCategory: Financial Services
billingModel:
  pricingCategory: Contract / Bilateral
  billingFrequency: Per-Contract
  billingCurrency: USD
  chargeCategories:
    - Purchase
focusColumns:
  ServiceName: TIAA-CREF
  ServiceCategory: Financial Services
  ProviderName: TIAA-CREF
  PublisherName: Teachers Insurance and Annuity Association of America
  InvoiceIssuerName: Teachers Insurance and Annuity Association of America
  BillingCurrency: USD
meters:
  - name: contracted_partner_access
    unit: varies
    aggregation: sum
    dimensions:
      - api
      - partner
principles:
  - name: Visibility
    description: Rely on partner-portal usage statements TIAA issues under the contract; no public usage
      API.
  - name: Allocation
    description: Allocate the contract cost to the retirement-services or recordkeeping team that owns
      the TIAA-CREF integration.
  - name: Optimization
    description: Tune at integration design — batch participant data calls, cache static reference data,
      avoid duplicate plan submissions.
  - name: Accountability
    description: A named partnership owner is accountable for the TIAA-CREF agreement, scope, and renewal.
maintainers:
  - FN: Kin Lane
    email: kin@apievangelist.com