generated: '2026-07-23'
method: searched
source: >-
  https://developer.truist.com/api/working-with-truist and
  https://truist-1132.my.site.com/truist/s/ ; Truist Developer Center statements
  that its Open Banking / FDX API is live over tokenized (OAuth) connections.
  No public OpenAPI is published, so standards are asserted from documented
  program claims, not derived from a spec.
standards:
  - id: fdx
    name: Financial Data Exchange (FDX) API
    conforms: true
    evidence: >-
      Truist Developer Center and Open Banking API Developer Portal state the
      FDX API is live for consumer-permissioned data sharing; description
      records FDX-aligned tokenized connections replacing credential sharing.
  - id: oauth2
    name: OAuth 2.0
    conforms: true
    evidence: >-
      Consumer data access uses tokenized (OAuth-based) connections rather than
      credential sharing, per the Open Banking data-access model.
  - id: cfpb-1033
    name: CFPB Section 1033 (Personal Financial Data Rights)
    conforms: partial
    evidence: >-
      Truist states it monitors and complies with evolving CFPB Section 1033
      personal-financial-data rules; rule is phasing in.
  - id: fapi
    name: Financial-grade API (FAPI)
    conforms: unknown
    evidence: No public spec or documented FAPI profile claim located.
  - id: rfc9457-problem-details
    name: RFC 9457 Problem Details
    conforms: unknown
    evidence: No public OpenAPI available to confirm error envelope.