Resources
Explore official legislation, regulatory guidance, technical standards, privacy resources, cybersecurity information and educational material related to Consumer-Driven Banking in Canada.
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Begin with these plain-language guides before exploring the detailed official and technical resources.
Featured official resources
These four sources provide the clearest starting point for understanding Canada’s current legislative and regulatory model.
Consumer-Driven Banking Act
The official federal statute establishing the legal framework, participant obligations, consumer protections, supervisory powers and enforcement provisions.
Consumer-Driven Banking Regulations
Proposed regulations addressing accreditation, security, consent, authentication, reporting, records, technical standards and regulatory administration.
Consumer-Driven Banking Oversight
Information about the Bank of Canada’s role in administering the framework, supervising participants and developing supervisory expectations.
Canada’s Consumer-Driven Banking Framework
The Government of Canada’s overview of framework scope, governance, accreditation, common rules, technical standards and planned future development.
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Search by keyword or select a category to find government, regulatory, technical, privacy and educational resources.
Consumer-Driven Banking Act
Full federal legislation establishing Canada’s Consumer-Driven Banking Framework.
- Definitions
- Accreditation
- Consent
- Enforcement
Proposed Consumer-Driven Banking Regulations
Proposed operational requirements needed to support implementation and administration of the Act.
- Accreditation
- Security
- Reporting
- Standards
Consumer-Driven Banking Oversight
The central source for information about Bank of Canada supervision and implementation.
- Supervision
- Participants
- Readiness
- Updates
Canada’s Consumer-Driven Banking Framework
Government policy covering framework objectives, scope, governance and planned implementation.
- Governance
- Scope
- Accreditation
- Future phases
Consumer-Driven Banking Implementation
Government implementation materials, historical working-group information and related documents.
- Implementation
- Working groups
- Policy history
Consumer-Driven Banking Advisory Committee
Committee mandate, membership, meeting information and implementation discussion material.
- Industry advice
- Readiness
- Meetings
Open Banking and Consumer Information
Plain-language information about potential benefits, consumer protection and Canada’s planned framework.
- Consumers
- Benefits
- Protection
PIPEDA Fair Information Principles
The ten foundational principles governing collection, use, disclosure and access to personal information.
- Consent
- Safeguards
- Accountability
- Access
PIPEDA Requirements in Brief
An introductory overview of federal private-sector privacy obligations and applicability.
- PIPEDA
- Commercial activity
- Compliance
Cybersecurity Guidance
Canadian cybersecurity advice, technical guidance, threat information and protective practices.
- Cyber threats
- Security controls
- Guidance
FDX Financial Data Standard
Industry-led resources concerning interoperable, consumer-permissioned financial data sharing.
- FDX API
- Data model
- Interoperability
Financial-grade API Working Group
Specifications and working-group information for high-security API protection profiles built on OAuth.
- FAPI
- OAuth
- API security
FAPI 2.0 Security Profile
A finalized OAuth-based security profile intended for APIs handling high-value and sensitive information.
- OAuth 2.0
- Security profile
- High-value APIs
OpenID Conformance Testing
Testing and certification resources for checking implementations against mature OpenID standards.
- Testing
- Certification
- Interoperability
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Follow a suggested sequence based on what you want to understand or accomplish.
For consumers
- FCAC consumer overview
- Security & Privacy guide
- PIPEDA privacy principles
- Consumer-Driven Banking Act
For financial institutions
- Government framework
- Consumer-Driven Banking Act
- Proposed regulations
- Bank of Canada oversight
For developers
- FDX financial data standard
- FAPI Working Group
- FAPI 2.0 Security Profile
- OpenID conformance testing
For security and privacy teams
- PIPEDA principles
- Cyber Centre guidance
- Proposed regulations
- FAPI security resources