{"data":{"id":"us/12-cfr-1033.131","jurisdiction":"us","citation":"12 CFR 1033.131","heading":"Definitions.","body":"For purposes of this part, the following definitions apply:\nAuthorized third party means a third party that has complied with the authorization procedures described in § 1033.401.\nCard issuer is defined at § 1033.111(c)(2).\nConsensus standard means a standard that is adopted by a recognized standard setter and that continues to be maintained by that recognized standard setter.\nConsumer means a natural person. Trusts established for tax or estate planning purposes are considered natural persons for purposes of this definition. Consumer also includes guardians, trustees, custodians, or other similar natural persons acting on behalf of a consumer pursuant to State law.\nConsumer interface means an interface through which a data provider receives requests for covered data and makes available covered data in an electronic form usable by consumers in response to the requests.\nCovered consumer financial product or service is defined at § 1033.111(b).\nCovered data is defined at § 1033.211.\nData aggregator means a person that is retained by and provides services to the authorized third party to enable access to covered data.\nData provider is defined at § 1033.111(c).\nDepository institution means any depository institution as defined by the Federal Deposit Insurance Act, 12 U.S.C. 1813(c)(1), or any credit union as defined by 12 CFR 700.2.\nDeveloper interface means an interface through which a data provider receives requests for covered data and makes available covered data in an electronic form usable by authorized third parties in response to the requests.\nFinancial institution is defined at § 1033.111(c)(1).\nRecognized standard setter means a standard-setting body that has been recognized by the CFPB under § 1033.141.\nRegulation E account is defined at § 1033.111(b)(1).\nRegulation Z credit card is defined at § 1033.111(b)(2).\nThird party means any person that is not the consumer about whom the covered data pertains or the data provider that controls or possesses the consumer's covered data.","path":["Title 12—Banks and Banking","CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU","PART 1033—PERSONAL FINANCIAL DATA RIGHTS","Subpart A—General"],"source_url":"https://www.ecfr.gov/api/versioner/v1/full/2026-08-25/title-12.xml","current_through":"2026-08-25","vintage":"","retrieved_at":"2026-08-27T02:24:16Z","sha256":"3f774c56d30bed4ce4041b489173c70d76193c4e6c5f98aeef1090cdf8a6bd29","source_id":"us-cfr","stale":true,"prev":"us/12-cfr-1033.121","next":"us/12-cfr-1033.141"},"notice":"GroundRules: Original legal text. Not legal advice."}