The Financial Data Exchange (FDX) is a standard-setting organization operating in the United States and Canada, comprising over 200 member organizations, including depository and non-depository commercial entities, data providers, data recipients, data aggregators, service providers, consumer groups, and other stakeholders. FDX focuses on developing and promoting technical standards that facilitate secure and efficient sharing of consumer financial data, supporting the implementation of open banking initiatives.

In January 2025, the Consumer Financial Protection Bureau (CFPB) recognized FDX as a standard-setting body under its Personal Financial Data Rights rule. This recognition authorizes FDX to issue standards that financial institutions can adopt to comply with the CFPB's data-sharing requirements, which mandate that consumers have the right to access and transfer their personal financial data to other providers without fees.

As a recognized standard-setting body, FDX is expected to adhere to attributes such as openness, balanced decision-making, consensus, due process and appeals, and transparency in its operations. These principles ensure that the standards developed by FDX are fair, inclusive, and effective in promoting secure consumer data access and fostering competition within the financial services industry.