{"links":{"self":"https://petition.parliament.uk/petitions/776167.json"},"data":{"type":"petition","id":776167,"attributes":{"action":"Require FCA-regulated Open Banking providers to offer personal-use data-access","background":"Open Banking rules let banks share account data with FCA-authorised companies, but most only offer this to businesses, not individuals. We ask the Government to require FCA-authorised Account Information Service Providers to offer an Applicant Programming Interface (API) for personal-use tier.","additional_details":"Open Banking regulation was meant to give consumers control of their own financial data, but live access is provided to business only, often requiring £100+/month with Know Your Customer (KYC) checks individuals cannot meet. Some banks offer no personal API at all, even to premium customers. We believe this stops ordinary people using their own data-access rights for personal budgeting or tracking tools. We want FCA-authorised providers to be required to offer low-barrier (i.e. cost) API access for individuals, separate from business pricing.","committee_note":"","state":"open","signature_count":19,"closing_date":"2027-02-14","created_at":"2026-07-05T18:47:21.999Z","updated_at":"2026-08-15T22:34:10.000Z","rejected_at":null,"opened_at":"2026-08-14T12:42:49.148Z","closed_at":null,"moderation_threshold_reached_at":"2026-07-06T08:04:20.000Z","response_threshold_reached_at":null,"government_response_at":null,"debate_threshold_reached_at":null,"debate_scheduled_on":null,"scheduled_debate_date":null,"debate_outcome_at":null,"creator_name":"Robert Elmes","rejection":null,"government_response":null,"debate":null,"departments":[{"acronym":"HMT","name":"HM Treasury","url":"https://www.gov.uk/government/organisations/hm-treasury"}],"topics":[],"signatures_by_country":[{"name":"United Kingdom","code":"GB","signature_count":19}],"signatures_by_constituency":[{"name":"Altrincham and Sale West","ons_code":"E14001065","mp":"Mr Connor Rand MP","signature_count":1},{"name":"Bournemouth West","ons_code":"E14001116","mp":"Jessica Toale MP","signature_count":1},{"name":"Brentwood and Ongar","ons_code":"E14001125","mp":"Alex Burghart MP","signature_count":1},{"name":"Corby and East Northamptonshire","ons_code":"E14001179","mp":"Lee Barron MP","signature_count":1},{"name":"Croydon West","ons_code":"E14001188","mp":"Sarah Jones MP","signature_count":1},{"name":"East Wiltshire","ons_code":"E14001217","mp":"Danny Kruger MP","signature_count":1},{"name":"Ellesmere Port and Bromborough","ons_code":"E14001222","mp":"Justin Madders MP","signature_count":1},{"name":"Kingswinford and South Staffordshire","ons_code":"E14001316","mp":"Mike Wood MP","signature_count":1},{"name":"New Forest West","ons_code":"E14001374","mp":"Rt Hon Sir Desmond Swayne MP","signature_count":2},{"name":"North West Hampshire","ons_code":"E14001403","mp":"Rt Hon Kit Malthouse MP","signature_count":1},{"name":"Portsmouth South","ons_code":"E14001432","mp":"Stephen Morgan MP","signature_count":1},{"name":"Swindon North","ons_code":"E14001536","mp":"Will Stone MP","signature_count":1},{"name":"Windsor","ons_code":"E14001588","mp":"Jack Rankin MP","signature_count":6}],"signatures_by_region":[{"name":"North West","ons_code":"B","signature_count":2},{"name":"East Midlands","ons_code":"E","signature_count":1},{"name":"West Midlands","ons_code":"F","signature_count":1},{"name":"East of England","ons_code":"G","signature_count":1},{"name":"London","ons_code":"H","signature_count":1},{"name":"South East","ons_code":"J","signature_count":10},{"name":"South West","ons_code":"K","signature_count":3}],"other_parliamentary_business":[]}}}