(a) Requirement to maintain interfaces. A data provider subject to the requirements of this part must maintain a consumer interface and a developer interface. The consumer interface and the developer interface must satisfy the requirements set forth in this section. The developer interface must satisfy the additional requirements set forth in § 1033.311.

(b) Machine-readable files upon request. Upon request for covered data in a machine-readable file, and subject to paragraphs (b)(1) and (2) of this section, a data provider must make available to a consumer or an authorized third party covered data in a file that is machine-readable and that the consumer or authorized third party can retain and transfer for processing into a separate information system that is reasonably available to and in the control of the consumer or authorized third party.

(1) Consumer interface. With respect to covered data provided through its consumer interface, a data provider is not required to comply with:

(i) The requirements of this paragraph (b) for the covered data described in § 1033.211(c) (payment initiation information) and (f) (account verification information); and

(ii) The requirement of this paragraph (b) to provide in a file that is machine-readable the covered data described in § 1033.211(d) (terms and conditions).

(2) Developer interface. With respect to covered data provided through its developer interface, a data provider satisfies the requirements of this paragraph (b) if it makes available covered data in a form that satisfies the requirements of § 1033.311(b).

(c) Fees prohibited. A data provider must not impose any fees or charges on a consumer or an authorized third party in connection with:

(1) Interfaces. Establishing or maintaining the interfaces required by paragraph (a) of this section; or

(2) Requests. Receiving requests or making available covered data in response to requests as required by this part.