---
kind: "section"
citation: "12 C.F.R. § 1033.211"
title: "12"
number: "1033.211"
heading: "Covered data."
url: "https://uscodex.org/cfr/12/1033.211"
---

# §1033.211. Covered data.


Covered data in this part means, as applicable:

- (a) Transaction information, including historical transaction information in the control or possession of the data provider. A data provider is deemed to make available sufficient historical transaction information for purposes of [§ 1033.201(a)(1)](/cfr/12/1033.201.md?p=a-1) if it makes available at least 24 months of such information.

  Example 1 to [paragraph (a)](#a): This category includes amount, transaction date, payment type, pending or authorized status, payee or merchant name, rewards credits, and fees or finance charges.

- (b) **Account balance information.**
- (c) Information to initiate payment to or from a Regulation E account directly or indirectly held by the data provider. This category includes an account and routing number that can be used to initiate an Automated Clearing House transaction.
  - (1) In complying with its obligation under [§ 1033.201(a)(1)](/cfr/12/1033.201.md?p=a-1), a data provider is permitted to make available a tokenized account number instead of, or in addition to, a non-tokenized account number, as long as the tokenization is not used as a pretext to restrict competitive use of payment initiation information.
  - (2) This [paragraph (c)](#c) does not apply to data providers who do not directly or indirectly hold the underlying Regulation E account. For example, a data provider that merely facilitates pass-through payments would not be required to make available account and routing number for the underlying Regulation E account.
- (d) **Terms and conditions.** For purposes of this section, terms and conditions are limited to data in agreements evidencing the terms of the legal obligation between a data provider and a consumer for a covered consumer financial product or service, such data in the account opening agreement and any amendments or additions to that agreement, including pricing information.

  Example 2 to [paragraph (d)](#d): This category includes the applicable fee schedule, any annual percentage rate or annual percentage yield, credit limit, rewards program terms, whether a consumer has opted into overdraft coverage, and whether a consumer has entered into an arbitration agreement.

- (e) **Upcoming bill information.** Example 3 to [paragraph (e)](#e): This category includes information about third party bill payments scheduled through the data provider and any upcoming payments due from the consumer to the data provider.
- (f) Basic account verification information, which is limited to the name, address, email address, and phone number associated with the covered consumer financial product or service. If a data provider directly or indirectly holds a Regulation E or Regulation Z account belonging to the consumer, the data provider must also make available a truncated account number or other identifier for that account.

## Notes

### Authority

Authority: 12 U.S.C. 5512; 12 U.S.C. 5514; 12 U.S.C. 5533.

### Source

Source: 89 FR 90989, Nov. 18, 2024, unless otherwise noted.