Page Comparison

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panel

Panel

titleColor	Black
borderStyle	dashed
title	OB Standards

details

This Section applies to ASPSPs that have impletemented OB Standards

Info

icon	false
id	Standards-Production

Implement Open Data v2.2

N/A

Implement Read/Write API Specification v3.1

14/09/2019 -AIS

15/05/2020 -PIS

Implement Customer Experience Guidelines v1.1

Yes

Implement App-to-App Redirection

N/A

Implement OB Security Profile Implementer's Draft v1.1.2

N/A

Implement FAPI Profile Implementers Draft 2

Implement CIBA Profile Implementers Draft 1

N/A

Implement Dynamic Client Registration v1.1

N/A

Implement Dynamic Client Registration v3.1

N/A

Decommission Read/Write API Specification v1.x/2.x

N/A

Decommission OB Security Profile Implementer's Draft v1.x

N/A

Have you Implemented OB Standards?	Yes No
Open Data - Which version have you Implemented?	None V2.2 V2.3 V2.4
Read/Write API Specification Implemented or planning to implement (Lowest version = Current, Highest version = Planned)	V3.0 V3.1 V3.1.1 V3.1.2 V3.1.3 V3.1.4 V3.1.5 V3.1.6 V3.1.7 V3.1.8
Read/Write API - Which date are you planning to implement your latest version?
Dynamic Client Registration - Which version have you Implemented or planning to implement? (Lowest version = Current, Highest version = Planned)	None V3.1 V3.2 V3.3
DCR - Which date are you planning to implement your latest version?
Have you implemented Trusted beneficiaries, if not date planned to Implement?	Already Implemented Planning to implement Not planning to implement
Have you implemented Reverse Payments, if not date planned to Implement?	Already Implemented Planning to implement Not planning to implement
PISP - Single Payment Limit	£
PISP - Daily Payment Limit	£
How many months of transaction do you provide?

Panel

titleColor	Black
borderStyle	dashed
title	Method of IdentificationSecurity Profile

Page Properties

id	ID-Production

Commence support for eIDAS QWAC certificates

14/09/2019

Commence support for eIDAS QSEAL certificates

Commence support for OBIE QWAC-like certificates

N/A

Commence support for OBIE QSEAL-like certificates

N/A

Cease support for OBIE non eIDAS-like certificates for transport

N/A

Cease support for OBIE non eIDAS-like certificates for signing

N/A

Support for MTLS token endpoint authentication

Support for private_key_jwt token endpoint authentication

Which Security profile have you Implemented or planning to implement? (Lowest version = Current, Highest version = Planned)	OB Security Profile (Legacy) FAPI Other (Please define)
Security Profile - Next Planned Version Implementation Date
CIBA Profile - Implemented or planning to implement (Lowest version = Current, Highest version = Planned)	None CIBA CIBA FAPI Profile
CIBA Profile - Next Planned Version Implementation Date
Security Profile Certification date?
Token Endpoint Authentication Methods Supported	client_secret_post client_secret_basic client_secret_jwt tls_client_auth Private_key_jwt
Planned date to Cease support for client id and client secret token endpoint authentication

#6180c3

Panel

titleColor

White

titleBGColor

borderStyle	dashed
title	Post Brexit Certificate Implementation

Page Properties

id	Standards-Production

PRE-BREXIT - Certificates Accepted (until 31st Dec 2020)	eIDAS QWAC eIDAS QSealC OB legacy (obtransport, obsigning) OBWAC OBSeal Other (Please define)	POST-BREXIT TRANSITION - Certificates Accepted (1st Jan 2021 - 30th Jun 2021)	eIDAS QWAC eIDAS QSealC OB legacy (obtransport, obsigning) OBWAC OBSeal Other (Please define)	eIDAS QWAC and QSeal for EU TPPs and OBWAC and OBSeal for UK based TPPs
POST-BREXIT POST TRANSITION - Certificates Accepted (from 1st Jul 2021)	eIDAS QWAC eIDAS QSealC OB legacy (obtransport, obsigning) OBWAC OBSeal Other (Please define)	eIDAS QWAC and QSeal for EU TPPs and OBWAC and OBSeal for UK based TPPs
Planned Implementation Date to Satisfy FCA's Post Transition
TPP PSU Migration Outcomes Supported (see eIDAS Migration Playbook)
POST-BREXIT Certificate Implementation Status (updated by OBIE IES team)

Panel

titleColor	Black
borderStyle	dashed
title	ImplementationCustomer Journey

QSEAL

Page Properties

id	TC-IMP

Page Properties

id	TC-IMP

Directory?

Preta

Location of Well Known Endpoints?

Dev Portal – URL : https://developer.wellsfargo.com/apis

API Standard Implemented?

Open Banking v3.1

Name of Account Holder Implementation Date?

Date of Current eIDAS Implementation?

Q4 2019

Current Certificates used for Identification?

QWAC + ClientID +Secret

Current Certificates used for Transport?

QWAC

Current Certificates used for Signing?

N/A

Date of Future eIDAS Implementation?

Q4 2020

Future Certificates used for Identification?

QWAC + ClientID +Secret

Future Certificates used for Transport?

QWAC

Future Certificates used for Signing?

CJ

What is your approach to Implementing OBIE Customer Experience Guidelines (CEG)? (tick all that apply)	Already Implemented Planning to implement or upgrade Not planning to implement CEG
Which version have you implemented or planning to implement? (Lowest version = Current, Highest version = Planned)	V3.1.2 V3.1.3 V3.1.4 V3.1.5 V3.1.6 V3.1.7 V3.1.8
Which date are you planning to implement your latest CEG version?
Redirection Model	App to App redirection Decoupled authentication Embedded Flow Bespoke User Journeys
Options on 90 day re-authentication?	90 Day Re-Authentication for AISP

Panel

titleColor	Black
borderStyle	dashed
title	PSD2

ASPSPs provide a Unique, Immutable TransactionID from their core system

ASPSPs generate a Unique TransactionID from a set of Immutable fields

ASPSPs specify field

Page Properties

id	TC-PSD2

Brand
Which Directory are you using as your Trust Framework?	Preta
Are you caching the Directory?	Yes - Preta
Transaction IDs Supported	Option 2	2.ASPSPs generate a Unique TransactionID from a set of Immutable fields
Are you enrolled to Dispute Management System?	Yes No
Are you Seeking Fallback Exemption?	Yes No
Article 10 - Maximum time period after authentication	90 Days
Article 10 - Endpoints exempt of SCA	Accounts,Balances, Transactions
Major Milestones	Test Facility (Sandbox) Open Banking API Standards 3.1 Live -14^th March 2019 Stress Testing (Sandbox) Open Banking API Standards 3.1 -13^th February 2019. AIS - Open Banking API Standards 3.1 Live - 14^th September 2019. PIS - Open Banking API Standards 3.1 Live - 15^th May 2020 PRETA directory Maintenance and Validation services - 14^th September 2019. SCA via 2- Factor authentication – Password (knowledge) and Token (possession) and consent Flow as outlined in OBIE Customer Experience Guidelines - 14^th September 2019.

(s)

Security Profile?

Security Profile Certification?

CIBA

N/A

Using Open Banking as your eIDAS Trust Framework?

No

Are you caching the Directory?

Yes - Preta

Transaction IDs

Option 2

(s)

for TPP to generate a Unique Transaction Identifier

ASPSPs provide neither a TransactionID nor the method by which TPPs can generate one

id

Panel

borderStyle	dashed
title	Customer Journey

Page Properties

TC-CJ

Implementing Customer Experience Guidelines?

Yes

Current CEG Version?

Next CEG Version?

Next Version Implementation Date

Implementing Bespoke User Journeys?

Yes

Implementing App to App?

Yes

App to App Implementation Date?

N/A

Options on 90 day re-authentication?

90 Day Re-Authentication for AISP

Support Embedded Flow?

No

Panel

titleColor	Black
borderStyle	dashed
title	PSD2ASPSP Dev Portal and Contact Details

Our scope only includes PSD2 accounts. Non PSD2 accounts will not be inhibited.

Page Properties

id	TC-PSD2

Dispute Management System?

No

FCA Adjustment Period - Maintaining Screen Scraping?

No

Seeking Fallback Exemption?

Exemption Granted

Exemption granted on 3rd Jan 2020.

Adjusted or Fallback Interface?

No

Adjusted or Fallback URL?

N/A

Contact Email or Phone Number?

Dev Portal URL?

CJ

Location of Well Known Endpoints	Dev Portal – URL : https://developer.wellsfargo.com/apis

Test Facility Implementation Date?

14 Mar 2019

Production Interface Implementation Date?

14 Sep 2019

Contingency Measures

Article 10 - Maximum time period after authentication?

90 Days

Article 10 - Endpoints exempt of SCA

Accounts,Balances, Transactions

Authentication Method - Open Banking Channel (Browser)?

Yes. For the API based Dedicated Interface we will be using the Redirect Method of Authentication with OAUTH2.

Authentication Method - Open Banking Channel (APP)?

N/A

Authentication Method - Private Channel (Browser)?

Yes. For the Direct access channels we will be using the 2FA Authentication which will include (password) Knowledge and (Token) Possession for both Account Information Services and Payment Initiation Services.

Authentication Method - Open Banking Channel (APP)?

N/A

Authentication Method Implementation Date (Open Banking Channel)?

14 Sep 2019

Authentication Method Implementation Date (Private Channel)?

14 Sep 2019

SCA Implementation Date?

14 Sep 2019

SCA Scope? (will it inhibit non PSD2 accounts)


Modified Customer Interface URL (if applicable)
Dev Portal URL	https://developer.wellsfargo.com/apis
Test Facility URL
ASPSP Support Desk Email or Phone Number

Panel

titleColor	Black
borderStyle	dashed
title	Key Implementations

N/A

Page Properties

id	TC-HCC

High Cost Credit	TBC

View file

name	HCC.xlsx
height	250

Page Properties

id	TC-W7

After Waiver 7 Expiry (16/06/20) option supported: Option 1 - The parameter b64 being set to FALSE OR Option 2 - The b64 claim not being in the header

Version	Old Version 20	New Version 21
Changes made by	Narayan Tyagarajan	Praveen Ponnumony
Saved on	Dec 24, 2020	May 07, 2021

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