Third-Party Data Scraping is a Liability Go Embedded Banking with CFPB 1033 Switch!

Eliminate Financial Data Security Risks with an OAuth-Based Open Banking Switch.

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Stop relying on third-party workarounds.

1 in 3 Americans share their financial data with third parties—why not make it safer? Open banking keeps you in control, offering secure, seamless access without the middlemen.

Security Risks

Data leaks & fraud risks.

Loss of Control

Banks have no visibility over customer data use.

Compliance Issues

No regulatory oversight.

Enter Refo: A Trusted Open Banking Platform

Refo’s Open Banking Switch ensures CFPB 1033-compliant, secure data access—eliminating third-party scraping and enabling seamless digital connectivity.

CFPB 1033 Switch: A Win for Banks

Grow Your Digital Reach Effortlessly

Turn Clicks into Customers. Leverage seamless onboarding experience to retain more customers than ever. 

Unified API for Seamless Integration

One API, Endless Possibilities – Cut costs, reduce fees, and give your customers seamless fintech interactions. 

Secure Banking, Trusted Access

Create a secure banking environment with CFPB 1033’s OAuth authentication—preventing customer data leaks and frauds.

And for Bank Customers too 

Share Bank Info in 2 clicks

Customers can access bank across all their digital channels—no hassle, no delays, just instant, secure connectivity. 

Effortless Money Transfer

No more switching apps to move money between accounts. Now your customers can have just smooth transactions.

Full Data Control

Give customers full control—manage, modify, or revoke data access anytime for privacy, security, and compliance.

CFPB 1033 Switch Puts Banks in Control— Secure, Standardized Access for Customers Across All Digital Channels.

Get compliant today

Secure, Compliant, and Instant Open Banking Access

Say hello to embedded banking! The CFPB 1033 Switch makes financial data sharing secure, keeps compliance in check, and enhances security.

OAuth Authentication

Customer onboarding at scale - API-based  or Mobile/Web journeys

Consent Management Dashboard

100% automated process flow - from application to disbursement

3rd Party App Directory

All trusted apps in one place—easy connections, zero guesswork.

Permissions Manager

Fine-tune data access with precision—security and control at your fingertips.

Contact Center Dashboard

Support made smarter—quick insights, instant resolutions, happy customers.

Compliance & Security

Compliance Scope
Financial Security 

Data Scope Under CFPB 1033 Compliance

Unlock secure and transparent financial data sharing while staying fully compliant.

Account details (name, address, email, phone)

Transactions (24-month history)

Bill payments, fees, APR, and reward program details

Secure payment initiation capabilities

Financial Security 

Protect financial data with cutting-edge security measures designed for trust and compliance.

Data encrypted at rest and in transit

Enterprise-grade security with multi-cloud data centers

Proactive penetration testing & compliance monitoring