---
title: "Canada Consumer-Driven Banking Framework (open banking) — KYE Protocol™ coverage"
description: "Canada Consumer-Driven Banking Framework (open banking) coverage by KYE Protocol™ — every requirement bijection-mapped to the KYE™ artefact that enforces it."
url: https://kyeprotocol.com/compliance/canada-cdb/
lang: en
source: "KYE Protocol"
---

> Canada Consumer-Driven Banking Framework (open banking) coverage by KYE Protocol™ — every requirement bijection-mapped to the KYE™ artefact that enforces it.

Canada Consumer-Driven Banking Framework (open banking)

# Canada Consumer-Driven Banking Framework (open banking) — 100% of in-scope requirements covered.

4 requirements · 4 in scope (4 enforced). The 100% is weighted over the in-scope base.

**Source:** Consumer-Driven Banking Act, enacted through the Budget Implementation Act, 2024, No. 1 (Bill C-69), establishing Canada's consumer-driven banking (open banking) framework. Accreditation of participating entities, consumer consent + control over data sharing, a common technical/security standard, and the senior-officer / FCAC oversight role. The framework's detailed rules are being developed by the Financial Consumer Agency of Canada; this mapping anchors the statutory pillars.

## By category

| Category | Reqs | Enforced | Designed | Advisory | Deferred | Coverage |
| --- | --- | --- | --- | --- | --- | --- |
| Accreditation of participants | 1 | 1 | 0 | 0 | 0 | **100%** |
| Consumer consent + data-sharing control | 1 | 1 | 0 | 0 | 0 | **100%** |
| Common technical + security standard | 1 | 1 | 0 | 0 | 0 | **100%** |
| Oversight + accountability | 1 | 1 | 0 | 0 | 0 | **100%** |

## Every requirement → the KYE™ artefact that enforces it

| ID | Title | Status | KYE™ enforcement |
| --- | --- | --- | --- |
| `canada-cdb.accreditation` | Accreditation: only accredited entities may participate in the consumer-driven banking framework, subject to ongoing eligibility and governance criteria | enforced | **audit\_events**: `kye.risk.authority_register.v1`, `kye.compliance.attestation.v1` **engines**: `internal`, `internal` **constitution\_refs**: `constitution/51-NO-SPOF.md`, `constitution/10-PARTNER.md` |
| `canada-cdb.consent` | Consumer consent + control: data may be shared only with the consumer's express, informed, revocable consent, scoped to the data and purpose the consumer authorises | enforced | **audit\_events**: `kye.purpose.request.v1`, `kye.purpose.admissibility.v1` **engines**: `internal`, `internal` **constitution\_refs**: `constitution/12-PURPOSE-PERMISSION.md` |
| `canada-cdb.technical-standard` | Common technical + security standard: participants must share data through a common, secure technical interface meeting the prescribed security standard | enforced | **audit\_events**: `kye.purpose.admissibility.v1`, `kye.evidence.tool_call.v1` **engines**: `internal` **constitution\_refs**: `constitution/12-PURPOSE-PERMISSION.md`, `constitution/30-AUDIT-WORM-RETENTION.md` |
| `canada-cdb.oversight` | Oversight + accountability: participants must maintain accountability for data shared under the framework and submit to FCAC oversight | enforced | **audit\_events**: `kye.compliance.attestation.v1`, `kye.evidence.decision_map.v1` **engines**: `internal`, `internal` **constitution\_refs**: `constitution/21-DELEGATED-AUDITABILITY.md` |

Canonical KYE™ surfaces referenced on this page: [KYE Protocol™](https://kyeprotocol.com/).