{"id":2122,"date":"2024-05-12T23:58:36","date_gmt":"2024-05-12T21:58:36","guid":{"rendered":"https:\/\/fida.bipro.net\/who-is-fida-affected\/"},"modified":"2024-05-29T14:58:07","modified_gmt":"2024-05-29T12:58:07","slug":"who-is-fida-affected","status":"publish","type":"post","link":"https:\/\/fida.bipro.net\/en\/who-is-fida-affected\/","title":{"rendered":"Who is FiDA affected?"},"content":{"rendered":"

[et_pb_section fb_built=”1″ admin_label=”Features” _builder_version=”4.23.1″ custom_padding=”|0||0px|false|false” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row _builder_version=”4.25.1″ _module_preset=”default” theme_builder_area=”post_content”][et_pb_column _builder_version=”4.25.1″ _module_preset=”default” type=”4_4″ theme_builder_area=”post_content”][et_pb_text _builder_version=”4.25.1″ _module_preset=”default” theme_builder_area=”post_content” hover_enabled=”0″ sticky_enabled=”0″]<\/p>\n

Customer<\/h2>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_4,3_4″ _builder_version=”4.23.1″ _module_preset=”default” width=”100%” custom_margin=”0px|0px|0px|0px|false|false” custom_padding=”0px|0px|0px|0px|false|false” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”1_4″ _builder_version=”4.22.2″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_image src=”https:\/\/fida.bipro.net\/wp-content\/uploads\/2023\/10\/Wer-ist-von-FIDA-betroffen.png” alt=”Who is FiDA affected?” title_text=”Who is FiDA affected?” align=”center” _builder_version=”4.25.1″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″][\/et_pb_image][\/et_pb_column][et_pb_column type=”3_4″ _builder_version=”4.22.2″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_text _builder_version=”4.25.1″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″]<\/p>\n

\u2018Customer\u2019<\/strong> means a natural or legal person residing in the Union who uses financial products and services<\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.25.1″ _module_preset=”default” theme_builder_area=”post_content”][et_pb_column _builder_version=”4.25.1″ _module_preset=”default” type=”4_4″ theme_builder_area=”post_content”][et_pb_text _builder_version=”4.25.1″ _module_preset=”default” theme_builder_area=”post_content” hover_enabled=”0″ sticky_enabled=”0″]<\/p>\n

Data holder<\/h2>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_4,3_4″ _builder_version=”4.23.1″ _module_preset=”default” width=”100%” custom_margin=”0px|0px|0px|0px|false|false” custom_padding=”0px|0px|0px|0px|false|false” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”1_4″ _builder_version=”4.22.2″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_image src=”https:\/\/fida.bipro.net\/wp-content\/uploads\/2023\/10\/Wer-ist-von-FiDA-betroffen-2.png” alt=”What is Financial Data Access Regulation” title_text=”Who is FiDA affected 2″ align=”center” _builder_version=”4.25.1″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″][\/et_pb_image][\/et_pb_column][et_pb_column type=”3_4″ _builder_version=”4.22.2″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_text _builder_version=”4.25.1″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″]<\/p>\n

\u201cData Holder\u201d<\/b> means a financial institution<\/b> that collects, stores or otherwise processes Customer Data<\/i><\/b> relating to a Customer as part of the financial institution\u2019s direct relationship with that Customer<\/p>\n

[\/et_pb_text][et_pb_text _builder_version=”4.25.1″ _module_preset=”default” theme_builder_area=”post_content” hover_enabled=”0″ sticky_enabled=”0″]* Intermediaries only become data owners if they reach a certain size (250 employees and 50 million turnover)
\n[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.25.1″ _module_preset=”default” theme_builder_area=”post_content”][et_pb_column _builder_version=”4.25.1″ _module_preset=”default” type=”4_4″ theme_builder_area=”post_content”][et_pb_text _builder_version=”4.25.1″ _module_preset=”default” theme_builder_area=”post_content” hover_enabled=”0″ sticky_enabled=”0″]<\/p>\n

Data user<\/h2>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_4,3_4″ _builder_version=”4.23.1″ _module_preset=”default” width=”100%” custom_margin=”0px|0px|0px|0px|false|false” custom_padding=”0px|0px|0px|0px|false|false” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”1_4″ _builder_version=”4.22.2″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_image src=”https:\/\/fida.bipro.net\/wp-content\/uploads\/2023\/10\/Wer-ist-von-FiDA-betroffen-2.png” alt=”What is Financial Data Access Regulation” title_text=”Who is FiDA affected 2″ align=”center” _builder_version=”4.25.1″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″][\/et_pb_image][\/et_pb_column][et_pb_column type=”3_4″ _builder_version=”4.22.2″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_text _builder_version=”4.25.1″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″]<\/p>\n

\u201cData users\u201d<\/b> are financial institutions <\/b> and financial information service providers<\/i> within the meaning of FIDA, who receive lawful access to customer data<\/i><\/b> after the customer\u2019s consent<\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.25.1″ _module_preset=”default” theme_builder_area=”post_content”][et_pb_column _builder_version=”4.25.1″ _module_preset=”default” type=”4_4″ theme_builder_area=”post_content”][et_pb_text _builder_version=”4.25.1″ _module_preset=”default” theme_builder_area=”post_content” hover_enabled=”0″ sticky_enabled=”0″]<\/p>\n

Financial institutions<\/h2>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_4,3_4″ _builder_version=”4.23.1″ _module_preset=”default” width=”100%” custom_margin=”0px|0px|0px|0px|false|false” custom_padding=”0px|0px|0px|0px|false|false” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”1_4″ _builder_version=”4.22.2″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_image src=”https:\/\/fida.bipro.net\/wp-content\/uploads\/2023\/10\/Wer-ist-von-FiDA-betroffen-2.png” alt=”What is Financial Data Access Regulation” title_text=”Who is FiDA affected 2″ align=”center” _builder_version=”4.25.1″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″][\/et_pb_image][\/et_pb_column][et_pb_column type=”3_4″ _builder_version=”4.22.2″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_text _builder_version=”4.25.1″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″]<\/p>\n

\u201cFinancial institutions\u201d<\/b> within the meaning of FIDA, which are either data holders or data users or both<\/b> <\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.23.1″ _module_preset=”default” width=”100%” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”1_2″ _builder_version=”4.22.2″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_blurb title=”Insurance specific” use_icon=”on” font_icon=”||divi||400″ _builder_version=”4.22.2″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″]<\/p>\n

    \n
  • Insurance and reinsurance companies<\/li>\n
  • insurance intermediaries and ancillary insurance intermediaries<\/li>\n
  • institutions for occupational retirement provision;<\/li>\n<\/ul>\n

    [\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.22.2″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_blurb title=”Non-insurance specific” use_icon=”on” font_icon=”||divi||400″ icon_color=”#E02B20″ _builder_version=”4.23.1″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”]<\/p>\n

    credit institutions, payment institutions, electronic money institutions, investment firms, crypto-asset service providers, issuers of asset-referenced tokens, managers of alternative investment funds, management companies of undertakings for collective investment in transferable securities, credit rating agencies, crowdfunding service providers, PEPP providers<\/p>\n

     <\/p>\n

    [\/et_pb_blurb][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.25.1″ _module_preset=”default” theme_builder_area=”post_content”][et_pb_column _builder_version=”4.25.1″ _module_preset=”default” type=”4_4″ theme_builder_area=”post_content”][et_pb_text _builder_version=”4.25.1″ _module_preset=”default” theme_builder_area=”post_content” hover_enabled=”0″ sticky_enabled=”0″]<\/p>\n

    Financial information service providers<\/i><\/h2>\n

    [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_4,3_4″ _builder_version=”4.23.1″ _module_preset=”default” width=”100%” custom_margin=”0px|0px|0px|0px|false|false” custom_padding=”0px|0px|0px|0px|false|false” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”1_4″ _builder_version=”4.22.2″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_image src=”https:\/\/fida.bipro.net\/wp-content\/uploads\/2023\/10\/Wer-ist-von-FiDA-betroffen-2.png” alt=”What is Financial Data Access Regulation” title_text=”Who is FiDA affected 2″ align=”center” _builder_version=”4.25.1″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″][\/et_pb_image][\/et_pb_column][et_pb_column type=”3_4″ _builder_version=”4.22.2″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_text _builder_version=”4.25.1″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″]<\/p>\n

    \u201cFinancial Information Service Provider\u201d<\/i> (FISP) means a data user<\/b> who is authorized to access customer data for the purpose of providing financial information services in accordance with FiDA<\/p>\n

      \n
    • not financial institution<\/li>\n<\/ul>\n

      [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"

      Customer\u2018Customer\u2019 means a natural or legal person residing in the Union who uses financial products and servicesData holder\u201cData Holder\u201d means a financial institution that collects, stores or otherwise processes Customer Data relating to a Customer as part of the financial institution\u2019s direct relationship with that Customer* Intermediaries only become data owners if they reach a […]<\/p>\n","protected":false},"author":3,"featured_media":1425,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[30],"tags":[],"class_list":["post-2122","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-fida-regulation"],"_links":{"self":[{"href":"https:\/\/fida.bipro.net\/en\/wp-json\/wp\/v2\/posts\/2122","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/fida.bipro.net\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/fida.bipro.net\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/fida.bipro.net\/en\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/fida.bipro.net\/en\/wp-json\/wp\/v2\/comments?post=2122"}],"version-history":[{"count":3,"href":"https:\/\/fida.bipro.net\/en\/wp-json\/wp\/v2\/posts\/2122\/revisions"}],"predecessor-version":[{"id":2125,"href":"https:\/\/fida.bipro.net\/en\/wp-json\/wp\/v2\/posts\/2122\/revisions\/2125"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/fida.bipro.net\/en\/wp-json\/wp\/v2\/media\/1425"}],"wp:attachment":[{"href":"https:\/\/fida.bipro.net\/en\/wp-json\/wp\/v2\/media?parent=2122"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/fida.bipro.net\/en\/wp-json\/wp\/v2\/categories?post=2122"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/fida.bipro.net\/en\/wp-json\/wp\/v2\/tags?post=2122"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}