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Privacy Policy

Last Updated: January 6, 2026

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Information CollectionHow We Use DataData SharingSecurity MeasuresYour Rights (GDPR)Contact Us

Information We Collect

FedWire RTGS collects information necessary to provide secure payment services and comply with federal regulations.

Account Information:

  • Institution name, type, and registration details
  • Routing numbers and account identifiers
  • Contact information (name, email, phone, address)
  • Federal Tax ID (EIN) and regulatory identification numbers

Transaction Data:

  • Payment amounts, beneficiaries, and timestamps
  • Wire transfer details and settlement records
  • Securities transactions and portfolio holdings
  • Tax payment records and government agency transfers

Technical Information:

  • IP addresses and device information
  • Browser type and operating system
  • Login timestamps and session data
  • API access logs and system interactions

How We Use Your Data

Your information is used exclusively for payment processing, compliance, and security purposes.

Payment Processing: Executing wire transfers, securities settlements, and tax payments with immediate finality.

Regulatory Compliance: Meeting AML/KYC requirements, SOX reporting, Basel III standards, and Federal Reserve oversight obligations.

Fraud Prevention: Monitoring for suspicious activity, unauthorized access attempts, and potential security breaches.

Service Improvement: Analyzing system performance, identifying bottlenecks, and enhancing user experience.

Communication: Sending transaction confirmations, security alerts, and regulatory notices.

Data Sharing & Disclosure

We share information only when required by law or necessary for service delivery.

Federal Reserve System: Transaction data, settlement records, and reserve reporting for monetary policy and oversight.

Regulatory Agencies: Financial data shared with FDIC, OCC, FinCEN, IRS, and SEC as mandated by federal law.

Counterparty Institutions: Beneficiary details and wire instructions for payment execution.

Service Providers: Limited technical data shared with auditors and infrastructure vendors under strict confidentiality agreements.

Law Enforcement: Information disclosed in response to valid subpoenas, court orders, or national security requests.

Security Measures

Enterprise-grade security protects your data at every layer.

Technical Controls:

  • 256-bit AES encryption at rest
  • TLS 1.3 for data in transit
  • HSM-backed key management
  • Multi-factor authentication (MFA)
  • Role-based access control (RBAC)

Operational Controls:

  • 24/7 security monitoring
  • Annual penetration testing
  • SOC 2 Type II certified
  • Incident response protocols
  • Employee security training

Your Privacy Rights (GDPR)

For EU participants, you have comprehensive data protection rights.

Right to Access: Request a copy of all personal data we hold about you.
Right to Rectification: Correct inaccurate or incomplete information.
Right to Erasure: Request deletion of data (subject to regulatory retention requirements).
Right to Portability: Receive your data in a structured, machine-readable format.
Right to Object: Object to processing for direct marketing or legitimate interests.

Exercise Your Rights:

To exercise any of these rights, contact our Data Protection Officer at privacy@fedwire-rtgs.gov

Note: Some data must be retained for 7 years under SOX and banking regulations.

Contact Information

Data Protection Officer

Email: privacy@fedwire-rtgs.gov

Phone: 1-800-333-9473

Mailing Address

Federal Reserve Board
Privacy Office
20th Street and Constitution Avenue NW
Washington, DC 20551

EU Representative

Email: eu-privacy@fedwire-rtgs.gov