[hobofan]

If you read the legislation (?) you will see that they are actually very vague in how the banks will provide access. I think it is already a great success that they (fingers crossed) will manage to force the banks to provide access to the data in any form and gave them little wiggle room for justifications to get out of it.

There are however some inititives for open API standards that might be accepted by a majority of the banks.