# HSBC - Status Update **URL:** \ **Category:** Emma News & Updates\ **Created:** [August 27, 2019, 11:27am UTC](https://community.emma-app.com/t/hsbc-status-update/971 "2019-08-27T11:27:43Z")\ **Posts on this page:** 20\ **Page:** 2
**Author:** ![Recchan](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/recchan/32/444_2.png) [@Recchan](https://community.emma-app.com/u/Recchan)\ **Post date:** [September 26, 2019, 11:59am UTC](https://community.emma-app.com/t/hsbc-status-update/971/21 "2019-09-26T11:59:01Z")
Speaking of which… if you don’t have an AmEx I’m more than willing to introduce you 😉 ---
**Author:** ![edoardomoreni](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/edoardomoreni/32/9_2.png) [@edoardomoreni](https://community.emma-app.com/u/edoardomoreni)\ **Post date:** [September 26, 2019, 2:18pm UTC](https://community.emma-app.com/t/hsbc-status-update/971/22 "2019-09-26T14:18:43Z")
> [@caprotti](#): > > What about Curve? This will never happen for a variety of reasons. The first one by being impractical. 😅 ---
**Author:** ![caprotti](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/caprotti/32/62_2.png) [@caprotti](https://community.emma-app.com/u/caprotti)\ **Post date:** [September 26, 2019, 2:31pm UTC](https://community.emma-app.com/t/hsbc-status-update/971/23 "2019-09-26T14:31:33Z")
I do and actually considering downgrading from Gold to blue… ---
**Author:** ![edoardomoreni](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/edoardomoreni/32/9_2.png) [@edoardomoreni](https://community.emma-app.com/u/edoardomoreni)\ **Post date:** [September 26, 2019, 3:10pm UTC](https://community.emma-app.com/t/hsbc-status-update/971/24 "2019-09-26T15:10:22Z")
> [@caprotti](#): > > They responded that both authorities have been notified already… Yes, they are compliant in theory. They have provided a modified interface that requires constant re-login to refresh the data, so we are not really interested in doing this. For Open Banking, we are meeting in October, so they can provide further info. ---
**Author:** ![caprotti](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/caprotti/32/62_2.png) [@caprotti](https://community.emma-app.com/u/caprotti)\ **Post date:** [September 27, 2019, 9:52am UTC](https://community.emma-app.com/t/hsbc-status-update/971/25 "2019-09-27T09:52:58Z")
Ok. I’ll wait for your October news before complaining with the Financial Ombudsman and the CMA then… ---
**Author:** ![edoardomoreni](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/edoardomoreni/32/9_2.png) [@edoardomoreni](https://community.emma-app.com/u/edoardomoreni)\ **Post date:** [September 27, 2019, 11:54am UTC](https://community.emma-app.com/t/hsbc-status-update/971/26 "2019-09-27T11:54:57Z")
In theory, they are compliant. 😕 ---
**Author:** ![Recchan](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/recchan/32/444_2.png) [@Recchan](https://community.emma-app.com/u/Recchan)\ **Post date:** [September 27, 2019, 2:49pm UTC](https://community.emma-app.com/t/hsbc-status-update/971/27 "2019-09-27T14:49:48Z")
There is no theory - they are compliant ---
**Author:** ![edoardomoreni](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/edoardomoreni/32/9_2.png) [@edoardomoreni](https://community.emma-app.com/u/edoardomoreni)\ **Post date:** [September 28, 2019, 2:00pm UTC](https://community.emma-app.com/t/hsbc-status-update/971/28 "2019-09-28T14:00:12Z")
Yes, they used a fallback channel and instead of releasing OB connectivity, implemented a modified interface that is unusable. 🙂 ---
**Author:** ![Recchan](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/recchan/32/444_2.png) [@Recchan](https://community.emma-app.com/u/Recchan)\ **Post date:** [September 28, 2019, 8:49pm UTC](https://community.emma-app.com/t/hsbc-status-update/971/29 "2019-09-28T20:49:04Z")
Open banking is only required on payment accounts and has been extended in regards to the deadline by the FCA - they are _fully_ compliant. Not by a technicality. To imply that they could perhaps not be is really not on ---
**Author:** ![edoardomoreni](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/edoardomoreni/32/9_2.png) [@edoardomoreni](https://community.emma-app.com/u/edoardomoreni)\ **Post date:** [September 29, 2019, 1:54pm UTC](https://community.emma-app.com/t/hsbc-status-update/971/30 "2019-09-29T13:54:42Z")
> [@Recchan](#): > > To imply that they could perhaps not be is really not on I have never said this. ---
**Author:** ![Recchan](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/recchan/32/444_2.png) [@Recchan](https://community.emma-app.com/u/Recchan)\ **Post date:** [September 29, 2019, 2:49pm UTC](https://community.emma-app.com/t/hsbc-status-update/971/31 "2019-09-29T14:49:18Z")
> [@edoardomoreni](#): > > In theory, If it’s a theory that they are compliant 🤔 ---
**Author:** ![mikey887](https://avatars.discourse-cdn.com/v4/letter/m/7c8e57/32.png) [@mikey887](https://community.emma-app.com/u/mikey887)\ **Post date:** [October 4, 2019, 10:34am UTC](https://community.emma-app.com/t/hsbc-status-update/971/32 "2019-10-04T10:34:52Z")
The regs also say they can’t add friction to the process becuase the theory is it would bias toward use of their channels, having to Auth for every screenscrape where the creds aren’t storable seems like non compliant to me but then again in not a lawyer. I thought they were going to give TPPs a MATLS endpoint they could Auth to with thier EIDAS cert that would bypass SCA for read only ? ---
**Author:** ![edoardomoreni](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/edoardomoreni/32/9_2.png) [@edoardomoreni](https://community.emma-app.com/u/edoardomoreni)\ **Post date:** [October 4, 2019, 11:14am UTC](https://community.emma-app.com/t/hsbc-status-update/971/33 "2019-10-04T11:14:16Z")
> [@mikey887](#): > > bypass SCA for read only ? Nah, SCA is still there unfortunately. ☹ ---
**Author:** ![mikey887](https://avatars.discourse-cdn.com/v4/letter/m/7c8e57/32.png) [@mikey887](https://community.emma-app.com/u/mikey887)\ **Post date:** [October 4, 2019, 11:27am UTC](https://community.emma-app.com/t/hsbc-status-update/971/34 "2019-10-04T11:27:19Z")
And I was going to switch , guess i need to rethink that … ---
**Author:** ![mariusfanu](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/mariusfanu/32/272_2.png) [@mariusfanu](https://community.emma-app.com/u/mariusfanu)\ **Post date:** [November 4, 2019, 11:45am UTC](https://community.emma-app.com/t/hsbc-status-update/971/35 "2019-11-04T11:45:46Z")
> [@edoardomoreni](#): > > We are meeting on the 19th of October Hi Edoardo, do you have any updates? 🤞 ---
**Author:** ![edoardomoreni](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/edoardomoreni/32/9_2.png) [@edoardomoreni](https://community.emma-app.com/u/edoardomoreni)\ **Post date:** [November 4, 2019, 5:33pm UTC](https://community.emma-app.com/t/hsbc-status-update/971/36 "2019-11-04T17:33:55Z")
Yes, these people are not releasing anything before March 2020. It’s pathetic. 🤷‍♂️ ---
**Author:** ![mariusfanu](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/mariusfanu/32/272_2.png) [@mariusfanu](https://community.emma-app.com/u/mariusfanu)\ **Post date:** [November 4, 2019, 5:48pm UTC](https://community.emma-app.com/t/hsbc-status-update/971/37 "2019-11-04T17:48:02Z")
Ohh that’s disappointing ☹ ---
**Author:** ![edoardomoreni](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/edoardomoreni/32/9_2.png) [@edoardomoreni](https://community.emma-app.com/u/edoardomoreni)\ **Post date:** [November 4, 2019, 5:50pm UTC](https://community.emma-app.com/t/hsbc-status-update/971/38 "2019-11-04T17:50:27Z")
Very, very, very. Unfortunately. ---
**Author:** ![caprotti](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/caprotti/32/62_2.png) [@caprotti](https://community.emma-app.com/u/caprotti)\ **Post date:** [November 4, 2019, 6:18pm UTC](https://community.emma-app.com/t/hsbc-status-update/971/39 "2019-11-04T18:18:05Z")
Already moved all my spending to Virgin Atlantic. Bye bye HSBC! ---
**Author:** ![edoardomoreni](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/edoardomoreni/32/9_2.png) [@edoardomoreni](https://community.emma-app.com/u/edoardomoreni)\ **Post date:** [November 4, 2019, 7:35pm UTC](https://community.emma-app.com/t/hsbc-status-update/971/40 "2019-11-04T19:35:47Z")
ahahha 🤣🤣🤣🤣🤣🤣🤣🤣🤣 [Previous page](https://community.emma-app.com/t/hsbc-status-update/971.md?page=1) [Next page](https://community.emma-app.com/t/hsbc-status-update/971.md?page=3)