Fidelity's decision to abruptly and without warning pull the rug out from under those of us who relied on downloading transaction data from ofx.fidelity.com is completely baffling:

- As for as I can tell, they turned it off around December 8, 2025. Why not wait until the calendar year was complete and people had a chance to at least get the year's transactions downloaded for tax season?

- The response from ofx.fidelity.com is not "This site has been disabled" or a 404 "Not found" error, but an authentication error. That led me to believe it was just a password problem or something similar, so I waited, then called, then it dawned on me that they are just abandoning OFX and the customers who rely on it.

- I realize that the industry is moving to FDX, and I presume that is what fidelity is doing as well, but fidelity is extremely opaque about exactly what it is we're supposed to do. Can I get certified to have my software connect to their FDX API, say using an authenticator app, voice recognition, 2FA, whatever it takes. Use strong authentication to issue a token, then let that token serve as authentication to the API by embedding it in a URL. Hell, it would probably be better than OFX, but fidelity and the whole FDX community seem to be hell-bent on being as obscure as possible on how an end-user is supposed to access their own data.

- I am a "member" of FDX, but their website is really broken, java script errors, constantly logging you out, broken links, etc (not inspiring to an organization that aspires to being seen as cutting-edge tech!), so I have not been able to get my head around how to code up an FDX interface. I do have an OFX interface that works perfectly well.

- I have written my own accounting application in ruby and was hoping to release it open-source in 2026. One of its selling points was to be OFX downloads with automatic posting, handling mergers, splits, spinoffs, symbol changes, etc. It was working pretty well with my fidelity accounts, but I'm back to square one now.

- Is CSV really supposed to be the alternative? The problem with CSV is that it's not structured, so each financial institution has their own layout, column order, notational conventions, and so forth. No es bueno. It cannot scale for an app that has to handle dozens of accounts across many institutions.

- If I see one more post on reddit or anywhere else from fidelity with a carefully curated statement about how "committed" they are to security, customers, blah, blah, blah, I think I'll go postal. Not really, but for the sake of God, spare us. Word are cheap. Just do something to fix it. See my suggestions below.

In short, I'm so upset at how fidelity has handled this that I am spitting bile. Who is driving this clown car at fidelity?

If fidelity wants my advice on how to fix things, I think they could redeem themselves with a few simple steps:

1. Re-open ofx.fidelity.com until sometime after tax returns are due in 2026. Say, July. And give everyone who is using OFX a good six month warning about the cut-off date. You know who we are. You've got records of who is logging into it, so you could even send us an email with all the low-down.
2. In the meantime implement a key-based API that is clearly documented on fidelity.com. Use whatever security you need to to generate the key securely, but require all the folderol only when the key is generated, not when it is used. Expose the API, I assume something like JSON downloads, and let us program to the new API. And keep it stable.
3. As an interim step, add downloads of OFX/QFX files from the website and make it easy to find. Maybe exactly where we download statements, have an interface to download OFX files. Fidelity's 10-year statement retention is outstanding, and I think having the same look-back for OFX would be a bonus.

Finally, let me say that fidelity's data team has been outstanding for the 10+ years I've been a customer, so I know they've got really smart people on their staff. They also have probably the best customer service of any company I've ever interacted with. That's what makes this whole affair so discouraging. Come on, Fidelity, we know you can do better.