ACCC & DSB | CDR Implementation Call Agenda & Meeting Notes | 20 March 2025 - ConsumerDataStandardsAustralia/standards GitHub Wiki
When: Weekly every Thursday at 3pm-4:30pm AEST
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- 5 min will be allowed for participants to join the call.
- This call is jointly facilitated by the ACCC and the DSB, and we welcome observers from APRA, OAIC and the Treasury.
We acknowledge the Traditional Custodians of the various lands on which we meet today and pay our respects to their Elders past and present.
The Consumer Data Right Implementation Calls are recorded for note taking purposes only. Recordings and transcripts are kept securely. No identifying material is provided without the participant's consent. Participants may email [email protected] with any questions or a request to have material redacted from the record.
By participating in the Consumer Data Right Implementation Call you agree to the Community Guidelines. These guidelines intend to provide a safe and constructive space for members to discuss implementation topics with other participants and members of the ACCC and Data Standards Body.
⭐ indicates change from last week.
| Type | Updated | Links |
|---|---|---|
| Standards ⭐ |
Version 1.34.0 was published on 13 March 2025Incorporating changes from Decision 338 (Updates to Banking Products and Accounts) and Decision 361 (Energy Last Consumer Change Date).This release also addresses the following minor defects: |
Published: 13 March 2025 Change log |
| Maintenance | Iteration 22 runs fortnightly through to the 2nd of April Decision Proposal 364 - Maintenance Iteration 22 |
Link to consultation |
| DSB Newsletter ⭐ | 14 March 2025 | View in browser here |
| Guidance ⭐ | Updated Disclosure Consent artefacts and requirements to reflect Competition and Consumer (Consumer Data Right) Amendment (2024 Measures No. 1) Rules 2024, Decision 350: August 2024 Rules - Standards Impacts and Change request 674: CX Guidelines - Updates stemming from 2024 Consent Review changes. This includes visual, UI and experiential updates, new artefacts for bundled CDR consents, as well as new and updated rules, standards and guidelines references. This is the last of the v7 CX guideline updates |
Consumer Experience (CX) Guidelines |
| Guidance | Recently updated CX Guidelines to reflect v7 rules:
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Consumer Experience (CX) Guidelines |
| Issue ⭐ | There is a misalignment in the issuer value within the OpenID Provider Configuration of the Register and Accreditation Application Platform (RAAP) The ACCC are looking to do a release on 30 April to rectify the issuer value to align with the upstream specifications. The ACCC Technical Operations team will send out an email notification to all participants regarding this. |
Issue 682 |
| Video | 138: Maintenance Iteration 22 Candidate Issues - narrated by Neale Morison (07/03/2025) | DSB YouTube Video |
| Information ⭐ | A page with summaries of Decision Proposal (DP) consultations from the past 18 months is now available on our CDS Support Portal. For full details and older decisions, visit the Consumer Data Standards standards repository |
Consultations Summary page |
Provides a weekly update on the activities of each CDR stream and their work.
None this week.
None this week.
Questions will be received by the community via Microsoft Teams chat before the questions are opened to the floor. Participants can submit questions outside of the CDR Implementation Call to the CDR Support Portal.
In regards to topics for questions, we ask the participants on the call to consider the Community Guidelines when posing questions to the subject matter experts.
| Ticket # | Question | Answer |
|---|---|---|
| 2500 | Are non-bank lenders that service Reverse Mortgages obligated to join the CDR Framework? | The ACCC cannot provide compliance advice specific to individual scenarios and we encourage you to seek independent professional advice about your compliance obligations. However, we have provided general comments below which may assist. The Competition and Consumer (Consumer Data Right) Amendment (2025 Measures No. 1) Rules 2025 commenced on 4 March 2025. Accordingly, the Competition and Consumer (Consumer Data Right) Rules 2020 (CDR Rules) have been amended to expand CDR to the non-bank lenders sector. Under the rules, a ‘relevant non-bank lender’ that is an ‘initial provider’ or ‘large provider’ must comply with CDR data sharing obligations, with obligations being phased in from 13 July 2026. The meaning of initial and large providers is set out at rule 6.2 of Schedule 3 to the CDR Rules. Relevantly, clause 6.2(2), states that a relevant non-bank lender is considered a ‘large provider’ if on 4 March 2025 or on any later 1 July:
Data sharing obligations for large providers will commence from 13 July 2026, in accordance with the staged implementation table set out in clause 6.5 of Schedule 3 to the CDR Rules. Non-bank lenders that meet the requirements of an ‘initial provider’ as stated in clause 6.2(1) of Schedule 3 will also have data sharing obligations from 13 July 2026 (see clause 6.4 of Schedule 3). Note, data sharing obligations do not apply to product and consumer data in relation to certain products, including reverse mortgages. That is, data holders may (but are not required to) disclose relevant data in relation to reverse mortgages (see clauses 3.1(2) and 3.2(3) of Schedule 3). Other resources which you may find helpful to understand how CDR applies to the non-bank lending sector include:
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| 2491 | We are receiving multiple 504 Gateway timeout from this endpoint GET https://api.cdr.gov.au/cdr-register/v1/banking/data-recipients/brands/software-products/status, can this please be looked in to |
The CDR TechOps are aware of this issue and is actively working with our vendor on it. We had observed that the vendor had worked to reduce the overall intermittent gateway timeout percentage so the frequency of occurrence experienced by Wise should be reduced by now. |
Attendees are invited to raise topics related to the Consumer Data Right that would benefit from the DSB and ACCCs' consideration.
View a number of informative and useful links in the Consumer Data Standards Guide on Information Links.
| Data Standards Body | Consumer Data Right | Digital ID | Contact & Media |
| Chair | Standards | Accreditation Standards | Website |
| News | Maintenance Iteration | AGDIS Standards | |
| Advisory Committee | CX Guidelines | Calendar | |
| Support Portal | |||
| YouTube | |||
| GitHub | |||
| Newsletter |