DSB Maintenance Iteration 4: Iteration checkpoint: Agenda & Meeting Notes (5th August 2020) - ConsumerDataStandardsAustralia/standards GitHub Wiki

DSB Maintenance Iteration 4 - Iteration checkpoint - Agenda & Meeting Notes (2020-08-05)

Date and time: 5/08/2020, 2pm - 3pm AEST Location: WebEx

Chair: Mark Verstege, DSB
Maintenance overview: Further information
Maintenance project board: See here

Agenda

Meeting notes

Introductions

  • Allow for participants to join
  • Housekeeping
  • Overview, purpose and intended outcomes of the meeting

Actions

Release 1.4.0

Decision Record for Release 1.4.0 is available here. Scope includes:

  • Maintenance Iteration 3
  • Prioritised change requests to support July go-live
  • Documentation fixes including non-normative examples

For Noting

Decision Proposals

Open

Under Review

Iteration Candidates

Iteration Summary

Review of Change Requests

# Change Request Status Recommendation
#42 ANZSIC Code multiple version support Pending Discuss WBC & DSB feedback.
#153 Maturity instructions for a term deposit may not always be known In principle support Discuss WBC feedback.
#150 A loan may have no end date but loanEndDate is mandatory Pending Awaiting WBC feedback
#151 A payee may have no nickname provided by the customer Supported Keep mandatory and change description to be "determined by the Data Holder in line with existing digital banking channels"
#152 CRN in BankingBillerPayee should be optional Pending Discuss feedback.
Is there an option to provide the type of CRN if ICRN of VCRN is known? Whilst conditional, an empty string would still satisfy the standards where an ADI allows BPAY payees to be saved by customers in a payee address book without a CRN.

Do any banks support saving BPAY billers without a CRN?
#176 Update Query Parameter Transaction Pending Discuss community feedback.
#177 Negative Available Balance in Get Balances response Pending Further feedback required. Currently no support from other ADIs
#229 Service field in the Get Transaction Details API Pending Awaiting analysis and community feedback. Review NAB feedback.
#271 Update Get Metrics rejections counts and clarify affected APIs Provisional Option C - authenticated AND unauthenticated rejection counts.

Recommend this treats the existing rejections as the authenticated rejection count so no breaking change is introduced to current implementations. unauthenticatedRejections is introduced for rejections on unauthenticated endpoints. Would require a future dated obligation
#240 'SHOULD' for access token revocation In Consultation For discussion. Refer to https://tools.ietf.org/html/rfc7009#section-3
#273 Update claims permitted in Token Introspection In Consultation For discussion
#272 Transition arrangements for November 2020 CDR Consent obligations Pending For discussion
#266 Decrement BankingProduct Not supported This change to increment BankingProduct was intentional to align with BankingProductDetail
#247 ADR Revocation Endpoint In Consultation For discussion

Notes

Issue #42: ANZSIC Code multiple version support

  • Support for including a version enumeration as an optional parameter
  • Agreed to clarify which version of each standard is considered the baseline rather than support all possible legacy versions
  • No support for backwards compatibility of older versions
  • Set baselined versions as ANZSCO_1220.0_V1.3 and ANZSIC_1292.0_V2.0 or ANZSCO_1220.0_V1.0 and ANZSIC_1292.0_V1.0

Issue #153: Maturity instructions for a term deposit may not always be known

  • Support for maintaining maturityInstructions as mandatory
  • Support for changing description to include default maturity instructions
  • Support for extending the enumerated type to include "HOLD"
  • Consultation will be requested if an optional isMaturityInstructionsDefaulted which itself defaults to false should be included to differentiate between a bank's default instructions (if the customer has not explicitly provided maturity instructions) versus a customer's explicit instructions

Issue #150: A loan may have no end date but loanEndDate is mandatory

  • WBC to provide further update to this change request
  • Requires further detail before the CR can be progressed

Issue #151: A payee may have no nickname provided by the customer

  • Updated description to support default values is supported
  • Supported that this is a display name which is either the customer entered nickname or a display name derived by the bank for the purposes presenting payees in digital banking channels

Issue #152: CRN in BankingBillerPayee should be optional

  • Further analysis required by banks. It was mentioned that at least one bank allows billers to be created in a payee address book without CRNs
  • In this case, ICRN and VCRN may be better off represented as an enumerated type with conditional optionality for the CRN in only those situations

Issue #176: Update Query Parameter Transaction

  • Some banks have said they are supporting text filtering including both majors and non-majors
  • Discussed options. Option A - do nothing was supported: address this issue in future if/when additional conditional filtering is required in the future.

Issue #177: Negative Available Balance in Get Balances response

  • Issue of negative available balances was discussed. Other than CBA, no other banks have provided support for negative available balances
  • This change will not be supported. The description for available balance will be updated to make it clear that available balance should be zero or greater.

Issue #229: Service field in the Get Transaction Details API

  • Still waiting for analysis from banks.

Issue #271: Update Get Metrics rejections counts and clarify affected APIs

  • Option C is supported. This would introduce rejection counts for unauthenticated endpoints.
  • Needs to consider future dated obligations
  • DSB to propose representation options on GitHub

Issue #240: 'SHOULD' for access token revocation

  • Previous guidance has been that access tokens must be able to be revoked in cases where an ADR, for security reasons, needs to invalidate an access token without revoking consent

Issue #273: Update claims permitted in Token Introspection

  • Item raised for ongoing consultation
  • No objections have currently been raised with the proposal

Issue #272: Transition arrangements for November 2020 CDR Consent obligations

  • Item raised for ongoing consultation

Issue #266: Decrement BankingProduct

  • Item raised for ongoing consultation

Issue #247: ADR Revocation Endpoint

  • Item was not discussed

Other business

TBA

Next Steps

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