Rectification schedule - active data holders with implementation gaps

Australia and New Zealand Banking Group Limited

Brand:

ANZ

1. CDR Standards V1.29.0 CX Standard - Data Holder Dashboards

Amending authorisation details.  Details of each authorisation’s amendment will not be displayed on the consumer’s dashboard.

Brand:

ANZ Plus

2. Rule 1.15(5)(b)(i) and Rule 4.6A(a)(ii) requirements - Ceasing Secondary User Data Sharing

Alternative functionality to be delivered - Delivered functionality that allows account holders to cease secondary user data sharing for a specific authorisation and also allows account holders to remove the secondary user permission completely.

Commonwealth Bank of Australia 

Brands:

CommBank and Bankwest

1. CBA – Secondary User indication Rules

CBA will build the functionality for account holders to cease secondary user data sharing on an ADR basis

Commonwealth Bank of Australia

Brand:

Bankwest

2. Bankwest - Secondary User Indication Rules

Bankwest will build the functionality for account holders to cease secondary user data sharing on an ADR basis

1. NAB currently does not provide transaction ids for non-NPP transactions.

2. Display Name (displayName) values from Get Accounts and Get Account Details API don’t match.

3. Additional transaction service codes provided in Get transactions detail.

Identifier of the applicable overlay service. Valid values are: X2P1.01. NAB also provides X2P1.04 and SCT.04 in some situations.

4. Rule 1.15(5)(b)(i) and Rule 4.6A(a)(ii) requirements - Ceasing Secondary User Data Sharing.

Implementation paused pending rules review

5. In Account Details API, current “DepositRate” and “LendingRate” is provided to ADRs. However, additional fields present in” Deposit Rates” and “Lending Rates” objects are currently not returned for business and personal products.

6. In Account Details API, “Features” optional object  for the accounts is not returned for business and personal products.  

7. In Account Details API,  “Fee” optional object for the accounts is not returned for business and personal products. 

National Australia Bank Limited

Brand:

UBank

10. CDR v5 dashboard changes - to display the details of each authorisation’s amendment linked by cdr_arrangement_id - will be delivered prior to the obligation date of 1 July 2024. The following items, as uncovered by the CX guidance on 11 Apr 2024, will be delivered later.

• additional requirements regarding the latest/current authorisation details being part of the consent history
• details of the amendment in line with the date of amendment in the consent history
• highlighting of relevant area(s) changed in the amendment

Westpac Banking Corporation

Brand:

Westpac,

St.George

Bank of Melbourne,

Bank SA

Asgard

1. Secondary User Indication Rules

Westpac received guidance from the ACCC in a letter dated 26 October on the interpretation of rules concerning an account owner’s ability to restrict authorised Secondary Users from further data sharing for specific accredited persons.

Westpac have delivered functionality that allows an account owner to stop continuing data sharing consents authorised by secondary users to ‘an accredited person’. This functionality is in place for all currently delivered scope.

Westpac Banking Corporation

Brand:

Westpac

St George

BankSA

Bank of Melbourne

RAMS

2. Incorrect status impacting CDR authorisation

Westpac has identified that certain customers have an incorrect status listed on their profile, which in turn impacts CDR authorisation for those customers.

Westpac Banking Corporation

Brand:

Westpac

Westpac Banking Corporation

Brand:

Westpac

St.George

Bank of Melbourne

Bank SA

AMP Bank Ltd

Brand:

AMP Bank

4. Rule1.15(5)(b)(i) and Rule 4.6A(a)(ii) requirements – Ceasing secondary user data sharing.

Alternate functionality of allowing account holders to withdraw secondary user account sharing for specific authorisations was delivered on 23/6/23. 

Further implementation has been paused pending rules review.

1. Rule 1.15(5)(b)(i) and Rule 4.6A(a)(ii) requirements -Ceasing Secondary User Data Sharing

Implementation paused pending rules review

Australian Military Bank

Brand: RSL Money

2. Rule 1.15(5)(b)(i) and Rule 4.6A(a)(ii) requirements -Ceasing Secondary User Data Sharing

Implementation paused pending rules review

1. Rule 1.15(5)(b)(i) and Rule 4.6A(a)(ii) requirements - Ceasing Secondary User Data Sharing

Alternative functionality to be delivered - Delivered functionality that allows account holders to cease secondary user data sharing for a specific authorisation and also allows account holders to remove the secondary user permission completely.

Australian Unity Bank Limited

Brand:

Australian Unity Bank

1. Rule 1.15(5)(b)(i) and Rule 4.6A(a)(ii) requirements -Ceasing Secondary User Data Sharing

Implementation paused pending rules review

Auswide Bank Ltd

Brand: 

Auswide Bank

1. CDR Standards Release 1.29.0 Dashboard Customer Experience (CX) standards update:

• Amending authorisation details: Unable to display the details of each authorisations amendment on the consumer dashboard. (rule 1.15(3)(h))
• Data recipient handling details: A message advising customers to “check with the relevant data recipient for information about how their data may be handled.” is unable to be displayed.

3. Aspects of the Secondary User obligations for Data Holders relating to the ability of an Account Holder to block a Secondary User from sharing data from a specific account with a specific accredited person (i.e. Data Recipient).

Implementation paused pending rules review

B&E Limited

Brand:

Bank of us

3. Blocking sharing for specific ADRs in relation to secondary users not supported

Alternative functionality to be delivered

Bank Australia Ltd

Brand:

Bank Australia

1. Some fees with $0 value are missing on some Personal Loans, Credit Cards and Commercial Products.

1. Rule 1.15(5)(b)(i) and Rule 4.6A(a)(ii) requirements -Ceasing Secondary User Data Sharing

Implementation paused pending rules review

Bank of Queensland Ltd

Brands:

Bank of Queensland Ltd

Virgin Money

BOQ Specialist

DDH Graham

Bank of Queensland Ltd

Brands:

Bank of Queensland Ltd

Virgin Money

ME Bank - ME Go

Bank of Queensland Ltd

Brand:

BOQ Specialist

1. Rule 1.15(5)(b)(i) and Rule 4.6A(a)(ii) requirements - Ceasing Secondary User Data Sharing

Implementation paused pending rules review

Bendigo and Adelaide Bank Ltd

Brand:

Bendigo Bank

1. Accounts opened via a newly developed trial eBanking app will not initially have access to Open Banking, during a proof of concept trial period. 

2. Rule 1.15(5)(b)(i) and Rule 4.6A(a)(ii) requirements – Ceasing Secondary User Data Sharing

Implementation paused pending rules review

Beyond Bank Australia Ltd

Brand:

Beyond Bank

1. CDR v5 dashboard changes were introduced on 11 April 2024, which require displaying the details of each authorisation’s amendment linked by cdr_arrangement_id  with an obligation date of 1st July 2024.

2. Data Quality:

• When the Scheduled Payment API is called the following conditional fields are not being returned: “onceOff” and “intervalSchedule”.
• When the Get Account Details API is called the following fields are not returned:  “depositRate”, “lendingRate”, “feeAmount”, “feeDiscounts” and “additionalInfo” for fees. Also “isActivated” returns a true response for all features.

1. Amending authorisation details. CMCU will be unable to display the details of each authorisations amendment on the consumer dashboard (rule 1.15(3)(h)).
2. Data recipient handling details: CMCU is unable to display the message advising customers to “check with the relevant data recipient for information about how their data may be handled.

3. Rule 1.15(5)(b)(i) and Rule 4.6A(a)(ii) requirements - Ceasing Secondary User Data Sharing

Alternative functionality to be delivered

2.  Rule 1.15(5)(b)(i) and Rule 4.6A(a)(ii) requirements- Ceasing Secondary User Data Sharing

Implementation paused pending rules review

Coastline Credit Union Limited

Brand:

Coastline Credit Union

2. CDR v5 dashboard changes:

• additional requirements regarding the latest/current authorisation details being part of the consent history
• details of the amendment in line with the date of amendment in the consent history
• highlighting of relevant area(s) changed in the amendment

Community First Credit Union

Brand:

Community First Credit Union; Easy Street

1. CDR Release 1.29.0 - Dashboard CX standards update (Rule 1.15(3)(h))

• Amending authorisation details: Unable to display the details of each authorisations amendment on the consumer dashboard. (Rule 1.15(3)(h))
• Data recipient handling details: A message advising customers to “check with the relevant data recipient for information about how their data may be handled.” is unable to be displayed.

2. Rule 15(5)(b)(i) and Rule 4.6A(a)(ii) requirements - Ceasing Secondary User Data Sharing

Alternative functionality to be delivered

1. Stop Personal Delegate Sharing with Specific ADR.

Rule 1.15(5)(b)(i) and Rule 4.6A(a)(ii) requirements – Ceasing Secondary User Data Sharing

Alternative functionality to be delivered.

Credit Union SA Ltd

Brand: 

Credit Union SA

1. CDR v5 dashboard changes:

• additional requirements regarding the latest/current authorisation details being part of the consent history
• details of the amendment in line with the date of amendment in the consent history
• highlighting of relevant area(s) changed in the amendment

3. Rule 1.15(5)(b)(i) and Rule 4.6A(a)(ii) requirements - Ceasing Secondary User Data Sharing

Account holders will be unable to indicate that they no longer approve of data disclosure to a particular accredited person in response to a request made by a particular secondary user. 

Implementation paused pending rules review 

1. Rule 1.15(5)(b)(i) and Rule 4.6A(a)(ii) requirements - Ceasing Secondary User Data Sharing

Alternative functionality to be delivered

1. Rule 1.15(5)(b)(i) and Rule 4.6A(a)(ii) requirements- Ceasing Secondary User Data Sharing

Implementation paused pending rules review

1. CDR v5 dashboard changes - to display the details of each authorisation’s amendment linked by cdr_arrangement_id - was delivered to production prior to the 1 Jul 2024 obligation date. Consumers now have the ability to view and access all historical amendments made to each data sharing arrangement via a Consent History section in digital channels

However, the following items are an implementation gap to be delivered before 31 December 2024:

• additional requirements regarding the latest/current authorisation details being part of the consent history
• details of the amendment in line with the date of amendment in the consent history
• highlighting of relevant area(s) changed in the amendment

2. Rule 1.15(5)(b)(i) and Rule 4.6A(a)(ii) requirements- Ceasing Secondary User Data Sharing

Implementation paused pending rules review

1. CDR Standard v1.29.0 – Data Holder Dashboard CX Changes:

• Data Holder Dashboard: Amending authorisation details
• Data Holder Dashboard: Data recipient handling details

2. Rule 1.15(5)(b)(i) and Rule 4.6A(a)(ii) requirements - Ceasing Secondary User Data Sharing

Alternative functionality to be delivered

1. CDR Standard v1.29.0

• Amending authorisation details: Unable to display the details of each authorisations amendment on the consumer dashboard. (rule 1.15(3)(h))
• Data recipient handling details: A message advising customers to “check with the relevant data recipient for information about how their data may be handled.” is unable to be displayed.

2. Rule 1.15(5)(b)(i) and Rule 4.6A(a)(ii) requirements - Ceasing Secondary User Data Sharing

Alternative functionality to be delivered

Gateway Bank Ltd

Brand

Gateway Bank

1. CDR v5 dashboard changes - to display the details of each authorisation’s amendment linked by cdr_arrangement_id - was delivered to production prior to the 1 Jul 2024 obligation date. Consumers now have the ability to view and access all historical amendments made to each data sharing arrangement via a Consent History section in digital channels

However, the following items are an implementation gap to be delivered before 31st December 2024:

• additional requirements regarding the latest/current authorisation details being part of the consent history
• details of the amendment in line with the date of amendment in the consent history
• highlighting of relevant area(s) changed in the amendment

G&C Mutual Bank Limited

Brand:

 G&C Mutual Bank

CDR Standard v1.29.0

1. Our provider has not yet commenced testing of the v1.29.0 update and has advised we will likely not be able to have it installed prior to 30th September 2024.

   The following functionality will not be implemented prior to the compliance date of 1st July 2024:

• New Dashboard standard: Data holders MUST advise consumers to check with the relevant data recipient for information about how data recipients may handle their data
• Notify the Accredited Data Recipient that the Sharing Arrangement status has been set to ‘Revoked’.
• Notify the CDR Consumer that the arrangement is ‘Revoked’, or the accounts sharing approval has been removed, except for ineligibility arising from the authorising consumer’s death.
• Notify other joint account owners that the arrangement has been ‘Revoked’ where one of the account owners becomes ineligible.
• Record the ‘Revoked’ action on the Sharing Arrangement for display in the Consumer Dashboard.
• Flag the ineligible accounts as ‘Revoked’ on Sharing Arrangements authorised by other Account Owners and Secondary Users.

2. The paymentDueAmount field in the BankingCreditCardAccount schema is now populated with the same amount as the minPaymentAmount field: the minimum payment amount for the credit card account.

1. Product Reference Data Compliance - GetProductDetail Accuracy – Inaccurate Data Rule 2.4(3), Data Quality for Home_Loan-_Other_Real_Estate_Mortgage_Loans_(Variable)

2.Consumer Data  Standards Version 1.28.0 

3. Get Payee Detail

4. Consumer Data Standards Version 1.29.0 

5. Open Banking – Long 

6. Text Messages

7. Get Account Detail 

8. Get Metrics

9. Get Transactions For Account 

11. Product Comparator Transactions sent to Authorised Data Recipients 

12. Update Data Recipient Registration 

13. In reference to Compliance Assessment (ACCC-ACCCANDAER.FID3897645), Item 1.4 in relation to Home_Loan-_Other_Real_Estate_Mortgage_Loans_(Variable): GMCU is scheduled to launch its new website on Tuesday 10 September 2024, where the changes have been made to the Other Real Estate Mortgage Loan product to being a Business / Farm / Commercial product.

Product Reference Data Compliance - GetProductDetail Accuracy – Inaccurate Data Rule 2.4(3), Data Quality for Variable Owner-Occupied Home Loans - Equity Access

14. Rule 1.15(5)(b)(i) and Rule 4.6A(a)(ii) requirements - Ceasing Secondary User Data Sharing

Alternative functionality to be delivered

1. A single repayment made towards loans in arrears, is displayed as a single transaction in our channels but displayed as multiple transactions via the  API.

Heritage and People's Choice Ltd

Brand:

People's Choice Credit Union

1. Rule 2.4(3)(b) certain fees are missing for disclosures in respect of mortgage products.
2. Rule 4.6 certain fees are missing for disclosures in respect of residential mortgage products and credit card products, which are no longer publicly offered.
3. Rule 2.4(3)(b) details of frequency are missing for term deposits.

5. Secondary Users functionality to enable an account holder to permanently withdraw authority for a secondary user to share to a specified ADR entity are not available.

Functionality available to enable account holders to cease secondary user data sharing for a specific authorisation.

1. Delay in implementing changes to support the new Data Holder Dashboard CX standards for the Open Banking dashboard (1.29.0):

a) Amending authorisation details: Unable to display the details of each authorisations amendment on the consumer dashboard. (rule 1.15(3)(h))

b) Data recipient handling details: A message advising customers to “check with the relevant data recipient for information about how their data may be handled.” is unable to be displayed.

2. Account holder unable to cease data sharing to a particular accredited person in response to a request made by a secondary user (Rule1.15(5)(b)(i)).

Implementation paused pending rules review.

1. Data Quality:

1. When the Scheduled Payment API is called the following conditional fields are not being returned: “onceOff” and “intervalSchedule”.
2. When the Get Account Details API is called the following fields are not returned:  “depositRate”, “lendingRate”, “feeAmount”, “feeDiscounts” and “additionalInfo” for fees. Also “isActivated” returns a true response for all features.

2. Rule 1.15(5)(b)(i) and Rule 4.6A(a)(ii) requirements-Ceasing Secondary User Data Sharing.

Implementation paused pending rules review.

HSBC Bank Australia Limited

Brands:

HSBC 

HSBC Wholesale Banking

HSBC Bank Australia Limited

Brand:

HSBC Wholesale Banking

1. CDR Release 1.29.0

   Data Holder Dashboard CX standards update: changes to display the details of each authorisation’s amendment linked by cdr_arrangement_id.

2. FDO for data holders ignoring unsupported authorisation scopes

3. Rule 1.15(5)(b)(i) and Rule 4.6A(a)(ii) requirements- Ceasing Secondary User Data Sharing

Alternative functionality to be delivered

1. Amending authorisation details: Unable to display the details of each authorisations amendment on the consumer dashboard. (Rule 1.15(3)(h))

3. Rule 1.15(5)(b)(i) and Rule 4.6A(a)(ii) requirements- Ceasing Secondary User Data Sharing

Implementation paused pending rules review

2. Secondary User obligations for Data Holders relating to the ability of an Account Holder to block a Secondary User from sharing data from a specific account with a specific accredited person. Non-compliance with Rule 1.15(5)(b)(i) and Rule 4.6A(a)(ii) from Secondary Users/Nominated Representatives Nov 1 Update

Implementation paused pending rules review.

1. Rule 1.15(5)(b)(i) and Rule 4.6A(a)(ii) requirements - Ceasing Secondary User Data Sharing

Alternative functionality to be delivered

Macquarie Bank Ltd 

Brand: 

Macquarie Bank

1. CDR Data Rule 1.15(5)(b)(i) and Rule 4.6A(a)(ii) due 1 November 2022 – Secondary Users obligations (non- account holders) to share data on the account owner(s) behalf

Alternative functionality to be delivered

1. Rule 1.15(5)(b)(i) and Rule 4.6A(a)(ii) requirements- Ceasing Secondary User Data Sharing

Implementation paused pending rules review

MyState Bank Limited

Brand:

MyState Bank

1. Delayed delivery of Joint Accounts requirements

Newcastle Greater Mutual Group Limited

Brand:

Newcastle Permanent Building Society

1. Compliance with Rule 1.15(5)(b)(i) and Rule 4.6A(a)(ii) of the Competition and Consumer (Consumer Data Right) Rules 2022.

Alternative functionality to be delivered

4. Rule 2.4(3), Product Reference Data Quality:

• In relation to some home loan products within BankingProductRateTierV3, where more than one criteria (loan to value ratio and loan balance) applies in relation to eligibility for a particular interest rate, only one criteria is displayed in structured unitOfMeasure fields. The secondary criteria is described in the additionalInfo field.

1.  Rule 1.15(5)(b)(i) and Rule 4.6A(a)(ii) requirements- Ceasing Secondary User Data Sharing

Alternative functionality to be delivered

Northern Inland Credit Union Limited

Brand: 

Northern Inland Credit Union

1. CDR Standards 1.28 & 1.29 implementation

Orange Credit Union Ltd

Brand:

Orange Credit Union

2. Not supporting Decision Proposal #306 with CDR v1.28 which consists of:

• Get Products (v4) & Get Product Detail (v5)
• Get Account Detail (v4)

3. Rule 1.15 (5)(b)(b) and Rule 4.6A(a)(ii) requirements - Ceasing Secondary User Data Sharing

Implementation paused pending rules review

Police & Nurses Limited

Brands:

P&N Bank

bcu

2. End to End ID not shown in Get Transaction Detail.

3. CDR v5 dashboard changes - to display the details of each authorisation’s amendment linked by cdr_arrangement_id - was delivered prior to the obligation date of 1 July 2024.

Additional Items uncovered during CX Guideline review on the 9 April 2024:

Dashboard Enhancement on Consent History - Introduce additional text to the consent history page

5. Non-individuals - Ceasing secondary user sharing to specific ADR Rule 1.15(5)(b)(i) and Rule 4.6A(a)(ii) of the Competition and Consumer (Consumer Data Right) Rules 2020.

Alternative functionality has been delivered however rules are still under review.

1. Rule 1.15(5)(b)(i) and Rule 4.6A(a)(ii) requirements - Ceasing Secondary User Data Sharing

Alternative functionality to be delivered

1. CDR v1.28 -

Proposed changes in Consumer Data Right Standards v1.28.0 were released on 10th November 2023.

These standards include a ‘candidate’ release of the Non-Bank Lending standards which will have a significant impact when formalised however no date has yet been set and Ultradata are awaiting the next standards release.

Two changes have been flagged as requiring solution updates:

Get Products (v4) and Get Product Detail (v5)

Get Account Detail (v4) 
 

2. CDR v1.29 -

Proposed changes in Consumer Data Right Standards v1.29.0 were released on 21 Dec 2023.

The changes identified are from Decision Proposal #334: Added Dashboard Standards section to include detail for Data Holder Dashboards - in particular, a text change required for the Data Holder Dashboard which is required by 1st July 2024 and will require a solution update.

3. Rule 1.15(5)(b)(i) and Rule 4.6A(a)(ii) requirements - Ceasing Secondary User Data Sharing

Implementation paused pending rules review

QPCU Limited

Brand:

QBANK

5. Rule 1.15(5)(b)(i) and Rule 4.6A(a)(ii) requirements - Ceasing Secondary User Data Sharing

Alternative functionality to be delivered. Awaiting core banking provider.

Qudos Mutual Ltd

Brand:

Qudos Bank

1. CDR v5 dashboard changes:

• additional requirements regarding the latest/current authorisation details being part of the consent history
• details of the amendment in line with the date of amendment in the consent history
• highlighting of the relevant area(s) changed in the amendment

1. High Priority Tier not meeting the nominated threshold

3. The functionality for an Account Holder to block their Secondary User from data sharing from an account with a specified Accredited Data Recipient is currently unavailable.

Implementation paused pending rules review

Railways Credit Union Limited 

Brand:

MOVE bank

1. MOVE Bank’s Core Banking vendor has advised that there are delays in implementing changes to support the new Data Holder Dashboard Customer Experience (CX) standards for the Open Banking dashboard (1.29.0) until the Proposed Resolution Date.

The above will impact the following obligations which are due to be effective 1 July 2024:

• Amending authorisation details: Unable to display the details of each authorisation’s amendment on the consumer dashboard. (rule 1.15(3)(h))
• Data recipient handling details: A message advising customers to “check with the relevant data recipient for information about how their data may be handled.” is unable to be displayed.

2. Product data fields are missing in GetAccountDetail call response.

3. Historical transactions older than around three years are not being shared.

4. Term deposit details are missing in GetAccountDetail API response.

5. ScheduledPayment nickname is not being shared.

7. Rule 1.15(5)(b)(i) and Rule 4.6A(a)(ii) requirements - Ceasing Secondary User Data Sharing

Implementation paused pending rules review

2. Proposed changes in Consumer Data Right Standards v1.29. Core Banking provider is still conducting user acceptance testing and not made a solution available for Southern Cross Credit Union.

3. Consumer Data Right Standards v1.28. Core Banking provider is still conducting user acceptance testing and not made a solution available for Southern Cross Credit Union.

Data Holders must implement the following CX Standards by 1 July 2024:

• Data Holder Dashboard: Amending authorisation details
• Data Holder Dashboard: Data recipient handling details
   

4. Rule 1.15(5)(b)(i) and Rule 4.6A(a)(ii) requirements - Ceasing Secondary User Data Sharing

Alternative functionality to be delivered

1. Rule 1.15(5)(b)(i) and Rule 4.6A(a)(ii) requirements - Ceasing Secondary User Data Sharing

Alternative functionality to be delivered

Teachers Mutual Bank Limited

Brand: 

Teachers Mutual Bank

Firefighters Mutual Bank

Health Professionals Bank

Hiver Bank

Unibank

1. Implementation of CX Standard 5CM1.00.28 requiring advice to consumers on the consumer dashboard to check with the relevant data recipient for information about how their data may be handled is not yet available

2. Rule 1.15(5)(b)(i) and Rule 4.6A(a)(ii) requirements- Ceasing Secondary User Data Sharing

Implementation paused pending rules review

1.The following items, as uncovered by the CX guidance on 11 Apr 2024:

• additional requirements regarding the latest/current authorisation details being part of the consent history
• details of the amendment in line with the date of amendment in the consent history
• highlighting of relevant area(s) changed in the amendment

 2. Transaction long description (Teller Journal Transactions) (780)

3. NPP End to end ID missing - Get Transaction Detail (572)

4. PRD Fixed Term Deposits and Interest Rate/Term Tiers

1. Rule 1.15(5)(b)(i) and Rule 4.6A(a)(ii) requirements - Ceasing Secondary User Data Sharing

Implementation paused pending rules review

1. CDR Standard v1.29.0 – Data Holder Dashboard CX Changes:

Data Holder Dashboard: Amending authorisation details

2. CDR Standard v1.28 -

Proposed changes in Consumer Data Right Standards v1.28.0 were released on 10th November 2023.

These standards include a ‘candidate’ release of the Non-Bank Lending standards which will have a significant impact when formalised however no date has yet been set and Ultradata are awaiting the next standards release.

Two changes have been flagged as requiring solution updates:

• Get Products (v4) and Get Product Detail (v5)
• Get Account Detail (v4) 

3. Non-individuals - Ceasing secondary user sharing to specific ADR Rule 1.15(5)(b)(i) and Rule 4.6A(a)(ii) of the Competition and Consumer (Consumer Data Right) Rules 2020.

Alternative functionality to be delivered

Unity Bank Limited

Brands:

Unity Bank

Reliance Bank

1. CDR Standard v1.29.0

Vendor testing is delayed and therefore our testing in our development environment to meet this standard, has been delayed.

The following functionality therefore cannot be implemented by 1 July 2024:

• New Dashboard standard: Data holders MUST advise consumers to check with the relevant data recipient for information about how data recipients may handle their data
• Notify the Accredited Data Recipient that the Sharing Arrangement status has been set to ‘Revoked’.
• Notify the CDR Consumer that the arrangement is ‘Revoked’, or the accounts sharing approval has been removed, except for ineligibility arising from the authorising consumer’s death.
• Notify other joint account owners that the arrangement has been ‘Revoked’ where one of the account owners becomes ineligible.
• Record the ‘Revoked’ action on the Sharing Arrangement for display in the Consumer Dashboard.
• Flag the ineligible accounts as ‘Revoked’ on Sharing Arrangements authorised by other Account Owners and Secondary Users.
• The paymentDueAmount field in the BankingCreditCardAccount schema is now populated with the same amount

2. Existing software does not cater for Rule 1.15 (5)(b)(i) and Rule 4.6A(a)(ii) in relation to account holders ceasing a sharing arrangement to a data recipient made by a secondary user

Alternative functionality to be delivered

1. Rule 1.15(5)(b)(i) and Rule 4.6A(a)(ii) requirements - Ceasing Secondary User Data Sharing

Implementation paused pending rules review

WAW Credit Union Co-Operative Ltd

Brand:

bankWAW

1. CDR v1.29 - Proposed changes in Consumer Data Right Standards v1.29.0 were released on 21 Dec 2023.

The changes identified are from Decision Proposal #334: Added Dashboard Standards section to include detail for Data Holder Dashboards - in particular, a text change required for the Data Holder Dashboard which is required by 1st July 2024 and will require a solution update

3. Rule 1.15(5)(b)(i) and Rule 4.6A(a)(ii) requirements - Ceasing Secondary User Data Sharing

Alternative functionality to be delivered

Woolworths Team Bank Limited

Brand:

Woolworths Team Bank

1. Rule 2.4(3), Data Quality

Inaccurate Product Data being returned, did not include information regarding fees, however the information is available on our website.

2. Rule 2.4(3) Data Quality
Inaccurate Product Reference Data related to Home Loan Interest rates and LVR being returned.

Information returned did not use the structured field as required by the standard.

3. Rule 1.15(5)(b) (i) and Rule 4.6A(a)(ii) requirements - Ceasing Secondary User Data Sharing

Alternative functionality to be delivered

Blue NRG Pty Ltd

Brand:

Blue NRG

1. Blue NRG acknowledges a delay in meeting the obligations outlined in Rule 4.6(4) of Part 4 of the Rules, which require the disclosure of necessary consumer data pertaining to accredited consumer data requests.

On 29 April 2024, Blue NRG submitted a Rectification Schedule addressing delays in meeting its Consumer Data Right (CDR) obligations due to challenges encountered during the implementation of the Flux billing solution, with a proposed resolution date of 1 June 2024. In line with this timeline, by 31 May 2024, Blue NRG passed all internal tests and received ACCC approval as compliant with its CDR obligations. However, thereafter, Blue NRG identified ongoing non-compliance issues stemming from the FLEXIBILL component of Flux billing system, impeding Blue NRG's progress towards achieving full compliance with CDR requirements for complex requests.

Ergon Energy Queensland Pty Ltd

Brand:

Ergon Energy Retail

1. Rule 1.15(5)(b)(i) and Rule 4.6A(a)(ii) requirements- Ceasing Secondary User Data Sharing

Implementation paused pending rules review.