Following the registration of Treasury Laws Amendment (Consumer Data Right) Act 2024, the name ‘Data Recipient Accreditor’ has changed to ‘CDR Accreditor’. We are working towards making this name change in all ACCC documentation, guidelines and online information. Until this is completed, the term ‘Data Recipient Accreditor’ should be read as a reference to ‘CDR Accreditor’. The name change does not change the functions and powers of the CDR Accreditor or impact applications, data recipients, data holders or consumers. |
About the schedule
The ACCC monitors and enforces compliance with the CDR obligations set out in the Competition and Consumer Act 2010 (Cth), the Competition and Consumer (Consumer Data Right) Rules 2020 (the CDR Rules) and the Consumer Data Standards.
Data holders’ obligations commenced on various dates - see the CDR rollout.
Some data holders have received an exemption from certain obligations under s56GD of the Act. The CDR exemptions register lists all exemptions granted.
This rectification schedule sets out information provided by data holders to the ACCC. We have published this information to provide a reference for accredited data recipients and consumers regarding potential issues in data holders’ CDR implementations.
We expect data holders to promptly rectify their non-compliance or face possible enforcement consideration in line with the ACCC/OAIC Compliance and Enforcement Policy for the Consumer Data Right. Listing an issue on this rectification schedule does not preclude the ACCC from pursuing compliance or enforcement action in-line with this policy.
Data holders that are not currently active on the CDR Register and do not have an exemption from this requirement are listed in a separate rectification schedule.
This table is current as at 6 June 2025.
Banking - major data holders
The data holders listed in the table below are the four major data holders and their non-primary brands.
Data holder (brand) | Issue | Proposed resolution date |
---|---|---|
Commonwealth Bank of Australia (CBA) Brands: CommBank and CommBiz |
1. Enablement of CDR data sharing for certain accounts under the ‘Trading Entity, Business Name’ customer profile type. CBA is working to enable CDR data sharing for certain accounts accessed via 'CommBiz' and ‘NetBank’ and held under a ‘Trading Entity Business Name’ customer profile type. | TBC |
Data holder (brand) | Issue | Proposed resolution date |
---|---|---|
National Australia Bank Limited Brand: National Australia Bank |
1. 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. 2. In Account Details API, “Features” optional object for the accounts is not returned for business and personal products. 3. In Account Details API, “Fee” optional object for the accounts is not returned for business and personal products. |
TBC |
National Australia Bank Limited Brand: UBank |
4. The merchantName field is not being populated in the Get Transactions for Account API. | 30 June 2025 |
5. Due to an internal error, GetMetrics API is intermittently failing to provide required data. | 31 July 2025 | |
6. accountId field does not currently meet ID Permanence Standards | 30 September 2025 |
Banking - non-major data holders
Data holder (brand) | Issue | Proposed resolution date |
---|---|---|
AMP Bank Ltd Brand: AMP - Mobile Banking |
|
TBC |
Australian Mutual Bank Ltd Brand: Australian Mutual Bank |
|
31 July 2025 |
Australian Unity Bank Ltd Brand: Australian Unity Bank |
|
16 November 2025 |
2. Supporting Authorization Code Flow (ACF) | 16 November 2025 | |
3. LVR Minimum & Maximum values in Product Definitions | 16 November 2025 | |
Auswide Bank Ltd Brand: Auswide Bank Ltd |
|
25 June 2025 |
2. Delay in rollout of v1.33.0 item retiring existing hybrid protocol and supporting Authorisation Code Flow (ACF) | 31 July 2025 | |
B & E Ltd Brand: Bank of us |
1. Product fee accrualFrequency incorrect format | 30 June 2025 |
2. CDR release 1.33.0 – Authorisation Code Flow | 14 July 2025 | |
3. Rate tier information (BankingProductRateTierV3) not utilised as per Rule 2.4(3)(b) | TBC | |
Bank Australia Limited Brand: Bank Australia |
|
31 July 2025 |
Bank of Queensland Ltd Brands: Bank of Queensland Ltd Virgin Money BOQ Specialist DDH Graham |
1. Customers on legacy platforms do not experience commensurate latency | TBC |
Beyond Bank Australia Limited Brand: Beyond Bank Australia |
|
TBC |
2. We have identified that Beyond Bank does not provide the ‘Merchant Name’ field in transaction responses when calling the Get Transactions for Account API. | 31 July 2025 |
Data holder (brand) | Issue | Proposed resolution date |
---|---|---|
Central Murray Credit Union Limited Brand: Central Murray Credit Union Limited |
|
14 July 2025 |
Central West Credit Union Limited Brand: Central West Credit Union |
1. CDR Standards v1.33.0 - Retirement of existing hybrid protocol and only supporting Authorization Code Flow from 12 May 2025 will be delayed. | 31 July 2025 |
Coastline Credit Union Limited Brand: Coastline Credit Union |
|
14 July 2025 |
Community First Credit Union Limited Brands: Illawarra Credit Union Limited Easy Street Community First Bank |
|
14 July 2025 |
Credit Union SA Ltd Brand: Credit Union SA |
1. Missing transaction long description | 30 June 2025 |
2. Get Metrics v5 Error Metrics Documentation The change relates to error codes caused by ADRs in the 400 range. |
14 July 2025 |
Data holder (brand) | Issue | Proposed resolution date |
---|---|---|
First Option Bank Limited Brand: First Option Bank |
|
14 July 2025 |
Ford Co-operative Credit Society Limited | 1. Invalid format for accrualFrequency on all product fees | 30 June 2025 |
Ford Co-operative Credit Society Limited Brand: Geelong Bank |
2. CDR Release 1.33.0 Authorisation Code Flow | 14 July 2025 |
Gateway Bank Limited Brand: Gateway Bank |
|
14 July 2025 |
G&C Mutual Bank Limited Brand: G&C Mutual Bank |
1. LVR Tier Structured Data: GetProductDetail Accuracy – Inaccurate Data: Rule 2.4(3), Data Quality | 1 July 2025 |
2. Interest Application Frequency for Term Deposits: GetProductDetail Accuracy – Inaccurate Data | 1 July 2025 | |
3. Invalid format for accrualFrequency on all product fees | 1 July 2025 |
Data holder (brand) | Issue | Proposed resolution date |
---|---|---|
Heartland Bank Australia Limited Brand: Heartland |
1. Missing interest component for savings and transactional accounts | 30 June 2025 |
Heritage and People's Choice Ltd Brand: Heritage Bank |
1. Rule 4.22A – Amendment of data sets for consents authorised prior to 24 October 2024, in respect of Heritage Bank branded products, is unavailable. | 25 October 2025 |
Horizon Credit Union Limited Brand: Horizon Bank |
|
31 July 2025 |
HSBC Bank Australia Limited Brand: HSBC HSBC Bank Australia Limited – Wholesale Banking |
1. Implementation of Get Transaction Detail V2 | 30 June 2026 |
Liberty Financial Pty Ltd Brand: Liberty Financial |
1. Secondary user functionality (Rules 1.13(1)(e) and 1.15(5)) Products not designed for secondary user functionality. Manual functionality available in limited circumstances (where necessary). | TBC |
Macarthur Credit Union Limited Brand: The Mac |
|
31 July 2025 |
MyState Bank Limited Brand: MyState Bank |
1. Missing amounts in the Get Transactions For Account API | 29 August 2025 |
Newcastle Greater Mutual Group Limited Brand: Greater Bank |
1. When applying Rule 1.10B & Part 2 of Schedule 3, CDR Consumer Eligibility is determined at the Brand level (Newcastle Permanent and Greater Bank) not the Legal Entity level (NGM Group). | TBC |
Newcastle Greater Mutual Group Limited Brand: |
2. CDR v5 dashboard changes to display the details of each authorisation’s amendment linked by cdr_arrangement_id | TBC |
3. Rule 2.4(3), Product Reference Data Quality:
|
30 June 2025 | |
Northern Inland Credit Union Limited Brand: Northern Inland Credit Union |
|
31 July 2025 |
Data holder (brand) | Issue | Proposed resolution date |
---|---|---|
Orange Credit Union Limited Brand: Orange Credit Union Limited |
|
14 July 2025 |
Police & Nurses Limited Brands: P&N Bank bcu |
1. End to End ID not shown in Get Transaction Detail on rare instances.
|
31 July 2025 |
2. Get Metrics v5 Error Metrics Documentation The change relates to error codes caused by ADRs in the 400 range. |
31 July 2025 | |
3. merchantName missing from Get Transaction from Account API | 31 July 2025 | |
4. High Performance API’s not within threshold limit | TBC | |
QPCU Limited Brand: QBANK |
1. Rule 2.4(3)(b) - Data Quality: All info available via other channels must be included in response
|
TBC |
2. Fees ‘accrualFrequency’ does not conform with ISO8601 Duration standards | TBC | |
3. Inaccurate rate disclosure of fixed “5.49%” in product “CLASSIC_HOME_LOAN_OO_PNI” | TBC | |
Queensland Country Bank Limited Brand: Queensland Country Bank |
|
31 July 2025 |
Data holder (brand) | Issue | Proposed resolution date |
---|---|---|
Regional Australia Bank Ltd Brand: Regional Australia Bank |
1. Term deposit details are missing in GetAccountDetail API response. | 30 June 2025 |
Southern Cross Credit Union Limited Brand: Southern Cross Credit Union |
|
14 July 2025 |
Data holder (brand) | Issue | Proposed resolution date |
---|---|---|
Warwick Credit Union Limited Brand: Warwick Credit Union |
|
31 July 2025 |
Woolworths Team Bank Limited Brand: Woolworths Team Bank |
|
14 July 2025 |