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 2 October 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 |
2. CDR data sharing for certain accounts accessed via 'CommBiz' and ‘NetBank’ that are held:
|
TBC | |
Commonwealth Bank of Australia (CBA) Brands: CommBiz |
3. Enablement of data sharing for accounts held by individuals or sole traders in the CommBiz digital channel. | TBC |
Data holder (brand) | Issue | Proposed resolution date |
---|---|---|
National Australia Bank Limited Brand: National Australia Bank |
1. Issues with the time stamp returned for NPP transactions in the ‘Get Transactions for Account’ API. | TBC |
National Australia Bank Limited Brand: UBank |
2. 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 Bank GO |
|
TBC |
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 | |
Bank Australia Limited Brand: Bank Australia Qudos Bank |
|
30 September 2025 |
B & E Ltd Brand: Bank of us |
1. Product fee accrualFrequency incorrect format
|
TBC |
2. Establish and maintain consumer consent | 30 November 2025 | |
3. Rate tier information (BankingProductRateTierV3) not utilised as per Rule 2.4(3)(b) | 31 October 2025 | |
4. Disclosure of product data through the product data request service | 30 November 2025 | |
Bank of China (Australia) Limited Brands: Bank of China |
|
30 June 2026 |
Bank of Queensland Limited Brands: Bank of Queensland Limited |
|
TBC |
Bank of Queensland Limited Brands: Bank of Queensland Limited Virgin Money BOQ Specialist DDH Graham |
2. Customers on legacy platforms do not experience commensurate latency | TBC |
Beyond Bank Australia Limited Brand: Beyond Bank Australia |
1. PRD RepaymentType is shown as Principal and Interest rather than Interest Only. | 31 December 2025 |
2. High Performance APIs not within threshold limit | TBC | |
BNK Banking Corporation Limited Brand: BNK Bank (Goldfields Money/BCHL) |
|
30 March 2026 |
2. CDR arrangement for Secondary Users cannot be accommodated by definition because Secondary Users do not exist within the Core Banking Systems of BNK | 30 June 2027 | |
3. Phase 1 - The 24-hour delay in certain CDR data availability due to old version (R16) of existing Core Banking System (T24) | 31 December 2028 | |
The Broken Hill Community Credit Union Limited Brand: Broken Hill Bank |
|
September 30 2025 |
Data holder (brand) | Issue | Proposed resolution date |
---|---|---|
Central Murray Credit Union Limited Brand: Central Murray Bank |
1. CDR release 1.33.0 – Authorisation Code Flow | 31 October 2025 |
Coastline Credit Union Limited Brand: Coastline Bank |
1. AccountId does not currently meet ID permanence standards | 30 September 2025 |
Community First Credit Union Limited Brands: Illawarra Credit Union Limited Easy Street Community First Bank |
1. CDR Standards v1.33.0 - Retirement of existing hybrid protocol and only supporting Authorization Code Flow from 12 May 2025 will be delayed. | 30 September 2025 |
Defence Bank Limited Brand: Defence Bank |
1. accountId field does not currently meet ID Permanence Standards | 30 September 2025 |
Data holder (brand) | Issue | Proposed resolution date |
---|---|---|
Fire Service Credit Union Limited Brand: Fire Service Credit Union |
|
30 September 2025 |
Ford Co-operative Credit Society Limited Brand: Geelong Bank |
1. Invalid format for accrualFrequency on all product fees | 30 September 2025 |
2. CDR Release 1.33.0 Authorisation Code Flow | 30 September 2025 | |
Goulburn Murray Credit Union Co-operative Limited Brand: GMCU |
1. Retire existing hybrid protocol and only support Authorization Code Flow | 31 October 2025 |
Data holder (brand) | Issue | Proposed resolution date |
---|---|---|
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 |
|
30 September 2025 |
2. Data Standards v1.33.0 #657 - Get Product Detail; unable to support Min and Max LVR values. | 30 September 2025 | |
3. Data Standards v1.33.0 #664 - Get Transaction Detail; changes required to NPP Service Overlays. | 30 Septmeber 2025 | |
HSBC Bank Australia Limited Brand: HSBC HSBC Bank Australia Limited – Wholesale Banking |
1. Implementation of Get Transaction Detail V2 | 30 June 2026 |
Judo Bank Pty Ltd Brand: Judo Bank |
|
30 November 2025 |
2. The product data request service for our Term Deposit product does not delineate between Personal, SMSF and Business term deposit channels on the basis that the underlying product (including interest rates) are the same. For greater granularity, we are proposing to include all three channels separately via the product data request service. | 30 October 2025 | |
Laboratories Credit Union Limited Brand: Laboratories Credit Union |
1.1.30 Delay in vendor delivery | 31 October 2025 |
2. 1.31 Delay in vendor delivery | 31 October 2025 | |
3. 1.33 Delay in vendor delivery | 31 October 2025 | |
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 |
MyState Bank Limited Brand: MyState Bank |
1. Missing amounts in the Get Transactions For Account API | 28 November 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 |
Data holder (brand) | Issue | Proposed resolution date |
---|---|---|
Police & Nurses Limited Brands: P&N Bank BCU |
1. High Performance API’s not within threshold limit | TBC |
QPCU Limited Brand: QBANK |
1. The Fee ‘accrued Rate’ filed is not displayed in API | 31 December 2025 |
Data holder (brand) | Issue | Proposed resolution date |
---|---|---|
Rabobank Australia Limited Brand: Rabobank |
1. Online Savings: All applicable tiers are not being shared. Currently sharing only the tier associated with the current account balance. | 31 March 2026 |
2. Online Savings: All applicable rates should be shared. Currently sharing only the rate applicable to the first balance tier. | 31 March 2026 | |
3. Online Savings: The overall deposit rate should be shared. If more than one balance tier is applicable, it must be the weighted average interest rate. Currently sharing an incorrect overall deposit interest rate if more than one balance tier is applicable. | 31 March 2026 | |
4. Online Savings: The correct applicable balance range of 0 to 250,000 should be shared. Currently Sharing an incorrect balance range if the introductory bonus and more than one balance tier is applicable. | 31 March 2026 | |
5. Farm Business: The deposit rate tiers should not be shared because the CB accounts have a single interest rate which applies to the entire balance. Currently sharing only one tier which is associated to the current account balance. | 31 March 2026 | |
Regional Australia Bank Ltd Brand: Regional Australia Bank |
1.Term Deposit Details are missing in GetAccountDetail API Response | 30 September 2025 |
Southern Cross Credit Union Limited Brand: Southern Cross 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 October 2025 |
Data holder (brand) | Issue | Proposed resolution date |
---|---|---|
Transport Mutual Credit Union Limited Brand TMCU |
1.v1.33.0; retire existing hybrid protocol and supporting Authorisation Code Flow (ACF) | TBC |
Unity Bank Limited | 1. LVR Tier Structured Data: GetProductDetail Accuracy – Inaccurate Data: Rule 2.4(3), Data Quality | 9 October 2025 |
2. Interest Application Frequency for Term Deposits: GetProductDetail Accuracy – Inaccurate Data | 9 October 2025 | |
3. Invalid format for accrualFrequency on all product fees | 9 October 2025 | |
4. CDR Standards v1.30.0, v1.32.0 and v1.33.0 | 9 October 2025 | |
Warwick Credit Union Limited Brand: Darling Downs Bank |
|
30 September 2025 |
Woolworths Team Bank Limited Brand: Woolworths Team Bank |
|
30th April 2026 |
Energy - data holders
The data holders listed in the table below are the energy data holders and their non-primary brands.
Brand: Aurora Energy |
|
30 June 2026 |