CDR Rules

The Competition and Consumer (Consumer Data Right) Rules 2020 (CDR Rules) facilitate the implementation of Consumer Data Right across the economy. The CDR Rules cover a wide range of topics including the accreditation process, the use and disclosure of CDR data, dispute resolution, and the privacy safeguards.

The ACCC made the foundational rules for CDR in February 2020. Consumer data sharing obligations in the banking sector started in July 2020, and are being rolled out progressively to the energy sector. Non-bank lending is set to follow as the next sector.

Rule-making powers were transferred from the ACCC to Treasury in February 2021. When making the CDR Rules Treasury must take into account their likely effect on the interests of consumers, the efficiency of relevant markets, the privacy and confidentiality of consumers’ information, and the regulatory impact.

The CDR Rules should be read in conjunction with the following:

  • the Competition and Consumer Act 2010, particular Part IVD of the Act, which sets out the general framework for how the consumer data right works, and related regulations
  • sector designation instruments
  • guidelines made by the Information Commissioner
  • Consumer data standards

Current consolidated version of the CDR Rules

The consolidated version of the CDR Rules, incorporating all current amendments, can be found on the Federal Register of Legislation.

Quick reference guide

This document is designed to help CDR participants readily locate and access the various iterations of the CDR Rules as well as other key CDR legislative framework material (e.g. CDR designation instruments and CDR regulations) and related explanatory materials.