ACCC & DSB | CDR Implementation Call Agenda & Meeting Notes | 12th of October 2023
When: Weekly every Thursday at 3pm-4:30pm AEDT
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We acknowledge the Traditional Custodians of the various lands on which we work today and the Aboriginal and Torres Strait Islander people participating in this call.
We pay our respects to Elders past, present and emerging, and recognise and celebrate the diversity of Aboriginal peoples and their ongoing cultures and connections to the lands and waters of Australia.
The Consumer Data Right Implementation Calls are recorded for note taking purposes. All recordings are kept securely, as are the transcripts which may be made from them. No identifying material shall be provided without the participant's consent. Participants may [email protected] should they have any further questions or wish to have any material redacted from the record.
By participating in the Consumer Data Right Implementation Call you agree to the Community Guidelines. These guidelines intend to provide a safe and constructive space for members to discuss implementation topics with other participants and members of the ACCC and Data Standards Body.
⭐ indicates change from last week.
| Type | Topic | Update |
|---|---|---|
| Standards ⭐ | Version 1.27.0 | Published: 10th October 2023 Change log |
| Maintenance ⭐ | Maintenance Iteration 17 | Met on the 4th of October 2023 Next meet on the 18th of October 2023 |
| Maintenance | Maintenance Iteration 17 | All agendas and meeting minutes |
| DSB Newsletter | To subscribe to DSB Newsletter | Link here |
| DSB Newsletter ⭐ | 6th of October 2023 | View in browser here |
| Consultation | Decision Proposal 229 - CDR Participant Representation | Placeholder: no close date Link to consultation |
| Consultation | Noting Paper 280: The CX of Authentication Uplift | No Close Date Link to consultation |
| Consultation | Noting Paper 307 - LCCD Consultation Approach | No Close Date Link to consultation Video |
| Consultation | Noting Paper 308 - Categories of Standards | No Close Date Link to consultation |
| Consultation | Decision Proposal 276 - July 2023 Rules & Standards Impacts | 20th October 2023 Link to consultation |
| Consultation | Decision Proposal 327 - Authentication Uplift Phase 1 | 24th October 2023 Link to consultation |
| Consultation | Noting Paper 323 - NFR Workshops | Link to consultation |
| Video ⭐ | 78 CX Guidelines Site Update - narrated by Jarryd Judd (06/10/2023) | Data Standards Body YouTube Channel |
| Video ⭐ | 79 Decision Proposal 327 - narrated by Jarryd Judd (12/10/2023) | Data Standards Body YouTube Channel |
| Engineering ⭐ | Type Definition Library: A new update has been released as version 7.1.0. | See latest NPM package. |
| Engineering ⭐ | JS Holder SDK (Demo): The Github repository has been updated to align to CDS version (1.26.0). | Github repository |
| Engineering ⭐ | Test Data Cli: The Github repository has been updated to align to CDS version (1.26.0). See latest NPM package. | Test Data Cli: The Github repository |
| Survey | End of the year! Question to everyone on the Call: When do we want to stop the call in 2023? And when to pick it back up again in 2024? |
2 question survey CDR Implementation Call 2023-2024 |
Provides a weekly update on the activities of each CDR stream and their work.
| Organisation | Stream | Member |
|---|---|---|
| ACCC | Register and Accreditation Application Platform | Eva |
| ACCC | Conformance Test Suite | Christian |
| DSB | Consumer Experience | Michael |
| DSB | Register Standards | James |
Topic: Decision Proposal 276 - July 2023 Rules & Standards Impacts
Presented by: Amy from the Data Standards Body
Link: Decision Proposal 276 - July 2023 Rules & Standards Impacts
Topic: Updated ACCC/OAIC Compliance and Enforcement Policy for the Consumer Data Right
Presented by: ACCC and OAIC
Link: ACCC/OAIC Compliance and Enforcement Policy for the Consumer Data Right
Questions will be received by the community via Microsoft Teams chat before the questions are opened to the floor. Participants can submit questions outside of the CDR Implementation Call to the CDR Support Portal.
In regards to topics for questions, we ask the participants on the call to consider the Community Guidelines when posing questions to the subject matter experts.
| Ticket # | Question | Answer |
|---|---|---|
| 2121 | Thank you for the additional information. Just to confirm my understanding, you’re saying if a customer has no access to Internet Banking to access any of their accounts then they are still eligible CDR consumers ? In this case, it’s not the individual accounts that are blocked, it’s the customer’s access to internet banking. I believe rules 3.5 and 4.7 relates to blocked or suspended accounts, not suspended/blocked Internet Banking. There’s a big difference here. When Internet Banking is blocked and the customer cannot login, this means they cannot access their consumer dashboard or DOMS which is usually located within Internet Banking. |
Thanks for your follow up question and apologies for any confusion. We agree that a temporary inability to access online banking does not necessarily mean a specific account has been blocked or suspended. However, our view regarding the impact on consumer eligibility remains the same. That is, a consumer remains eligible where their online access to an account is temporarily disabled. This is because, at this time, the account is still set up, or designed, to be accessible online, as is required by clause 2.1(1) of Schedule 3 to the rules. |
| 2124 | I represent an Australian organisation that provides Margin Lending/Portfolio Lending products to customers and I'm looking for some clarification as to whether these product types are in scope for the Non Bank Lending phase of CDR. | As you have indicated, a loan for an investment is currently a phase 3 product and considered an in-scope product for CDR in the banking sector (see clause 1.4 of Schedule 3 to the CDR Rules). Treasury has just completed consultation on the exposure draft rules to expand CDR to the non-bank lending sector. The exposure draft rules propose to include loans for an investment as covered products in both the banking and non-bank lending sectors. Hence, products relating to loans for an investment may be considered in-scope products for the non-bank lending sector and be subject to data sharing obligations for affected non-bank lenders if the relevant requirements in the CDR Rules are met. Note these rules have not yet been made. Please refer to Treasury’s website for further information on the expansion of CDR to the non-bank lending sector. |
| 2127 | We are hoping you can point us to the location of the documentation relating to specific obligations and penalties for our BAU teams to log. | You and your team can find details about CDR specific obligations and penalties within Part IVD of the Competition and Consumer Act 2010, the CDR Rules, and the Consumer Data Standards. The Quick Reference Guide to finding key documents in the CDR legislative framework may also assist in locating other instruments that should be read in conjunction with the above including sector designation instruments and relevant CDR regulations. We note that CDR participants are responsible for ensuring their own compliance with CDR obligations and recommend CDR participants seek independent advice on how best to achieve compliance in their specific circumstances. However, we hope that the above information assists you. |
Attendees are invited to raise topics related to the Consumer Data Right that would benefit from the DSB and ACCCs' consideration.
View a number of informative and useful links in the Consumer Data Standards Guide on Information Links.
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