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ACCC & DSB | CDR Implementation Call Agenda & Meeting Notes | 1st of February 2024

CDR-Engagement-Stream edited this page Feb 1, 2024 · 10 revisions

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Agenda & Meeting Notes

When: Weekly every Thursday at 3pm-4:30pm AEDT
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Agenda

  1. Introductions
  2. House Keeping
  3. Updates
  4. CDR Stream updates
  5. Presentation
  6. Q&A
  7. Any other business

Introductions

1ImpCallHeaders

  • 5 min will be al lowed for participants to join the call.

Acknowledgement of Country

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.

House Keeping

Recording

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.

Community Guidelines

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.

Updates

⭐ indicates change from last week.

Type Topic Update
Standards Version 1.29.0 Published: 21st December 2023
Change log
Maintenance Maintenance Iteration 18 commences 7th February 2024 Invitations issued
Please reach out to [email protected] for an invitation
DSB Newsletter To subscribe to DSB Newsletter Link here
DSB Newsletter ⭐ 19th of January 2024 View in browser here
Consultation Decision Proposal 229 - CDR Participant Representation Placeholder: no close date
Link to consultation
Consultation Noting Paper 279 - Accessibility Improvement Plan No Close Date
Link to consultation
Consultation Noting Paper 323 - NFR Workshops Link to consultation
Engineering ⭐ JS Holder SDK: The Github Repo has been updated to align to CDS version (1.28.0). The relevant NPM package has been released in the NPM registry.

CDR Stream Updates

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 & Participant Tooling Christian
DSB Consumer Experience Michael
DSB Engineering Sumaya

Presentation

None this week.

Q&A

Questions on Notice

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.

Answer provided

Ticket # Question Answer
2195 Part 1 As per the CDS, the maximum page size is 1000 records. I just want to confirm that an ADR can call the 'Get Billing For Account' endpoint with a page size of 1000 records and the threshold is 1.5 seconds? For simplicity, lets assume this is the only API that hour.
If so, is it possible to set our own max page size that is determined by what we know our system can achieve for the nominated thresholds? (It would be higher than the default of 25)
No, the max page size is defined in the standards specifically to avoid data holder specific page size caps.
2195 Part 2 Was it designed so that a request for 1000 records would be an outliner and therefore would likely fall into the 5% of calls w.r.t performance requirements?
It would be quite ambitious to design for every request to be 1000 records. Have any other data holders raised concerns about this?
It was actually designed that way to allow for batch (or non-interactive) requests. These can be identified by the DH and have a different response time expectation on purpose.
If an ADR is requested 1000 records per page in an interactive context then I dread to see their user experience and I would suspect it would be breach of their 'don't be anti-social' NFR. Is that occurring currently?
2218 The previousDays property is an array of NaturalNumber (although the data standards show '[object]'), so the examples should use '[0]' rather than '0'.
Please let me know if I should raise a change proposal to correct the data standards from '[object]' to '[NaturalNumber]'.
It would also be useful to know whether an empty array is permissible, since the sentence in the description for previousDays only mentions the maximum: 'A maximum of seven entries is required if available'. On the first day of operation after implementation there will be no value available for yesterday, so an empty array would be accurate.
Issue 348
Included in Version 1.29.0: reflect the correct x-cds-types, from '[integer]' to '[NaturalNumber]'
2224 Thanks for this. Just to clarify further as this guidance article doesn't explicitly outline it, for calls passed through to the secondary data holder, is the calculation method for the response time EXCLUDING the secondary data holder response times?
For instance if a call comes into Get Usage, requires 2 secondary data holder calls each taking 1 second and the total time end to end for the call is 2.5 seconds is the calculated response times as follows:
AverageResponseMetricsV2 .primary: 2.5 seconds total - (2 x 1 second per SDH call) = 0.5 seconds?
AverageResponseMetricsV2 .secondary: 2 x 1 second = 1 second ?
It’s not clear what you mean by excluding secondary data holder (SDH) times. If you mean that the primary data holder (PDH) average response times should exclude SDH times, then that is correct.
An example formula would be like below:
Average Response Time = response time taken by DH (if PDH, excludes SDH and vice versa) / number of API calls
Using that in your example we get the following:
AverageResponseMetricsV2.secondary.primary = 0.5 / 1 = 0.5
AverageResponseMetricsV2.secondary.secondary = 2 / 2 = 1
Let us know if you see any gaps or incorrect insight that may result from this
2231 We have a query in relation to the “PerformanceMetrics” schema for Get Metrics v5. The latest CDS release on Github, doesn’t show the category ‘authenticated’ for the schema (refer PerformanceMetricsV3 – Consumer Data Standards (consumerdatastandardsaustralia.github.io)), whereas the approved decision proposal #288 shows that in the example and also states that the split should be similar to ‘InvocationMetrics’ break-up. The performance metrics should align to the NFR tiers and therefore should not have an authenticated tier as authenticated calls are broken down into highPriority, lowPriority, etc.
The sample in the decision doc is, unfortunately, erroneous due to a cut and paste error but the actual text of the decision is accurate, as are the standards themselves.
2241 We are keen to understand how DH’s are interpreting the oldest-time parameter in calls such as Get Transactions for Account. The official definition is as follows:
Constrain the transaction history request to transactions with effective time at or after this date/time. If absent defaults to newest-time minus 90 days. Format is aligned to DateTimeString common type
We have not been able to find a definition for “effective time”. Based on our understanding it should be equivalent to a “modified date”, but we have found scenarios where at least one DH appears to be treating this as “execution time”. This caused issues over the Xmas/NY public holidays where transactions appeared in the feed late and we missed them as we only poll DH’s over a 2-3 day rolling window.
There is a definition for 'effective date' in the standards at the top of the Get Transactions For Account endpoint.
To quote, it says:
As the date and time for a transaction can alter depending on status and transaction type two separate date/times are included in the payload. There are still some scenarios where neither of these time stamps is available. For the purpose of filtering and ordering it is expected that the data holder will use the "effective" date/time which will be defined as:
Posted date/time if available, then
Execution date/time if available, then
A reasonable date/time nominated by the data holder using internal data structures
For context, the reason for the obvious ambiguity here is that there is no real standardised handling of transaction timestamps in the various core banking systems used by the different banks. The standards had to allow for the variability in these implementations.
If the DH you are referring to is including postingDateTime but is filtering on executionDateTime then I would consider that to be non-compliant with the plain reading of the above statements. If they don't actually present postingDateTime then their behaviour would seem to be compliant.

Any Other Business

Attendees are invited to raise topics related to the Consumer Data Right that would benefit from the DSB and ACCCs' consideration.

Useful Links

View a number of informative and useful links in the Consumer Data Standards Guide on Information Links.

Check out our guides, browse through our FAQs, and post your own questions for Support. The official Consumer Data Standards website This repository contains the binding API Standards and Information Security profile created in response to the Consumer Data Right legislation and the subsequent regulatory rules. A demonstration of Product Reference data from the Banking Sector.
Consumber Data Standards on GitHub Data Standards Body video channel on YouTube Helping organisations provide consumers with intuitive, informed, and trustworthy data sharing experiences. A Postman collection with a set of unit tests. It can be used as a development testing tool for Data Holders developing a DSB compliant API.
Follow Data Standards Body on LinkedIn for updates and announcements Digital Resources Repository on DSB's GitHub website The glossary of CDR CX terminology Data Holder server reference implementation and associated tools.
  A repository of DSB Newsletters/Blog posts since 2019 This repository is the staging repository for the Consumer Data Standards. Java Artefacts Data Holder server reference implementation
  This glossary lists terms and their definitions in the context of the Consumer Data Right and Consumer Data Standards. This repository is used to contain discussions and contributions from the community of participants and other interested parties in the Australian Consumer Data Right regime. Java Artefacts Data Holder server reference implementation
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