ACCC & DSB | CDR Implementation Call Agenda & Meeting Notes | 16th of November 2023
When: Weekly every Thursday at 3pm-4:30pm AEDT
Location: Microsoft Teams
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- 5 min will be allowed for participants to join the call.
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 contact@consumerdatastandards.gov.au 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 1.28.0 | Published: 10th November 2023 Change log |
| Maintenance ⭐ | Maintenance Iteration 17 | Met on the 15th of November 2023 |
| Maintenance | Maintenance Iteration 17 | All agendas and meeting minutes |
| Maintenance ⭐ | Maintenance Iteration 18 planned to commence February 2024 | Invitations to come |
| DSB Newsletter | To subscribe to DSB Newsletter | Link here |
| DSB Newsletter ⭐ | 10th of November 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 318 - Non-Bank Lending Standards |
Feedback Closes: 8th of December 2023 Link to consultation |
| Consultation | Noting Paper 323 - NFR Workshops | Link to consultation |
| Consultation | Decision Proposal 333 - Business Consumer Provisions | Feedback Closes: 21st November 2023 Link to consultation |
| Consultation | Decision Proposal 334 - Data Holder Dashboards | Feedback Closes: 21st November 2023 Link to consultation |
| Consultation ⭐ | Decision Proposal 335 - NFR Working Group | Link to consultation |
| Consultation ⭐ | Decision Proposal 338 - Updates to Banking Products and Accounts - Binding Standards | Feedback Closes: 15th of December 2023 Link to consultation |
| Engineering ⭐ | Survey on the DSB Engineering Tooling and platforms | 5-10min survey Click here to have your say |
| Engineering ⭐ | Test Data cli - v1.4.0 has been released | Link to the latest GitHub Repository: https://github.com/ConsumerDataStandardsAustralia/testdata-cli |
| Engineering ⭐ | Java Artefacts - v2.2.0 has been released | Link to the latest GitHub Repository: https://github.com/ConsumerDataStandardsAustralia/java-artefacts |
| Video ⭐ | Introduction to the Consumer Data Standards - narrated by Neale Morison (10/11/2023) | Video |
| Video ⭐ | Noting Paper 335 - narrated by Neale Morison (16/11/2023) | Video |
Provides a weekly update on the activities of each CDR stream and their work.
| Organisation | Stream | Member |
|---|---|---|
| ACCC | Register and Accreditation Application Platform | Eva |
| DSB | Consumer Experience | Amy |
| DSB | Information Security | Mark |
| DSB | Engineering | Sumaya |
None this week.
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 |
|---|---|---|
| 2159 | Amend consent duration Rule 4.26 and 4.14 states that the maximum duration for a consent is 12 months. I just amended my consent with one of the top 4 banks and I noticed they just add on the new duration to today's date. For example : 1. On 19/10/23 I created a consent with a 3 month duration. I checked my consent dashboard and it showed the sharing period as 19/10/23 - 19/1/24 2. Today is 24/10/23. I amended the consent I created from step 1. I selected the new duration of 3 months. I checked my consent dashboard and it showed the sharing period as 19/10/23 - 23/1/24 Shouldn't the expiry date be based on the original consent date of 19/1/24 ? Further to my initial question, when a customer amends the duration of their consent, I believe they should be allowed to shorten their sharing duration or lengthen it. Similar to adding and removing accounts and scopes. On 24/10/23 I went back to the same ADR which I provided the original consent from step 1 above. I amended my consent by selecting a 12 month sharing period. This is what I got : a) Bank1 shows my new sharing period as 19/10/23 - 24/10/24 ==> this is more than the allowed 12 months sharing allowed as per rule 4.26 and 4.14 b) Bank2 shows my new sharing period as 24/10/23 - 24/10/14 c) ADR shows my new sharing period as 19/10/23 - 24/10/24 ==> more than 12 months duration Some banks will update the original consent while others will expiry the original consent and create a new one. Regardless of which approach they use, I believe the consent amend journey should allow customers to shorten their consent duration too. At the moment, it appears it only allows them to lengthen them. For example, John created a consent to share his accounts for 1 year. Later on, he may want to shorten the sharing period to lets say 3 months. The current process doesn't allow for this. |
If you have concerns about a data holder or recipient’s compliance with the requirements of Rule 4.26, the Compliance Team is open to receiving this information. We have passed on the information you’ve provided here, but if you would like to provide further information, such as the names of the relevant entities, please get in touch via accc-cdr@accc.gov.au We note your feedback that CDR consumers should be allowed to shorten consents and authorisations and will pass on any relevant feedback to Treasury. You may also like to provide feedback to Treasury during rules maintenance consultations which are run periodically. For reference, we note accredited data recipients may rather than must offer functionality to amend consent (see r 1.14(2A), 4.12B and 4.12C). |
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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