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Nat Sakimura edited this page Jul 10, 2026 · 1 revision

FAPI WG Meeting Notes (2020-11-04)

The meeting was called to order at 14:03 UTC.

1.   Roll Call

  • Attending:
  • Regrets: Daniel
  • Guest:

2.   Adoption of Agenda (Nat)

3.   Events

4.   External Organizations

4.1.   Berlin Group (Francis)

https://www.berlin-group.org/single-post/press-release-berlin-group-starts-new-openfinance-api-framework

  • Taskforce: Banks only. Now other FIs including insurance.
  • Advisory board: Francis sits here.
  • Published open findings of the framework
  • Berlin Group Next Gen
  • Tool is renamed to Open Finance RP Framework
  • Broadening the scope beyond banking to include financial assets , bankable assets
  • Berlin group is structured into 2 main groups,
    • task force, was limited to banks, now open for insurances and all financial institutes
    • Advisory board, constituted of the markets
      • Francis is a member
      • Will be renamed to Open Finance Advisory Board, includes service providers, TPPs, and other market players
    • Press releases coming out
    • Francis will keep track
    • Going towards sharing more than just banking data
    • Still have problem of authorization and API mixed into single interface
      • Francis putting pressure to split it
      • FAPI can be reused for other areas instead of reinventing everything
    • Don asked if OIDF can be member or observer of board
      • Francis will address this with 2 chairs
    • Board has quarterly meetings
      • Members elect 10 board members
      • OIDF can join as member now and be eligible for board for 2021-2022 term
      • Francis will invite Don to the next session
    • Francis asked if OIDF proposed liaison agreement to Berlin group
      • Agreement was proposed earlier pre-Covid, still no response
      • Francis will attempt to get agreement through the board instead of task force
      • Don volunteered Torsten to join discussions

4.2.   ETSI (Dave)

  • OBE signature profile coming out.
  • They did not accept base64url encode payload proposal.
  • OBE talking about detached signatures, and RFC 7797 encodes the payload but OBE signing digest headers only
  • WG has a working document regarding requirements for signing compile dby Joseph
  • WG decided to make draft for non-repudiation
  • Will need initial draft for adoption
  • Stuart asked if we should have a separate profile for non-repudiation or make it part of FAPI 2.0
  • Might be better to have a profile that can be referenced from FAPI 2.0
  • Brian suggested to keep it simple and prevent scope creep.
  • Current available signing standards don’t seem to meet requirements or still work in progress
  • Dave, Francis, and Brian will be coming up with a signature draft for the WG to consider.

4.3.   Australia (Stuart)

Consent revocation proposal adds a lot of complexity. There is no standards to built upon.

  • https://github.com/ConsumerDataStandardsAustralia/standards-maintenance/issues/247

  • Big 4 banks and recipients going into Phase 2 of consumer data sharing

    • Includes new products

    • Tweaks to information security profile

    • Joint accounts

    • Still finalizing consultation, looks very complex

      • No existing technical standards available to achieve goals
        • Intermediaries
        • Cascading consents (communicating consents via third parties)

    • OAC conformance testing

      • Joseph has CDR version of test on production and certification

    • Joseph still finalizing Australian response letter

      • Still don’t know where to send it
      • Might be better to do open letter and CC the chair

4.4.   European Commission (Mark/Torsten)

4.5.   UK (Ralph)

  • No updates

5.   Drafts

5.1.   FAPI 2.0 (Daniel)

5.2.   HTTP Signing (Dave)

6.   PRs (Dave/Nat)

7.   Issues (Dave/Nat)

8.   AOB

The meeting was adjourned at 15:00 UTC.

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