About the schedule
The ACCC monitors and enforces compliance with the CDR obligations set out in the Competition and Consumer Act 2010 (Cth), the Competition and Consumer (Consumer Data Right) Rules 2020 (the CDR Rules) and the Consumer Data Standards.
Data holders’ obligations commenced on various dates - see the CDR rollout.
Some data holders have received an exemption from certain obligations under s56GD of the Act. The CDR exemptions register lists all exemptions granted.
This rectification schedule sets out information provided by data holders to the ACCC. We have published this information to provide a reference for accredited data recipients and consumers regarding potential issues in data holders’ CDR implementations.
We expect data holders to promptly rectify their non-compliance or face possible enforcement consideration in line with the ACCC/OAIC Compliance and Enforcement Policy for the Consumer Data Right. Listing an issue on this rectification schedule does not preclude the ACCC from pursuing compliance or enforcement action in-line with this policy.
Data holders that are not currently active on the CDR Register and do not have an exemption from this requirement are listed in a separate rectification schedule.
This table is current as at 15 December 2025.
Banking - major data holders
The data holders listed in the table below are the four major data holders and their non-primary brands.
| Data holder (brand) | Issue | Proposed resolution date |
|---|---|---|
|
Commonwealth Bank of Australia (CBA) Brands: CommBank and CommBiz |
1. CDR data sharing for certain accounts accessed via 'CommBiz' and ‘NetBank’ that are held:
|
30 September 2026 |
| 2. Enablement of CDR data sharing for certain accounts under the ‘Trading Entity, Business Name’ customer profile type. | 19 December 2025 | |
| 3. Accounts held by customers under a 'Trading Entity, Joint Trader' or 'Trading Entity, Unknown' customer profile type that have not been enabled for data sharing. | 30 September 2026 | |
|
Commonwealth Bank of Australia (CBA) Brands: CommBiz |
4. Enablement of data sharing for accounts held by individuals or sole traders in the CommBiz digital channel. | 30 September 2026 |
| Data holder (brand) | Issue | Proposed resolution date |
|---|---|---|
|
National Australia Bank Limited Brand: National Australia Bank |
1. Issues with the time stamp returned for NPP transactions in the ‘Get Transactions for Account’ API. | 31 March 2026 |
|
National Australia Bank Limited Brand: UBank |
1. The Get Metrics endpoint is currently timing out when called, preventing it from returning performance metrics | 30 January 2026 |
Banking - non-major data holders
| Data holder (brand) | Issue | Proposed resolution date |
|---|---|---|
|
AMP Bank Ltd Brand: AMP Bank GO |
1.Customers using the AMP Bank GO banking brand to share data will be authenticated via its digital app using App2App and Web2App technology, rather than by One Time Password (OTP). App2App and Web2App technology forms part of the Data Standards Body DP 327 - Authentication Uplift Phase 1 that includes a recommendation that online customers can authenticate with their Data Holder's app. | TBC |
| Auswide Bank Limited | 1. NPP service overlays added to Get Transaction Detail | 30 January 2026 |
|
B & E Ltd Brand: Bank of us |
1. Product fee accruedRate is not output. The data.fees[].accruedRate field when set on fees is not visible. | 16 March 2026 |
|
Bank of China (Australia) Limited Brands: Bank of China |
|
30 June 2026 |
|
Bank of Queensland Limited Brands: Bank of Queensland Limited |
|
TBC |
|
Bank of Queensland Limited Brands: Bank of Queensland Limited Virgin Money BOQ Specialist DDH Graham |
2. Customers on legacy platforms do not experience commensurate latency | TBC |
|
Beyond Bank Australia Limited Brand: Beyond Bank Australia |
1. PRD RepaymentType is shown as Principal and Interest rather than Interest Only. | 31 December 2025 |
| 2. High Performance APIs not within threshold limit | TBC | |
|
BNK Banking Corporation Limited Brand: BNK Bank (Goldfields Money/BCHL) |
|
30 March 2026 |
| 2. CDR arrangement for Secondary Users cannot be accommodated by definition because Secondary Users do not exist within the Core Banking Systems of BNK | 30 June 2027 | |
| 3. Phase 1 - The 24-hour delay in certain CDR data availability due to old version (R16) of existing Core Banking System (T24) | 31 December 2028 |
| Data holder (brand) | Issue | Proposed resolution date |
|---|---|---|
|
Central Murray Credit Union Limited Brand: Central Murray Bank |
1. Incorrect format for Product fee accrualFrequency | TBC |
|
Community First Credit Union Limited Brands: Illawarra Credit Union Limited Easy Street Community First Bank |
1. CDR Standards v1.33.0 - Retirement of existing hybrid protocol and only supporting Authorization Code Flow from 12 May 2025 will be delayed. | 16 March 2026 |
| Data holder (brand) | Issue | Proposed resolution date |
|---|---|---|
|
Ford Co-operative Credit Society Limited Brand: Geelong Bank |
1. Invalid format for accrualFrequency on all product fees | TBC |
| Data holder (brand) | Issue | Proposed resolution date |
|---|---|---|
|
Heritage and People's Choice Ltd Brand: Heritage Bank |
1. Get metrics data reflects measurements at data holder level. | 30 November 2027 |
|
HSBC Bank Australia Limited Brand: HSBC HSBC Bank Australia Limited – Wholesale Banking |
1. Implementation of Get Transaction Detail V2 | 30 June 2026 |
|
Laboratories Credit Union Limited Brand: Laboratories Credit Union |
1.1.30 Delay in vendor delivery | 28 February 2026 |
| 2. 1.31 Delay in vendor delivery | 28 February 2026 | |
| 3. 1.33 Delay in vendor delivery | 28 February 2026 | |
|
Liberty Financial Pty Ltd Brand: Liberty Financial |
1. Secondary user functionality (Rules 1.13(1)(e) and 1.15(5)) Products not designed for secondary user functionality. Manual functionality available in limited circumstances (where necessary). | TBC |
|
MyState Bank Limited Brand: MyState Bank |
1. Missing amounts in the 'Get Transactions For Account' API | 31 March 2026 |
|
Newcastle Greater Mutual Group Limited Brand: Greater Bank |
1. When applying Rule 1.10B & Part 2 of Schedule 3, CDR Consumer Eligibility is determined at the Brand level (Newcastle Permanent and Greater Bank) not the Legal Entity level (NGM Group). | TBC |
|
Newcastle Greater Mutual Group Limited Brand: |
2. CDR v5 dashboard changes to display the details of each authorisation’s amendment linked by cdr_arrangement_id | TBC |
| Data holder (brand) | Issue | Proposed resolution date |
|---|---|---|
|
Police & Nurses Limited Brands: P&N Bank BCU |
1. High Performance API’s not within threshold limit | TBC |
| Data holder (brand) | Issue | Proposed resolution date |
|---|---|---|
|
Rabobank Australia Limited Brand: Rabobank |
1. Online Savings: All applicable tiers are not being shared. Currently sharing only the tier associated with the current account balance. | 31 March 2026 |
| 2. Online Savings: All applicable rates should be shared. Currently sharing only the rate applicable to the first balance tier. | 31 March 2026 | |
| 3. Online Savings: The overall deposit rate should be shared. If more than one balance tier is applicable, it must be the weighted average interest rate. Currently sharing an incorrect overall deposit interest rate if more than one balance tier is applicable. | 31 March 2026 | |
| 4. Online Savings: The correct applicable balance range of 0 to 250,000 should be shared. Currently Sharing an incorrect balance range if the introductory bonus and more than one balance tier is applicable. | 31 March 2026 | |
| 5. Farm Business: The deposit rate tiers should not be shared because the CB accounts have a single interest rate which applies to the entire balance. Currently sharing only one tier which is associated to the current account balance. | 31 March 2026 | |
|
Regional Australia Bank Ltd Brand: Regional Australia Bank |
1.Term Deposit Details are missing in GetAccountDetail API Response | 31 December 2025 |
| Data holder (brand) | Issue | Proposed resolution date |
|---|---|---|
|
Transport Mutual Credit Union Limited Brand TMCU |
1.v1.33.0; retire existing hybrid protocol and supporting Authorisation Code Flow (ACF) | TBC |
|
Warwick Credit Union Limited Brand: Darling Downs Bank |
|
31 December 2025 |
|
Woolworths Team Bank Limited Brand: Woolworths Team Bank |
|
30 April 2026 |
| 2. no CDR arrangement ID available | 30 April 2026 |
Energy - data holders
The data holders listed in the table below are the energy data holders and their non-primary brands.
|
Brand: Aurora Energy |
|
30 June 2026 |