Rectification schedule - active data holders with implementation gaps

Commonwealth Bank of Australia (CBA)

Brands:

CommBank and CommBiz

National Australia Bank Limited

Brand:

National Australia Bank

1. Additional transaction service codes provided in Get transactions detail.

Identifier of the applicable overlay service. Valid values are: X2P1.01. NAB also provides X2P1.04 and SCT.04 in some situations.

2. In Account Details API, current “DepositRate” and “LendingRate” is provided to ADRs. However, additional fields present in” Deposit Rates” and “Lending Rates” objects are currently not returned for business and personal products.

3. In Account Details API, “Features” optional object  for the accounts is not returned for business and personal products.  

4. In Account Details API,  “Fee” optional object for the accounts is not returned for business and personal products. 

National Australia Bank Limited

Brand:

UBank

5. CDR v5 dashboard changes - to display the details of each authorisation’s amendment linked by cdr_arrangement_id - will be delivered prior to the obligation date of 1 July 2024. The following items, as uncovered by the CX guidance on 11 Apr 2024, will be delivered later.

• additional requirements regarding the latest/current authorisation details being part of the consent history
• details of the amendment in line with the date of amendment in the consent history
• highlighting of relevant area(s) changed in the amendment

AMP Bank Ltd

Brand:

AMP Bank

Bank Australia Ltd

Brand:

Bank Australia

Bank of Queensland Ltd

Brands:

Bank of Queensland Ltd

Virgin Money

BOQ Specialist

DDH Graham

Bank of Queensland Ltd

Brands:

Bank of Queensland Ltd

Virgin Money

ME Bank - ME Go

Bendigo and Adelaide Bank Ltd

Brand:

Bendigo Bank

1. Bendigo Bank does not currently supply the reference attribute for transactions prior to October 9 2024.  For the period October 9 - November 13 2024, NPP transactions' reference attribute may be truncated and will not contain unicode characters.

Beyond Bank Australia Ltd

Brand:

Beyond Bank

1. CDR v5 dashboard changes were introduced on 11 April 2024, which require displaying the details of each authorisation’s amendment linked by cdr_arrangement_id  with an obligation date of 1st July 2024.

Cairns Penny Savings & Loans Ltd

Brand:

 Cairns Bank

1. Data Quality:

• When the Scheduled Payment API is called the following conditional fields are not being returned: “onceOff” and “intervalSchedule”.
• When the Get Account Details API is called the following fields are not returned:  “depositRate”, “lendingRate”, “feeAmount”, “feeDiscounts” and “additionalInfo” for fees. Also “isActivated” returns a true response for all features.

Credit Union SA Ltd

Brand: 

Credit Union SA

1. CDR v5 dashboard changes:

• additional requirements regarding the latest/current authorisation details being part of the consent history
• details of the amendment in line with the date of amendment in the consent history
• highlighting of relevant area(s) changed in the amendment

1. CDR v5 dashboard changes - to display the details of each authorisation’s amendment linked by cdr_arrangement_id - was delivered to production prior to the 1 Jul 2024 obligation date. Consumers now have the ability to view and access all historical amendments made to each data sharing arrangement via a Consent History section in digital channels

However, the following items are an implementation gap to be delivered before 31 December 2024:

• additional requirements regarding the latest/current authorisation details being part of the consent history
• details of the amendment in line with the date of amendment in the consent history
• highlighting of relevant area(s) changed in the amendment

1. Rule 2.4(3) Data Quality - Term Deposit product terms

G&C Mutual Bank Limited

Brand:

G&C Mutual Bank

Heartland Bank Australia Limited

Brand:

Heartland

1. A single repayment made towards loans in arrears, is displayed as a single transaction in our channels but displayed as multiple transactions via the  API.

Heritage and People's Choice Ltd

Brand:

People's Choice Credit Union

Heritage and People's Choice Ltd

Brand:

Heritage Bank

    Data Quality:

1. When the Scheduled Payment API is called the following conditional fields are not being returned: “onceOff” and “intervalSchedule”.
2. When the Get Account Details API is called the following fields are not returned:  “depositRate”, “lendingRate”, “feeAmount”, “feeDiscounts” and “additionalInfo” for fees. Also “isActivated” returns a true response for all features.

HSBC Bank Australia Limited

Brands:

HSBC 

HSBC Wholesale Banking

HSBC Bank Australia Limited

Brand:

HSBC Wholesale Banking

ING Bank (Australia) Limited 

Brand:

ING Bank (Australia) Ltd

1. Merchant information is not being provided for some EFTPOS transactions.

MyState Bank Limited

Brand:

MyState Bank

Newcastle Greater Mutual Group Limited

Brand:

Newcastle Permanent Building Society

Greater Bank

Newcastle Greater Mutual Group Limited

Brand:

Newcastle Permanent Building Society

3. Rule 2.4(3), Product Reference Data Quality:

• In relation to some home loan products within BankingProductRateTierV3, where more than one criteria (loan to value ratio and loan balance) applies in relation to eligibility for a particular interest rate, only one criteria is displayed in structured unitOfMeasure fields. The secondary criteria is described in the additionalInfo field.

Northern Inland Credit Union Limited

Brand: 

Northern Inland Credit Union

2. Rule 2.4(3), Data Quality

For Dream Home Loan (productId “NICUL33V_NB”), the product data disclosure Lending Rate is showing as “variable”. Should be “Discount” for Variable Special Offer $500,000+; LVR80% or below (new borrowing only)” Discount is 0.45% below the variable rate. Pending fix or functionality change.

Orange Credit Union Ltd

Brand:

Orange Credit Union

1. an inaccurate lendingRateType value (DISCOUNT) for ‘INTRODUCTORY’ rate and inaccurate introductory rate were disclosed for some introductory mortgage products

Police & Nurses Limited

Brands:

P&N Bank

bcu

2. End to End ID not shown in Get Transaction Detail.

Police Financial Services Limited

Brand:

BankVic

1. CDR v1.29 -

Proposed changes in Consumer Data Right Standards v1.29.0 were released on 21 Dec 2023.

The changes identified are from Decision Proposal #334: Added Dashboard Standards section to include detail for Data Holder Dashboards - in particular, a text change required for the Data Holder Dashboard which is required by 1st July 2024 and will require a solution update.

QPCU Limited

Brand:

QBANK

1. CDR Release 1.29.0

• Data Holder Dashboard: Amending authorisation details
• Data Holder Dashboard: Data recipient handling details

2. CDR Release 1.28.0

• Get Products (v4)
• Get Product Detail (v5)
• Get Account Detail (v4)

3. Rule 2.4(3)(b) - Data Quality: All info available via other channels must be included in response

• BankingProductRateTierV3

Qudos Mutual Ltd

Brand:

Qudos Bank

1. CDR v5 dashboard changes:

• additional requirements regarding the latest/current authorisation details being part of the consent history
• details of the amendment in line with the date of amendment in the consent history
• highlighting of the relevant area(s) changed in the amendment

1. High Priority Tier not meeting the nominated threshold

1. Product data fields are missing in GetAccountDetail call response.

Southern Cross Credit Union Ltd

Brand:

Southern Cross Credit Union

1. Rule 2.4.3 Data Quality: Mortgage product information in product reference data is not aligned to website disclosures.

2. Rule 2.4(3)(b) Data Quality: All info available via other channels must be included in the response

BankingProductRateTierV3

1.The following items, as uncovered by the CX guidance on 11 Apr 2024:

• additional requirements regarding the latest/current authorisation details being part of the consent history
• details of the amendment in line with the date of amendment in the consent history
• highlighting of relevant area(s) changed in the amendment

 2. Transaction long description (Teller Journal Transactions) (780)

3. NPP End to end ID missing - Get Transaction Detail (572)

WAW Credit Union Co-Operative Ltd

Brand:

bankWAW

Blue NRG Pty Ltd

Brand:

Blue NRG

1. Blue NRG acknowledges a delay in meeting the obligations outlined in Rule 4.6(4) of Part 4 of the Rules, which require the disclosure of necessary consumer data pertaining to accredited consumer data requests.

On 29 April 2024, Blue NRG submitted a Rectification Schedule addressing delays in meeting its Consumer Data Right (CDR) obligations due to challenges encountered during the implementation of the Flux billing solution, with a proposed resolution date of 1 June 2024. In line with this timeline, by 31 May 2024, Blue NRG passed all internal tests and received ACCC approval as compliant with its CDR obligations. However, thereafter, Blue NRG identified ongoing non-compliance issues stemming from the FLEXIBILL component of Flux billing system, impeding Blue NRG's progress towards achieving full compliance with CDR requirements for complex requests.

Ergon Energy Queensland Pty Ltd

Brand:

Ergon Energy Retail