Grandfathered products

Grandfathered products are products that are associated with active accounts but are no longer publicly offered. The active customer account contains an instantiation of a product, with fees and rates specific to the customer instantiation. 

Produce Reference Data (PRD) should contain only products that are actively offered on market. 

Grandfathered products do not appear in Product Reference Data.

If the account contains an instantiation of a grandfathered product, a valid request to Get Account Detail should return the fees, rates, features, and other properties of the instantiated product. This is true even though there is no associated product in PRD.

A Data Holder (DH) does not need to provide data on grandfathered products in response to requests on PRD APIs.

For an open customer account, a DH must provide data on the customer instantiation of a grandfathered product for valid requests on Customer Account APIs.

For a closed customer account, DHs are required to share only if a request is made by a CDR consumer within 24 months of the account closing.  Only the last 12 months of transaction data on the closed account is required to be shared.  Additional information could be shared as voluntary data.