Showing transactions for authorisation

Question

During the authorisation process, is it required that the customer views all relevant transactions prior to consenting to share transactions with an Accredited Data Recipient (ADR)?

Answer

Data Holders (DHs) do not need to show consumers their actual transactions during the authorisation process.

The authorisation process allows the consumer to review and authorise the disclosure of classes of data to an ADR. The consumer does not need to review the actual data in question to do this. 

The data language standards contain requirements for how data must be presented to consumers during consent, authorisation, and management-related process. These similarly do not require the actual data to be displayed to the consumer.

Examples of the authorisation flow can be found in the CX Guidelines for Authorisation to Disclose.

The ACCC notes that the following references contain relevant information:

• CDR Rules,
  • Main section, division 1.4, subdivision 1.4.3, rule 1.15 Consumer dashboard, Data Holder
  • Main section, division 4.4 Authorisations to disclose CDR data, rule 4.23
  • Main section, division 7.2, subdivision 7.2.3 Rules relating to dealing with CDR data, rule 7.9
• ACCC DH guidance, pages 24 and 25
• the following knowledge articles:
  • Date for collection of consumer historical data
  • Data holder dashboards – disclosure on consent