Historical transaction data: Earliest Holding Day

A Data Holder (DH) is required to provide transaction data, if available, from a specified number of years prior to the date of the request, or from two years earlier than the Designation instrument, whichever is the later date. 

For the banking sector, transaction data is required from seven years prior to the date of the request.

For the energy sector, billing data is required from two years prior to the date of the request.

See:

• Section 56AC(2)(c), Competition and Consumer Act 2010.
• Section 5(3), Consumer Data Right (Authorised Deposit Taking Institutions) 2019
• Section 6(3), Consumer Data Right (Energy Sector) Designation 2020