Rates to return in Get Account Detail API BankingAccountDetail response

Question

What rates should be returned in the depositRates and lendingRates tiers for the Get Account Detail API, response schema BankingAccountDetail?

The article Difference between BankingAccountDetail and BankingProductLendingRate / BankingProductDepositRate interest rate specifies that 

• The rates should represent the current rates, fees and features applicable to the specific account at the time of the API call. 
• The rates should contain only the applicable rates.  Tiered rates that are applicable in the generic sense should not be included, unless they are specifically applicable to this specific account requested.  

But in the Consumer Data Standards (CDS), the BankingAccountDetail depositRates tiers description is: "Fully described deposit rates for this account based on the equivalent structure in Product Reference".

Should the depositRates tiers display the generic products rates list as shown in the Product Reference API, or should the data be the tailored or negotiated rates specific to that account?

Answer

The CDS  depositRates description states that rates are presented using an equivalent structure to that described in the Product Reference Data (PRD) BankingProduct schema. This is to preserve consistency in the naming and terminology.  Representation of tiers and discounts should be consistent between the PRD data and the BankingAccountDetail response.

The rates for a Get Account Detail API response should be only those that apply to the account, with specific tailored and negotiated rates.