[ARCHIVE] Account closed for over 24 months

Archived 2022.11.20. Content moved to error scenarios and responses.

Question

A Data Holder (DH) is no longer required to share data for accounts which were closed more than 24 months ago, according to CDR Rules, Schedule 3, Part 3, 3.2. 

When a customer's closed account is in an active data sharing arrangement, and after a time the closure date exceeds 24 months ago, should the DH remove it from authorisation?

What is the expected API response in this instance? 

Is it correct that this does not count as a refusal to disclose CDR data, as the requested data is no longer required product data?

Answer

If no data is provided for an account closed more than 24 months ago, this is not interpreted as a refusal. Providing no data is an appropriate response under the rules. 

The account can be detached from the authorisation if desired. This depends on the Data Holder's implementation.

If the accountId is requested it should be responded to with the same error response as if the account were detached, or removed due to a Joint Account election.

See:

• CDR Rules, Schedule 3 Provisions relevant to the banking sector, Part 3, 3.2 Meaning of required consumer data and voluntary consumer data—banking sector, (4)(b)(ii) and (5)