Unavailable accounts use cases

Question

Given that all products are available for data sharing under the CDR, what are the possible use cases for unavailable accounts for data sharing?

Answer

Unavailable accounts, in the CX context, are accounts that are listed by the Data Holder, but cannot be authorised for sharing.

The CX Guidelines for the authorisation flow have a section on unavailable accounts that states:
 "An account may be considered unavailable for various reasons. Unavailable accounts may include eligible accounts that cannot be shared, such as where

• a data holder deems it necessary to prevent financial harm or abuse, or
• account users do not have sharing rights.

Unavailable accounts may also include ineligible accounts which data holders may show to mitigate confusion, such as where a consumer expects to see their accounts but cannot select them because they are ineligible for CDR."

The scope of unavailable accounts is not limited to phasing in the rules.

See:

• Ineligible accounts and authorisation flow - article comments
• Showing closed accounts as unavailable