Joint Account unavailable for CDR data sharing

Question

In a scenario where an everyday transactional account 123XXX is jointly owned by customer A and customer B.

• Customer A is registered for digital banking.
• Customer B is NOT registered for any digital/online banking.

As one of the account owners does not meet the CDR eligibility criteria i.e. customer B is not registered for digital banking, hence the joint account 123XXX is NOT eligible for CDR data sharing. Is this correct?

Answer

This is correct. Scenario 1a in the Revised Joint Account Implementation Guide confirms this. 

Question

As account 123XXX is not eligible for CDR data sharing, this joint account is not required to be made available or displayed via the Disclosure Options Management Service (DOMS) for customer A. Is this correct?

Answer

As this account is not eligible for data sharing, it is not required to be made available or displayed in DOMS. However, to avoid consumer confusion, a Data Holder (DH) can choose to display the account and explain why the account is not available for CDR data sharing, similar to the authorisation flow guidelines for unavailable accounts.

Question

As account 123XXX is not eligible for CDR data sharing, this joint account is also not available in the consent authorisation journey to be selected for data sharing. Is this correct?

Answer

This is correct. If joint account 123XXX not being currently eligible for CDR, it will not be available to be selected for data sharing. Please refer to the CX Guidelines on unavailable accounts for guidance.

Question

Once customer B has registered for digital/online banking, then joint account 123XXX becomes eligible for CDR data sharing. Is this correct?

Answer

This is correct. Refer to scenario 1b in the Revised Joint Account Implementation Guide.

Question

Although ineligible for CDR data sharing, the joint account 123XXX can be visible in DOMS for both customer A and customer B, with the default disclosure option set to ‘Pre approval’. Is this correct?

Answer

This is correct. Rule 4A.5(5) states "Unless a sector Schedule provides otherwise, the pre-approval option applies to a joint account by default."

Question

Joint account 123XXX stays available for selection to share data in consent authorisation journey while both disclosure options remain as ‘Pre approval’. Is this correct? 

Answer

Rule 4A.5(5) states that the pre-approval option applies to a joint account by default. So this will follow the default pattern shown in the CX Guidelines for Authorisation to disclose joint account data unless one of the joint account holders has changed the disclosure option.