Getting Started with the Consumer Data Right

The Consumer Data Right

The Australian government has introduced a Consumer Data Right giving consumers greater control over their data. Part of this right requires the creation of common technical standards making it easier and safer for consumers to access data held about them by businesses, and – if they choose to – share this data with trusted, accredited third parties.

The Consumer Data Right is intended to apply across the whole economy, beginning in the banking sector. The next step for Consumer Data Right is in the energy and telecommunications sectors, with other sectors to follow.

Find out more by visiting the official Consumer Data Right website.

The Treasury

The Commonwealth Treasury determines CDR (Consumer Data Right) Rules. Note as of 1st of March 2021 the Rules function transitioned from the ACCC to the Treasury - thus some sites and content may overlap across both Organisations.

• The Treasury
• CDR Rules
• Commencement of CDR Rules 

ACCC

The ACCC (Australian Competition and Consumer Commission)  maintains the CDR Register, which registers both Data Holders (DHs) and Accredited Data Recipients (ADRs).

• ACCC CDR Register documentation
• CDR Register technical issues
• Banking assurance strategy 
• Accreditation guidelines 

Data Standards Body

The resources of the Data Standards Body (DSB) are primarily directed towards assisting the Data Standards Chair in developing the Data Standards.

The DSB maintains the CDS (Consumer Data Standards). These standards describe the application programming interfaces (APIs) by which consumer data is shared between Data Holders (DHs) and Accredited Data Recipients (ADRs).

The DSB also provides documentation, Consumer Experience guidelines, and facilitates community discussion of the rules and standards.

• Data Standards Body website
• The Consumer Data Standards
• Consumer Data Standards GitHub repository
• Consumer Data Standards maintenance GitHub repository 
• GitHub Wiki
• GitHub engineering artefacts
• Java Artefacts
• DSB Comparator demonstration
• Knowledge Base and community FAQ (you are here)

Data Standards Body Consumer Experience Guidelines

The Consumer Experience (CX) guidelines provide a suggested framework for the screens that consumers use to interact with the applications created by DHs and ADRs. The intention is that consumers should have a familiar experience when using any of the applications created for access and sharing of consumer data. 

• Consumer Experience Guidelines 
• CX Research and reports