[ARCHIVE] Voluntary Product Data

Archived 2022-10-11. Content moved to CDS Guide, Data formats - schemas.

Question

Can you please confirm the Voluntary and Required Product data referred to in the Consumer Data Right Rules is NOT the same as the fields shown as Mandatory and Optional in the Consumer Data Standard? i.e. all data items in the Data Standard are Required Product Data and Voluntary Product data refers to additional fields or APIs that Data Holders can decide to add if they wish.

Answer

That is correct. Voluntary and Required Product Data referred to in the CDR Rules is NOT the same as the fields shown as Mandatory and Optional in the Data Standard.

Required product data are data clusters which must be disclosed by a data holder pursuant to a valid product data request. Voluntary product data are data clusters which may be disclosed by a data holder pursuant to a valid product data request. Clause 3.1 in Schedule 3 of the CDR Rules defines required product data and voluntary product data.

On the other hand, mandatory and optional fields in the data standards are fields which respectively must and may have a non-null value. For example, where the standard has a mandatory field, data holders are required to share that field, but where they do not have the data it must be represented as a default value or an empty value as applicable.

In brief, the data cluster language in the rules relates to the type of data which may or must be disclosed by a data holder; while the mandatory/optional fields language in the standards relates to the parameters for the APIs used to request and disclose CDR data.