[ARCHIVE] Grandfathered Product Reference Data (PRD) for Public vs Customer endpoints

Archived 2024-09-26. See CDS Guide, Grandfathered products.

Question

As a Data Holder do I need to provide Consumer Data Right (CDR) data for Grandfathered products, i.e. products a Financial Institution (FI) may have advertised and offered publicly but are now older products, not advertised and consumers can no longer apply for these products as new. However our existing consumers may still have these products open. Do we, as a Data Holder, need to provide CDR data for all types of Grandfathered products or just publicly available products?

Answer

There are two sets of APIs that contain rates, fees, features etc.  These are:
1. The public Product Reference Data APIs.  These are unauthenticated and non-customer specific
2. The customer specific Account APIs.  These authenticated and customer specific and represent a specific originated account

You do not need to provide data on grandfathered accounts for type 1 (the unauthenticated product reference data APIs).
You must provide data on grandfathered accounts for type 2 (the authenticated, customer specific account APIs).