Pending Status in Consent flow

Question

Within the Consumer Experience Guidelines (v1.4.0) it is stated that Data holders SHOULD prioritize information that is important to consumers. This MAY include using tabs (e.g. active, pending, archived).

Can we please have clarification on the "Pending" status significance for Data Holder with regards to consent - what would be the real-time scenario when the authorization is in this special state?

Answer

The pending example does not refer specifically to a consent or authorisation.

The ‘pending’ design was devised to apply broadly to any situation where an action or activity relating to an authorisation is pending. It may be where disclosure itself is paused or interrupted because an ADR has been suspended, or the DH pauses disclosure due to suspicious activity. It may also refer to an action required by the user, such as a joint account election needing to be approved. Or it could be that an ‘empty authorisation’ exists where a consent is active, but no data is being shared because no accounts are associated with that consent.

The use of ‘pending’ does not necessarily mean that the consent or authorisation itself is technically ‘pending’. The term ‘pending’ is only an example and should not be seen as prescriptive. How and if the 'pending' state examples are implemented are at the discretion of the DH.