specificAccountUType field in the BankingAccountDetail object is specified as optional in the schema. Is it mandatory for a Data Holder to include the field if the account is a Term Deposit, Credit Card or Loan?
specificAccountUType field is a discriminator for the schema to identify which one of a series of optional structures is present. As we have included only the
loan structures for additional inclusion that is all that is included in the
specificAccountUType enum list. Hence the
UType is optional.
If the type of product being described is one of the three supported and can be expressed in a compliant manner, then the additional data is required. The type is optional so that exceptions are not required, for example in the case of a lending product that has no interest rate.
The following are conditional fields in the
BankingAccountDetail object. Are they mandatory if the account is a Term Deposit, Credit Card or Loan? That is, are they conditional on
The fields are mandatory, depending on
specificAccountUType. See the answer to the first question above.
features field in the
BankingAccountDetail object is specified as optional in the schema, however, is it essentially mandatory for us to include if the account has features if the equivalent product has those product features in the Product Reference data?
It is optional from the perspective that not all accounts or products may have features. However, if the account has a set of relevant features as described in the associated PRD product record or negotiated by the customer these must be shown. It is not optional for the DH to exclude showing features if they apply.
lendingRates fields in the
BankingAccountDetail object are specified as optional in the schema, however, is it mandatory to include them if the equivalent product has those rates in the Product Reference Data?
That is correct. These should be the rates applicable to the account which might include negotiated rates (not the publicly offered rates). They are optional because it is dependent on the type of account whether that part of the schema is applicable.