CDS guide introduction

Introduction

The Consumer Data Right gives consumers the right to share data between service providers of their choosing. 

To support this right, service providers implement systems that follow a number of rules, standards, conventions and guidelines. These requirements are set out in the following primary source documents:

• Consumer Data Right Rules
• Consumer Data Standards
• Consumer Data Standards Conventions
• Consumer Experience Guidelines

This guide provides assistance to service providers in using the Consumer Data Standards, and in implementing CDR systems. See Using the CDS Guide. Participants should read the Consumer Data Standards in conjunction with the CDS Guide.

Service providers must comply with the rules and standards. They may be guided by the conventions and guidelines. Implementing the standards, and following the rules and guidelines, does not guarantee compliance. See Compliance for more information. 

The Consumer Data Right (CDR) has been introduced in banking and is in the process of being introduced in other industry sectors. Many of the examples in this guide are drawn from the banking sector. 

Service providers in the CDR model are of two types:

• a Data Holder (DH) holds consumer data
• an Accredited Data Recipient (ADR) requests data from the DH on behalf of the consumer

This guide is for  Data Holders (DHs) and Accredited Data Recipients (ADRs). ADRs require an understanding of the systems built by DHs, and DHs need to know how ADR systems work. 

This guide brings together information from the various primary sources under a range of topics.

CDS Guide Contents