We have grandfathered products: products that are associated with active accounts but are not publicly offered.
If the accounts are still active, but not publicly available, should they be included in PRD (Product Reference Data)?
If they are grandfathered, and not in PRD, how should they be displayed if the customer chooses to share them?
PRD should contain only products that are actively offered on market, about to be offered on market or recently withdrawn. You can use the effective dates to ease products in and out prior and after availability.
A product that is no longer available, but is instantiated in an account, should not appear in the PRD end points.
A valid request for active account details should return the fees, rates, features, and other properties of an instantiated product, including any negotiated discounts or special arrangements. This is information specific to the account, not general product information.
For instance, a Term Deposit in PRD has many rates, as the actual rate depends on instantiation details such as the duration of the arrangement and the starting balance. For an instantiated account the duration and balance are known, so there is only one set of applicable rates.