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ACCC Regulatory Guidance

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  • Guidance for data holders — assessing whether a product is in scope for CDR

    Note: Version 1 - 9 November 2020 Version 2 - 21 December 2021 Version 3 - 27 March 2024 Purpose This document is designed to assist data holders in the banking sector identify whether a particul...

  • Guidance on screen-scraping

    Question Can I use screen-scraping alongside CDR? Answer The Competition and Consumer (Consumer Data Right) Rules 2020 do not prohibit alternative methods of data sharing, such as digital data capt...

  • Revised joint account implementation guidance

    Note: updated Joint Account advice as of March 2022   We have finalised revised guidance on the treatment of joint accounts under the Competition and Consumer (Consumer Data Right) Rules 2020. Th...

  • CTS Guidance Materials

    The Conformance Test Suite (CTS) version history and technical guides are published on the CDR website.  

  • [ARCHIVE] Joint Account Guidance

    See Revised Joint Account Implementation Guidance. dsb_searchPage.params = { "label_names": article.label_names, "query":"", "section":"", "category":"", "locale":"", "brand_id":"", ...

  • Consent continuity and transfer of ADR Software Products

    Under the CDR Rules, certain categories of consents are given by consumers to accredited persons (including affiliates) or CDR representatives. The CDR Rules do not provide for these consents to be...

  • CDR consumer eligibility across data holder brands in the banking sector

    The article was updated on 24 February, to: clarify how the CDR rules require data holders to assess eligibility of CDR consumers where a data holder provides products across multiple brands or di...

  • Can ADRs ‘white label’ their products/services?

    In summary, provided an accredited data recipient (ADR) complies with the Competition and Consumer Act 2010 (Act) and the Competition and Consumer (Consumer Data Right) Rules 2020 (CDR Rules), incl...

  • What constitutes a refusal to disclose required data?

    A data holder must share required data in response to a valid request that it receives. Subrules 2.5(1), 3.5(1) and 4.7(1) of the CDR Rules provide that a data holder may refuse to disclose data in...

  • Closed Joint Accounts

    Continuing obligations in relation to closed joint accounts Data holders must support data sharing for closed accounts (subject to clause 3.2(4) and (5) of schedule 3). As such, data holders must c...