Merge pull request #326 from ConsumerDataStandardsAustralia/candidate…

…/DP306-changes-2

Decision Proposal 306 Candidate Standards

slate/source/includes/additional.md

@@ -13,6 +13,7 @@ These standards fall into three categories:
 The Consumer Data Standards currently include the following Candidate Standards:
 
 - [Candidate Standards for the Telecommunications sector](./includes/additional/candidates/telco.html)
+- [Candidate Standards for Banking Decision Proposal 306](./includes/additional/candidates/dp306/banking-dp306.html)
 
 ## Draft Standards
 

slate/source/includes/additional/candidates/dp306/_product_categories-dp306.md

@@ -0,0 +1,28 @@
+## Product Categories
+
+
+
+The [Product Category enumeration](#tocSbankingproductcategory) lists the available product categories for categorising products and accounts.  These are explained in the following tables:
+
+**Deposit Products**
+
+|Enum|Description|
+|----|-----------|
+|REGULATED_TRUST_ACCOUNTS|This grouping of products includes accounts where funds are held in trust in regulated industries with complex rules embedded on how the products must operate. Industries that require this sort of product include real estate agents, solicitors and conveyancers.|
+|TERM_DEPOSITS|This grouping of products includes all accounts where cash is deposited in the account for a set time period with restrictions on when funds can be withdrawn. Includes traditional Term Deposits and specialised deposits with either fixed terms or notice periods for withdrawal of funds.|
+|TRANS_AND_SAVINGS_ACCOUNTS|This grouping of products includes all accounts where cash is deposited in the account and is accessible to the customer when they choose. These are given many names on the market including Cash Accounts, Saving Accounts, Transaction Accounts, Current Accounts, Cheque Accounts, Passbook Accounts, etc...|
+|TRAVEL_CARDS|This grouping of products includes prepaid cards with multi-currency capabilities.|
+
+ **Lending Products**
+
+|Enum|Description|
+|----|-----------|
+|BUSINESS_LOANS|This grouping of products incorporates all types of lending for business purpose that is not a trade finance facility, lease, overdraft, residential mortgage, credit card or margin lending. It includes traditional term loans, bank guarantees and commercial bills. This category would incorporate both secured and unsecured business purpose lending including all business purpose equipment finance that is not covered by a lease.|
+|BUY_NOW_PAY_LATER|This grouping of products includes 'Buy Now, Pay Later' products that are used to purchase and immediately receive goods or services after an initial down-payment instalment. A predefined or agreed schedule of a number of interest-free instalment payments is made against the remaining balance over time.|
+|CRED_AND_CHRG_CARDS|This grouping of products includes all lending products that are issued for the purpose of allowing a flexible line of credit accessed through use of a card. These may be called various names including Credit Cards, Charge Cards and Store Cards.|
+|LEASES|This grouping of products will include all types of leases including Financial Lease, Operating Lease, Sale and leaseback, etc...|
+|MARGIN_LOANS|This grouping of products includes all types of margin loans which let you borrow money to invest in traded assets including shares & commodities or in managed funds.|
+|OVERDRAFTS|This grouping of products includes all types of lending which allows for the loan amount to be withdrawn, repaid, and redrawn again in any manner and any number of times, until the arrangement expires. These loans may be secured or unsecured, and generally don’t have set / minimum repayment requirements.|
+|PERS_LOANS|This grouping of products includes all lending for personal purposes that is not a residential mortgage, credit card or margin lending. These loans may be unsecured loans and term loans for purchase assets used as security such as motor vehicles. These may be called various names including Personal Loans and Car Loans.|
+|RESIDENTIAL_MORTGAGES|This grouping of products includes all lending products that are available for the primary purpose of borrowing for the purpose of purchasing or renovating residential property, where a residential property will be used as security. This group will include both fixed, variable & secured overdraft types of product and may include both owner-occupied and investment purpose borrowing.|
+|TRADE_FINANCE|This grouping of products includes specialised lending products specifically designed to facilitate domestic & international trade. This includes the issuance of letters of credit, factoring, export credit.|

slate/source/includes/additional/candidates/dp306/banking-dp306.html.md

@@ -0,0 +1,18 @@
+---
+title: DSB Candidate Standard - Banking Decision Proposal 306
+
+language_tabs:
+  - examples: Non-normative Examples
+  - diff: Version Delta
+
+toc_footers:
+  - <a href='../../../../index.html'>Consumer Data Standards</a>
+
+includes:
+  - additional/candidates/dp306/banking-dp306_apis
+  - cds_banking_dp306
+  - additional/candidates/dp306/_product_categories-dp306
+  - additional/candidates/dp306/_product_components-dp306
+
+search: true
+---

slate/source/includes/additional/candidates/dp306/banking-dp306_apis.md.erb

@@ -0,0 +1,70 @@
+# Banking APIs
+
+<%= partial "includes/additional/candidates/candidate_header.md" %>
+
+This specification defines the APIs for Data Holders exposing Banking endpoints.
+
+<table>
+<tr><td><a href='../../../../includes/swagger/cds_banking_dp306.json'>Banking OpenAPI Specification (JSON)</a></td></tr>
+<tr><td><a href='../../../../includes/swagger/cds_banking_dp306.yaml'>Banking OpenAPI Specification (YAML)</a></td></tr>
+</table>
+
+```diff
+Changed the `cardArt` array to a `cardOption` object to provide additional card details in 'Get Products', 'Get Product Detail' and 'Get Account Detail'.
+
+Added the `FEE` `lendingRateType` value to support lending products that have a fee-based rather than rate-based cost. This type may be expected to align to the new `PRINCIPAL_AND_FEE` `repaymentType`.
+
+Added the `BALANCE_TRANSFER` `lendingRateType` value to extend support for credit card plan detail.
+
+Updated the `creditCard` schema in 'Get Account Detail' to allow an array of plan types, each with specific rates, repayments, adjustments and features.
+
+Added `revertRate`, `revertProductId`, `rateStartDate` and `rateEndDate` fields to respective lending rate schemas to support 'revert' rate details.
+
+Added `referenceRate` to multiple lending and deposit rate schemas.
+
+Added `adjustmentToBase` and `adjustmentBundle` fields to the 'BankingProductLendingRate' and 'BankingProductDepositRate' schemas. The `adjustmentToBase` field is provided to allow an adjustment rate type to specify which base rate type the adjustment applies to, where many may be offered for a product.
+
+Updated and added the `applicabilityConditions` field in the 'BankingProductLendingRate', 'BankingProductDepositRate' and 'BankingProductRateTier' schemas.
+
+Added the `applicationType` field to clarify whether an associated `applicationFrequency` value is to be expected.
+
+Updated the description of the `features` property of 'Get Product Detail' and 'Get Account Detail' to clarify that the schema also supports providing details of any key operational product limitations.
+
+Updated the description of the `constraints` property of 'Get Product Detail' to clarify that the schema is only intended to provide details of constraints on application for the product.
+
+Added new `featureType` values to support operational limitations and the `OTHER` `constraintType` to allow additional detail to be provided.
+
+Added new `feeCategory` field and new `feeType` values to improve classification and comparison of fees.
+
+Updated the 'BankingProductFee' schema to separate different fee types by UType and added minimum and maximum fee details and `feeCap` fields.
+
+Incorporated rate detail into the 'Get Account Detail' schemas to provide specific rate fields separated from the generic Product Reference rate objects.
+
+Extended the `termDeposit` schema in 'Get Account Detail' to allow each deposit to be specified with specific rates and terms.
+
+Updated the 'adjustment' rate type values to remove the `INTRODUCTORY`, `BUNDLE_BONUS`, `BUNDLE_DISCOUNT_FIXED`, `BUNDLE_DISCOUNT_VARIABLE` options. Time and bundle-based rate detail will be supported through new fields to capture that detail: `adjustmentBundle`, `adjustmentPeriod` and `adjustmentEndDate`, leaving the `additionalValue` field available for other detail where necessary.
+
+Added a `deposit` schema in 'Get Account Detail' to provide rate detail for general deposit structures without term deposit maturity detail.
+
+Removed the `specificAccountUType` field in 'Get Account Detail' to clarify that multiple types may be present in a single account.
+
+Updated the 'Use of additionalValue Field' descriptions for the `PENSION_RECIPIENT` and `STUDENT` 'Product Eligibility' and 'Product Discount Eligibility' types.
+
+Updated the description of the `comparisonRate` field to clarify how it could be interpreted when associated with an adjustment rate type.
+
+Updated the description of the rate tier `unitOfMeasure` field to clarify the format of the associated values, including specifying `PERCENT` values as a RateString.
+
+This candidate incorporates the latest Non-Bank Lending (NBL) Draft changes including the `BUY_NOW_PAY_LATER` product category value, the `instalments` object, and related feature and fee types. The endpoint versions incremented due to changes related to the NBL Draft only, are: 
+ - Get Accounts (v3)
+ - Get Bulk Balances (v2)
+ - Get Bulk Direct Debits (v2)
+ - Get Scheduled Payments Bulk (v3).
+ - Other NBL changes affecting the Register APIs are only shown in the NBL Draft.
+
+The endpoint versions incremented primarily for Decision Proposal 306, but also including NBL detail are: 
+ - Get Account Detail (v4)
+ - Get Products (v4)
+ - Get Product Detail (v5).
+
+Corrected minor typos and updated documentation formatting.
+```