ACCC & DSB | CDR Implementation Call Agenda & Meeting Notes | 28th of July 2022

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Agenda & Meeting Notes

When: Weekly every Thursday at 3pm-4.30pm AEST
Location: WebEx, quick dial +61-2-9338-2221,,1650705270##

Meeting Details:

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Quick Dial: +61-2-9338-2221,,1650705270##
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Meeting Number/Access Code: 165 070 5270

Agenda

Introductions
Actions
CDR Stream updates
Presentation
Q&A
Any other business

Introductions

5 min will be allowed for participants to join the call.

Acknowledgement of Country

We acknowledge the Traditional Custodians of the various lands on which we work today and the Aboriginal and Torres Strait Islander people participating in this call.
We pay our respects to Elders past, present and emerging, and recognise and celebrate the diversity of Aboriginal peoples and their ongoing cultures and connections to the lands and waters of Australia.

House Keeping

Recording

The Consumer Data Right Implementation Calls are recorded for note taking purposes. All recordings are kept securely, as are the transcripts which may be made from them. No identifying material shall be provided without the participant's consent. Participants may [email protected] should they have any further questions or wish to have any material redacted from the record.

Community Guidelines

By participating in the Consumer Data Right Implementation Call you agree to the Community Guidelines. These guidelines intend to provide a safe and constructive space for members to discuss implementation topics with other participants and members of the ACCC and Data Standards Body.

Updates

Type	Topic	Update
Standards	Version 1.17.0 Published	Link to change log here
Standards	Version 1.18.0 to incorporate changes from Maintenance Iteration 11	Timing to be confirmed
Maintenance	Maintenance Iteration 12	First meet on the 20th of July 2022
Maintenance	Maintenance Iteration 12	Next week on the 3rd of August 2022 the Working Group will meet
TSY Newsletter	To subscribe to TSY Newsletter	Link here
DSB Newsletter	To subscribe to DSB Newsletter	Link here
TSY Newsletter	1st of July 2022	View in browser here
DSB Newsletter	22nd of July 2022	View in browser here
Consultation	Normative Standards Review (2021)	No Close Date Link to consultation
Consultation	Decision Proposal 229 - CDR Participant Representation	Placeholder: no close date Link to consultation
Noting Paper	Noting Paper 255 - Approach to Telco Sector Standards	Link to consultation
Consultation	Decision Proposal 256 - Telco Endpoints Feedback closes: 5th of August 2022	Link to consultation
Consultation	Decision Proposal 257 - Customer Data Payloads for Telco Feedback closes: 5th of August 2022	Link to consultation
Noting Paper	Noting Paper 258 - Independent Information Security Review	Link to consultation
Guidance	Power of Attorney	CDR.gov.au Link
Presentation	Consent Overview	Planned for next week 4th of August 2022

CDR Stream Updates

Provides a weekly update on the activities of each of the CDR streams and their stream of work

Organisation	Stream	Member
ACCC	CDR Register	Emma Harvey
ACCC	CTS	Andrea Gibney
DSB	CX Standards	Amy Nussbaumer
DSB	Technical Standards - Energy	Hemang Rathod
DSB	Technical Standards - Banking	Mark Verstege
DSB	Technical Standards - Telecommunications	Brian Kirkpatrick
DSB	Technical Standards - Engineering & Register	James Bligh

Presentation

Title: ACCC launches CDR Sandbox to assist participant design, build & testing
Presenter: Andrew Grady
Media Release - https://www.accc.gov.au/media-release/accc-launches-cdr-sandbox-to-assist-participant-design-build-testing

Create an account and access the CDR Sandbox - https://cdrsandbox.gov.au/
Read CDR Sandbox resources - https://consumerdataright.atlassian.net/wiki/spaces/PT/pages/4948421/CDR+Sandbox
Raise an issue or log a request - https://github.com/ConsumerDataRight/sandbox

Q&A

Questions will be received by the community via WebEx chat before the questions are opened to the floor. Participants can submit questions outside of the CDR Implementation Call to the CDR Support Portal.

In regards to topics for questions, we ask the participants on the call to consider the Community Guidelines when posing questions to the subject matter experts.

Answer provided

Ticket #	Question	Answer
1625	The ACCC has published a revised Compliance Guide for Data Holder in the banking sector. Is there a change log available to advise of what changes/amendments have been made to the guide?	Thank you for your question. We have now published a Guidance Revision History on pg 4 of the Banking Compliance Guide. We hope this assists.
1638	The ACCC has published a revised Compliance Guide for Data Holder in the banking sector. Is there a change log available to advise of what changes/amendments have been made to the guide?	We have now published a change log detailing amendments from v1 to v2 of the Compliance Guide for Data Holders in the Banking Sector on pg 4 of the Banking Compliance Guide. We hope this assists.
1639	1. uncertain about the application of this guidance https://cdr-support.zendesk.com/hc/en-us/articles/4450461082639-Secondary-users-and-Closed-accounts where an auth signature is added after an account is closed In relation to (1): in our core system we create client 'entities' (Individual, Joint, Trust, SMSF, Company, etc). Accounts are opened and attached to the client entity. The 'human persons' associated with the entity are also attached as 'parties' to the entity. One party type is an authorised signatory (auth sig). Auth sigs are the most likely to be eligible as a secondary users because they have account privileges over all accounts attached to the client entity (whether full or restricted). In our structure an account can be closed before an auth sig is added to the entity (noting the closed account is still linked, but removed from view and made non-transactional). The most straightforward solution - which we believe is 'in the spirit of the CDR' - is to allow account holders to grant auth sigs a secondary user instruction over any attached account, even if it closed prior to the auth sig joining the entity. Hope this elaborates sufficiently. 2. uncertain about whether a person can have account privileges in relation to a term deposit where transactions can't be made In relation to (2): although a different consideration (i.e. term deposit and farm management deposit accounts not being 'transactional') we also consider 'the spirit of the CDR' is to allow secondary users to incorporate these into data sharing arrangements. It would therefore be helpful for the ACCC/CDS to confirm via guidance, to eliminate these ambiguous scenarios.	Thanks for your questions. Please see the below responses. Question 1 The CDR Rules do not specify that an account holder may only give a secondary user instruction in relation to an open account (see Rule 1.7). Therefore, in your example, if an authorised signatory is deemed to be eligible as a secondary user, the account holder may grant the authorised signatory a secondary user instruction, notwithstanding that the account is closed. The ACCC’s guidance on secondary users and closed accounts provides further relevant information on this scenario. Question 2 Clause 2.2 of Schedule 3 of the CDR Rules provides that a person in the banking sector has account privileges in relation to an account with a data holder if the account is for an in-scope product, which includes both term deposits and farm management deposit accounts (see Clause 1.4 of Schedule 3), and the person is able to make transactions on the account. We consider that ‘making a transaction’ includes depositing and withdrawing money from an account. Therefore, a person may be considered to have account privileges if they are able to deposit or withdraw money from the term deposit or farm management deposit account without being the account holder (or a joint account holder). For more information about secondary users, please also refer to the ACCC’s Secondary User FAQs.