These guidelines provide examples for how to implement requirements related to changing disclosure options for joint accounts.
Overview
Data holders must provide joint account holders with a disclosure option management service. This service must allow joint account holders to:
- change the joint account to a more restrictive disclosure option;
- propose a change on a joint account to a less restrictive disclosure option; and
- respond to the proposal to change to a less restrictive disclosure option
The guidelines in this section focus on changing to a non-disclosure option in accordance with rule 4A.7, and obtaining agreement on change to a less restrictive disclosure option with accordance to rule 4A.8.
For further guidance, see ACCC's Revised joint account implementation guidance.
Wireframes and guidelines
Note: The wireframes shown are examples of how to implement key rules, standards, and guidelines. Use the on-screen functions to adjust zoom level or expand the wireframes to be viewed at full screen.
Change to a non-disclosure option
The following wireframes show an example of changing a disclosure option to a more restrictive option. In this example, account holder A (AH-A) changes the disclosure option from pre-approval option to non-disclosure option.
Change to a less restrictive disclosure option
The following wireframes show an example of changing a disclosure option to a less restrictive option. In this example, account holder A (AH-A) proposes to change from non-disclosure option to pre-approval option.
Download open source asset
Open source design assets are created in Figma for the purposes of assisting implementation. This Figma file contains annotated wireframes and working prototypes for Joint account disclosure option management service, including:
- Change to non-disclosure option
- Change to a less restrictive disclosure
Item | File | Date released | Version introduced |
|---|---|---|---|
5CM3. Joint account disclosure option management service v1.35.0.2025.09.26 | 5CM3. Joint account disclosure option management service v1.35.0.2025.09.26.fig | Sep 26, 2025 | 1.35.0 |
For past versions, refer to Change log.
About this page
References
The artefacts on this page were informed by the following sources.
Title | Author | Date published | URL | Type |
|---|---|---|---|---|
Change Request 691: CX Guidelines | Expanding Amending BCDC CX Guidelines | Data Standards Body (DSB) | Apr 15, 2025 | github.com | Consultations |
Joint account implementation guidance | Australian Competition and Consumer Commission (ACCC) | Feb 4, 2025 | www.cdr.gov.au | Guidance |
Noting Paper 207: Draft v3 Rules Analysis | Anticipated Data Standards | Data Standards Body (DSB) | Aug 4, 2021 | github.com | Consultations |
Draft v3 Rules consultation | The Treasury | Jul 1, 2021 | treasury.gov.au | Consultations |
Design Paper 176: an ‘opt-out’ data sharing model for joint accounts in the banking and energy sectors | Data Standards Body (DSB) | Apr 26, 2021 | github.com | Consultations |
Decision Proposal 162: CX Standards | Joint Accounts (see concept Notification Settings) | Data Standards Body (DSB) | Feb 15, 2021 | github.com | Consultations |
Phase 3, Round 3 Research Report | Data Standards Body (DSB) | Aug 31, 2020 | cx.dsb.gov.au | Research |
CX Workshop: Joint Accounts | Data Standards Body (DSB) | Aug 1, 2019 | miro.com | Consultations |
Last updated
This page was updated @Sep 26, 2025
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