3AU.02.17
17
CDR Rule 4.23(1)(b) requires data holders to give consumers information about the historical range of data that may be accessed under the authorisation. The historical range of consumer data a data holder may disclose can be: • up to 2 years, as required by the rules; • a shorter historical period, for example, if the consumer became a customer more recently or if the account was opened more recently (except in the energy sector, where LCCD requirements apply. See Energy sector information below); or • a longer historical period, such as the earliest holding date or a more recent date, which may be applicable if the data holder chooses to provide additional historical data voluntarily. Note 1: If historical ranges differ across datasets — for example, if one dataset goes back to 1 April 2023 and another dataset goes back to 30 August 2023 — then the data holder may consider either: • showing the specific historical range for each dataset, as demonstrated in the CX Guidelines, or • displaying the earliest historical date across all datasets (in this example, 1 April 2023). Note 2: The technical standards allow data recipients to limit how much historic data is collected when calling the relevant APIs using the oldest-time or oldest-date fields. Data holders must use these fields to constrain the data that they disclose. Data holders should be mindful of the fact that data recipients may wish to collect more or less historical data than the data holder makes available when developing wording to meet the requirements of rule 4.23(1)(b). The precise wording is at the data holder's discretion, but may consider, for example: This may include historical data that dates back [n years / to date], depending on your agreement with [ADR]. Banking and Non-Bank Lender sector Data holders must also refer to Subclauses 3.2(6) and (7) of Schedule 3. For open accounts, data holders must share a historical range of up to 2 years before the request date for transaction data, and up to 13 months for account data related to an authorisation for direct debit data. Data holders may voluntarily share older data. For closed accounts, if the relevant account is closed on the request date, CDR data, including historical data, related to that account is not considered required consumer data but can be shared voluntarily by the data holders. Energy sector Data holders must also refer to Subclauses 3.2(2)(b)(iii), (6) and (7) of Schedule 4. The last 2 years of billing data for a relevant account is required consumer data. 'Electricity usage’ energy data language data cluster — which pertains to metering data held by AEMO, as per clause 1.2–1.3(4) of Schedule 4 — is available for up to 2 years before the request date. This includes usage data for the duration that a customer has been the account holder for the given NMI, including any time before they became a customer of their current retailer.
CDR Rule 4.23(1)(b); Subclauses 3.2(6) and (7) of Schedule 3; Subclauses 3.2(2)(b)(iii), (6) and (7) of Schedule 4 | Technical Standards: Banking APIs, oldest-time field; Energy APIs, oldest-date field | CDR Support Portal: Historical transaction data: Earliest Holding Day; Guidance on Energy Last Consumer Change Date (LCCD)
Authorise: Authorisation to disclose
1 April 2021
24 September 2025