Updated @November 9, 2023
These guidelines show examples for how to implement requirements for providing alternative notification schedules.
Overview
Rule 4A.14(3) requires data holders to:
(a) provide for alternative notification schedules (including reducing the frequency of notifications or not receiving notifications) and
(b) give each joint account holder a means of selecting such an alternative, and of changing an election.
Alternative settings under 4A.14(3) only apply to the following notifications in 4A.14(1):
- The requester has given, amended, or withdrawn an authorisation
- Expiration of an authorisation
- A relevant account holder hasn’t given approval within a specified time frame
- A relevant account holder has withdrawn an approval
The guidelines in this section show examples for how to implement requirements for providing alternative notification schedules.
For further guidance, see ACCC's Revised joint account implementation guidance.
Wireframes and guidelines
Default example
The following wireframes show two example pathways for providing alternative notification schedules.
- In pathway 1, an account holder changes their joint account notification settings via the data holder settings options.
- In pathway 2, the relevant account holder (account holder B or AH-B) changes their joint account notification settings via an authorisation notification.
Download open source asset
Open sources design assets are created in Figma for the purposes of assisting implementation. This Figma file contains annotated wireframes and working prototypes for Joint account notification settings.
| Item | File | Date released | Version introduced |
|---|---|---|---|
June 8, 2022 | 1.17.0 |
For past versions, refer to Change log.
References
These CX Guidelines were informed by consultations and research conducted in 2020 to 2021, including the following:
- Consultations
- Treasury 2021, Draft v3 Rules consultation
- DSB 2021, Noting Paper 207 - Draft v3 Rules Analysis | Anticipated Data Standards
- DSB 2021, Decision Proposal 162 - CX Standards | Joint Accounts (see concept Notification Settings)
- DSB 2021, CX Workshop: Joint Accounts
- DSB 2021, Design Paper 176: an ‘opt-out’ data sharing model for joint accounts in the banking and energy sectors
- CX research
- DSB 2020, Phase 3, Round 3 report
- Other
Quick links to CX Guidelines:
→ cx@consumerdatastandards.gov.au → cx.cds.gov.au | cds.gov.au
