| Wireframe ref | Type | Requirement level | Statement | Reference | Checklist ref | Focus area |
|---|---|---|---|---|---|---|
01 | CDR Rule | MAY | (2A) If a CDR consumer has given a collection consent requested under subrule (2) in relation to CDR data, and whether or not the CDR data has yet been collected, the accredited person may also ask the consumer to give a disclosure consent in relation to the CDR data. Note 1: In order to provide goods or services in accordance with the CDR consumer’s request, it might be necessary for the accredited person to request CDR data from more than 1 CDR participant. Note 2: The CDR data may be collected and used only in accordance with the data minimisation principle: see rule 1.8. | CDR Rule 4.3(2A) | 1CO4.00.01 | |
02 | CDR Rule | MUST | (1) When asking a CDR consumer to give a consent, an accredited person must: (ba) in the case of a disclosure consent―allow the CDR consumer to select the person to whom the CDR data may be disclosed; | CDR Rule 4.11(1)(ba) | 1CO4.00.02 | |
03 | CDR Rule | MUST | (4) Despite paragraph 7.5(1)(e), disclosure of a CDR insight under an insight disclosure consent is not a permitted use or disclosure if the CDR insight includes or reveals sensitive information within the meaning of the Privacy Act 1988. | CDR Rule 7.5A(4) | 1CO4.00.03 | |
04 | CDR Rule | MUST | (1) When asking a CDR consumer to give a consent, an accredited person must: (a) allow the CDR consumer to choose the types of CDR data to which the consent will apply by enabling the CDR consumer to actively select or otherwise clearly indicate: (i) in the case of a collection consent or a disclosure consent―the particular types of CDR data to which the consent will apply; | CDR Rule 4.11(1)(a)(i) | 1CO4.00.04 | |
05 | CDR Rule | MUST | (3) When asking a CDR consumer to give consent, the accredited person must give the CDR consumer the following information: (ca) in the case of an insight disclosure consent—an explanation of the CDR insight that will make clear to the CDR consumer what the CDR insight would reveal or describe; | CDR Rule 4.11(3)(ca) | 1CO4.00.05 | |
06 | CDR Rule | MUST | (3) For these rules, an insight disclosure consent in relation to particular CDR data of a CDR consumer held by an accredited data recipient, or a CDR representative that holds the CDR data as service data, is a disclosure consent given by the CDR consumer under these rules that: (a) authorises the accredited data recipient or CDR representative to disclose the CDR data to a specified person for one or more of the following purposes: (i) verifying the consumer’s identity; (ii) verifying the consumer’s account balance; (iii) verifying the details of credits to or debits from the consumer’s accounts; but (b) where the CDR data relates to more than one transaction—does not authorise the accredited data recipient or CDR representative to disclose an amount or date in relation to any individual transaction. | CDR Rule 1.10A(3) | 1CO4.00.06 | |
07 | CDR Rule | MUST | (1) An accredited person must give the CDR consumer a notice that complies with this rule (a CDR receipt) as soon as practicable after: (a) the CDR consumer gives the accredited person a collection consent, a use consent or a disclosure consent; | CDR Rule 4.18(1)(a) | 1CO4.00.07 | |
08 | CDR Rule | MUST | (4) A CDR receipt must be given in writing otherwise than through the CDR consumer’s consumer dashboard. | CDR Rule 4.18(4) | 1CO4.00.08 | |
09 | CDR Rule | MUST | (2) A CDR receipt given for the purposes of paragraph (1)(a) must set out: (a) the details that relate to the consent that are listed in paragraphs 1.14(3)(a) to (f); and (ba) in the case of a disclosure consent―the name of the person the CDR consumer has consented to the disclosure of CDR data to; and (c) any other information the accredited person provided to the CDR consumer when obtaining the consent (see rule 4.11). | CDR Rule 4.18(2)(a), (ba), (c) | 1CO4.00.09 | |
10 | CX Standard | SHOULD | Data recipients SHOULD explain the purpose of generating the insight. | Consent Standards, Disclosure Consent: Insight Descriptions, Insight disclosure: Purpose of insight | 1CO4.00.10 | |
11 | CX Standard | MUST | Data recipients MUST use plain and concise language to describe what an insight would reveal or describe. Where possible and practical, the actual insight SHOULD be displayed to the consumer prior to the insight being disclosed. Where it is not possible to display the actual insight, accredited data recipients SHOULD include an example of the insight that demonstrates what the insight may reveal or describe. Accredited data recipients SHOULD make clear that any such examples are hypothetical. | 1CO4.00.11 | ||
12 | CX Standard | MAY | Data recipients MAY explain how the insight will be generated using plain and concise language, which MAY include: • what method(s) would be used to generate the insight(s); • who would be involved in generating the insight(s), such as the specific actor(s); and • what information sources would be used to generate the insight, such as the specific dataset(s) | Consent Standards, Disclosure Consent: Insight Descriptions, Insight disclosure: Insight generation | 1CO4.00.12 | |
13 | CX Standard | MUST | Data recipients MUST specify the period the insight will refer to and MAY note when the insight will be or is expected to be generated. | Consent Standards, Disclosure Consent: Insight Descriptions, Insight disclosure: Insight timing | 1CO4.00.13 | |
14 | CX Standard | MUST | Data Recipients and Data Holders MUST use data language standards to describe data clusters and permissions in consumer-facing interactions. See the Banking Language section for language to be used when requesting banking data; and the Energy Language section for language to be used when requesting energy data. Data language standards MUST be used when CDR data is being requested, reviewed, or access to such data is withdrawn. Data Recipients and Data Holders MUST use the appropriate data standards language for business consumers as denoted with an '*' for the relevant data. Data Recipients and Data Holders SHOULD expand on the proposed language where appropriate to communicate further details of what is being shared. Additional details MAY include additional information in context, such as in-line help or tool tips, and/or additional permissions where they may exist. Examples of permission details that MAY be used and provided as in-line help are denoted with an '†' for the relevant data. | Data Language Standards: Common, Data Language Standards: Language to be used | 1CO4.00.14 | |
15 | CX Standard | MUST | In the course of seeking a consumer’s consent to disclose data as part of a disclosure consent: 1. Data Recipients MUST specify which CDR Participant(s) they collected the associated CDR data from 2. Data Recipients SHOULD specify the sector(s) the data was collected from or associated with Note: • Point (1) only requires the Data Recipient to refer to the CDR Participant(s) immediately preceding them in the disclosure chain, which may not always include a consumer’s Data Holder(s) • This standard is proposed to apply to all data to be disclosed by a Data Recipient, including unmodified, aggregated, derived, and transformed CDR data • Where applicable, the existing data language standards apply to descriptions of CDR data that have not been modified | 1CO4.00.15 | ||
16 | CX Standard | MUST | If: 1. An accredited person is seeking a collection consent to collect CDR data from a particular accredited data recipient; or 2. An accredited data recipient is seeking a disclosure consent from a consumer to disclose CDR data; and the data subject to the disclosure or collection is not within the data language standards as it does not relate to a relevant data cluster, then that data MUST be described in language that is as easy to understand as practicable. | Consent Standards, Disclosure consent: Descriptions of Data to be Collected and Disclosed | 1CO4.00.16 | |
17 | CX Standard | MUST | When seeking an insight disclosure consent, data recipients MUST provide instructions for how the consumer can access further records, including the actual insights (as per Rules 1.14 and 9.5). | 1CO4.00.17 | ||
18 | CX Standard | MUST | Data recipients MUST state that data disclosed to a non-accredited person will not be regulated as part of the Consumer Data Right. This information SHOULD be immediately viewable by the consumer without further interaction. Data recipients MAY include a plain and concise explanation of what this means, which MAY include information on the Consumer Data Right, and MAY include a link to the Office of the Australian Information Commissioner guidance on the Consumer Data Right. | 1CO4.00.18 | ||
19 | CX Standard | MUST | Data recipients MUST provide plain and concise information on dispute resolution and making a complaint. This SHOULD reflect the process and information contained in the data recipient’s CDR policy related to complaints. This MAY also include a link to the accredited data recipient’s CDR policy. | 1CO4.00.19 | ||
20 | CX Standard | MUST | Data recipients MUST advise the consumer to review how the non-accredited person will handle their data. | 1CO4.00.20 | ||
21 | CX Standard | MAY | If available, data recipients MAY include a link to any relevant data handling policies of the non-accredited person, such as their Privacy Policy. | 1CO4.00.21 | ||
22 | CX Standard | MUST | Data recipients MUST provide the information contained in the disclosure notification otherwise than in the consent flow. This SHOULD be contained in the consumer’s CDR Receipt. This SHOULD also be accessible in the consumer dashboard as part of the data sharing arrangement details. Note 1: The information to be included is limited to the following standards: CDR Protections; Review; Data Handling; Complaints; and Insight Records. The scope of information to include will depend on the accredited person’s specific implementation. Note 2: This standard does not alter any existing rules obligations for CDR receipts or dashboards. | 1CO4.00.22 | ||
23 | CX Guideline | MAY | Data recipients should consider providing up-front information to onboard consumer to the insight disclosure process. CX research suggested that the inclusion of clear information increased confidence and the ability for the consumer to be informed. | CX Research: 2021 Disclosure Consent report | 1CO4.00.23 | |
24 | CX Guideline | MAY | Data recipients may meet standards requirements in relation to complaint handling at appropriate points throughout the Consent Model, such as: • during Pre-consent; • within the Consent Flow, prior to disclosure to the non-accredited person, as required by the data standards; • within the CDR Receipt and/or Consumer Dashboards, as required by the disclosure notification standards. | Consent Standards, Disclosure Consent: Non-Accredited Person Disclosure Notification, Disclosure consent: Complaints | CX Research: 2021 Disclosure Consent report | 1CO4.00.24 | |
25 | CX Guideline | MAY | CX research suggested that, where a consumer does not have an existing relationship with a non-accredited person or trusted adviser, additional information from an independent source can increase confidence levels and informed consent. Data recipients may provide this information during the pre-consent phase, outside of the CDR system. | CX Research: Phase 3 Round 8 | 1CO4.00.25 | |
26 | CX Guideline | MAY | Data recipients may meet standards requirements in relation to non-accredited person data handling at appropriate points throughout the Consent Model, such as: • during Pre-consent; • during Consent, as required by the data standards in relation to data handling and disclosure notifications; • within the CDR Receipt and/or Consumer Dashboards, as required by the disclosure notification standards. | Consent Standards, Disclosure Consent: Non-Accredited Person Disclosure Notification | CX Research: 2021 Disclosure Consent report | 1CO4.00.26 | |
27 | CX Guideline | MAY | Data recipients should explain what information will not be shared with the non-accredited person. Research suggested that clarifying this supported informed consent and confidence in the process. | CX Research: 2021 Disclosure Consent report | 1CO4.00.27 | |
28 | CX Guideline | MAY | Data recipients should provide assurance that actual or permission-level data will only be accessed to generate insights and won't be disclosed to the non-accredited person or any other parties. | CX Research: 2021 Disclosure Consent report | 1CO4.00.28 | |
29 | CX Guideline | MAY | Depending on the appropriateness and the use case, data recipients may consider displaying the actual insight after consent to generate the insight has been given, but before the actual insight is disclosed to the non-accredited person. This will be unworkable in certain scenarios. However, as CX research suggested, doing this will aid comprehension and trust, and can also mitigate errors and incorrect outputs where the consumer is aware of incorrect details or insights being used. | CX Research: 2021 Disclosure Consent report | 1CO4.00.29 | |
30 | CX Guideline | MAY | CX standards require data recipients to use plain and concise language to describe insights. As a guide, data recipients may consider a reading grade of at least 7, and no more than 10, using the Flesch-Kincaid formula or the Automated Readability Index. | 1CO4.00.30 | ||
31 | CX Guideline | MAY | The common disclosure consent data standards may also apply to insight disclosure consents. For more information, see the CX guidelines about 'Disclosing modified data' (in 'Accredited Persons disclosure consents') | Data Language Standards: Common | Consent Standards | CX Guidelines: Disclosure Consents, Accredited Persons disclosure consents | 1CO4.00.31 | |
32 | CX Guideline | MAY | When data is requested and accessed, language used to describe the data must be described in accordance with the relevant CX standards; • ‘Data Language Standards: Language to be used’ and ‘Data Language Standards: Detailed scope requests’ applies when describing unmodified data from data holder(s). • ‘Consent Standards, Disclosure consent: Collection source’ applies when data is from multiple parties or sources. • ‘Consent Standards, Disclosure Consent: Descriptions of Data to be Collected and Disclosed’ applies when describing any dataset. | 1CO4.00.32 | ||
33 | CX Guideline | MAY | To describe data in easy to understand language, data recipients should have regard to the Accessibility Standards on reading experiences, with specific reference to WCAG 3.1.5, and draw from the Australian Government Style Manual on literacy and access. Data recipients should seek to, for example, describe data concisely, in plain language, with an Australian year 7 or lower readability level, and in a way that limits the use of unusual words, phrases, idioms, and jargon. | 1CO4.00.33 | ||
34 | CX Guideline | MAY | As per the CX standards, data recipients should explain the insight's purpose. This explanation may be done at a high-level or, where known, based on how the data recipient expects the insight will be used. | CDR Rule 1.10A(3) | Consent Standards, Disclosure Consent: Insight Descriptions, Insight disclosure: Insight comprehension | 1CO4.00.34 | |
35 | CX Guideline | MAY | Where applicable, data recipients should surface external links to '.gov.au' websites to allow consumers to further read about the CDR, if desired. | CX Research: 2021 Disclosure Consent report | 1CO4.00.35 | |
36 | CX Guideline | MAY | Data recipients are encouraged to provide simple summaries, developed with the insight recipient, explaining how the disclosed insights will be handled. This summary may, for example, highlight differences between CDR and non-CDR protections | CX Research: 2021 Disclosure Consent report | 1CO4.00.36 | |
37 | CX Guideline | MAY | If the non-accredited person does not have a Privacy Policy, data recipients are encouraged to provide the consumer with other details; • to contact the non-accredited person; or • to review up-to-date information on the non-accredited person's data handling policies. | CX Research: 2021 Disclosure Consent report | 1CO4.00.37 | |
38 | CX Guideline | MAY | Data recipients are encouraged to provide links to the non-accredited person’s data handling information for the consumer to review. CX research and consultation suggested that accurate information on data handling provided by the non-accredited person would increase trustworthiness and consumer comfort. | CX Research: 2021 Disclosure Consent report | 1CO4.00.38 | |
39 | CX Guideline | MAY | Data recipients should surface information about the data deletion process: • when data will be deleted; • why data may need to be retained (e.g. business or legal reasons); • how the data will be deleted, this may include timeframes. | CDR Rule 7.2(4)(k) | CX Research: 2020 Phase 3, Round 3 report; 2021 Disclosure Consent report | 1CO4.00.39 | |
40 | CX Guideline | MAY | CX research suggested that further information on data handling, including from government sources, can aid comprehension and confidence for Sceptics, Assurance Seekers and Sensemakers. Based on these insights, data recipients are encouraged to provide a link to OAIC’s guidance on Privacy Safeguard 12, which outlines information on data security and redundant data handling. | CDR Privacy Safeguard Guidelines: Privacy Safeguard 12 | CX Research: 2021 Disclosure Consent report | 1CO4.00.40 | |
41 | CX Guideline | MAY | Data recipients should provide a message to consumers that insight generation was successful. This message should be clearly visible and shown as soon as the action has taken place. This may also be an appropriate location to display the actual insights prior to or immediately following their disclosure. | 10 Usability Heuristics for User Interface Design: Visibility of system status (Nielsen) | 1CO4.00.41 | |
42 | CX Guideline | MAY | As per CDR Rule 4.18, data recipients are required to provide CDR receipts. Where separate consents are granted in a single flow, data recipients may provide a single CDR receipt that contains the details of each consent, or separate CDR receipts per consent. The CX Guidelines demonstrate an intuitive grouping that presents collection and use consent details in one CDR receipt, and disclosure consent details in a separate CDR receipt. This allows the receipts to be grouped according to relevant CDR Participant pairings. | CDR Rule 4.18 | 1CO4.00.42 | |
43 | CX Guideline | MAY | As per CDR Rules 4.11(3)(ca) and 4.18(2)(c), if data recipients show the actual insight(s) during the consent flow, they are also required to show the actual insight(s) in the CDR receipt. | CDR Rule 4.11(3)(ca), 4.18(2)(c) | 1CO4.00.43 | |
44 | CDR Rule | MUST NOT | (4) An accredited person must not make: (a) the giving of an insight disclosure consent; or (b) the specification of a particular person for the purposes of paragraph (3)(a); a condition for supply of the goods or services requested by the CDR consumer. | CDR Rule 1.10A(4) | 1CO4.00.44 | |
45 | CDR Rule | MUST | (7) To avoid doubt, paragraphs (4)(a), (5)(a) and (6)(a) do not apply where the only good or service that is requested by the CDR consumer is for CDR data to be collected from a data holder and CDR insights disclosed in accordance with the insight disclosure consent. | CDR Rule 1.10A(7) | 1CO4.00.45 | |
46 | CX Guideline | MAY | CDR Representatives seeking an Insight disclosure consent should refer to CDR Rules 1.10A(5), 1.10A(6) and Division 4.3A of the CDR Rules. | CDR Rules 1.10A(5), 1.10A(6), Division 4.3A | 1CO4.00.46 |