Introduction

The Version Delta tab can be used to see in context changes between this version of the standards and the immediately previous version of the standards.

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Note: changes to request and response payloads are listed at the beginning of the relevant API section due to the documentation being auto generated from OpenAPI specification files.

Additional note for v1.22.0: For this version only the delta statements from v1.21.0 have been retained in v1.22.0 as the release dates between the two versions were close together.  The affected delta statements will be noted as being associated with v1.21.0

These standards have been developed as part of the Australian Government's introduction of the Consumer Data Right legislation to give Australians greater control over their data.

The Consumer Data Right (CDR) is intended to be applied sector by sector across the whole economy, beginning in the banking, energy and telecommunications sectors. These standards have been developed to facilitate the Consumer Data Right by acting as a specific baseline for implementation.

These standards are maintained by the Data Standards Body (DSB) within Treasury, with the Data Standards Chair as the independent decision maker. The work of standards development is conducted in consultation with the Australian Competition and Consumer Commission (ACCC) and Office of the Australian Information Commissioner) (OAIC) as co-regulators of the Consumer Data Right (CDR).

The standards are required to be published. The obligations on CDR participants to apply the published standards commence on the commencement of the Consumer Data Right rules:

• where the rules require compliance with the standards, non-compliance with the standards may constitute a breach of the rules.
• where the standards are specified as binding standards as required by the Consumer Data Right rules for the purposes of s56FA of the legislation, they apply as under contract between a data holder and an accredited data recipient. The legal effect of binding standards as between data holders and accredited data recipients is fully set out in s56FD and s56FE of the legislation.

Version

These standards represent version 1.22.0 of the high level standards. See the versioning section for more information on how versions are managed in the standard.

Interpretation

Note that, in these standards, the key words MUST, MUST NOT, REQUIRED, SHALL, SHALL NOT, SHOULD, SHOULD NOT, RECOMMENDED, MAY, and OPTIONAL are to be interpreted as described in [RFC2119].

Future Dated Obligations

The standards, as published from time to time, may include specific statements indicating that a specific section of the standards will not take effect until a future date or may cease to have effect on some future date.

The table below highlights these areas of the standards.

**v1.21.0 Change**
Updated obligation dates for FAPI 1.0 Phase 3
+ Added obligation dates for FAPI 1.0 Phase 4
Updated Get Energy Accounts V2 and Get Energy Account Detail V2 obligation dates in line with the change to FY23 #3 obligation mileston

Section	Description	Applicable Date
Standard Error Codes	Data Recipients and Data Holders MAY implement the standard error codes from July 1st 2021	July 1st 2021
Get Metrics V2	Version 2 of this end point MUST be made available by affected data holders by the end of July 2021	July 31st 2021
Get Metrics V1	Data holders MAY obsolete version 1 of this end point from October 31st 2021. Data Holders who go live with consumer data sharing from July 1st 2021 MAY go live with only Get Metrics v2 support. The CDR Register MUST upgrade their implementation to use version 2 by this time	October 31st 2021
Amending Consent	Data Holders MUST implement the following standards from November 1st 2021 when a CDR consumer is invited to amend a current authorisation as per rule 4.22A and the ADR has supplied a cdr_arrangement_id	November 1st 2021
CX Standards: Unavailable Accounts	Data Holders MAY implement the following data standards effective from 1 November 2021: Unavailable Accounts: No accounts can be shown Unavailable Accounts: Authorisation not permitted Unavailable Accounts: Request sharing rights	November 1st 2021
CX Standards: Withdrawals	Data Holders MUST implement the following data standards effective from 1 February 2022: Withdrawal: Secondary User Instruction	February 1st 2022
Standard Error Codes	Data Recipients and Data Holders MUST implement the standard error codes from February 1st 2022	February 1st 2022
Data Recipient CDR Arrangement Endpoint	From March 31st 2022, Data Recipients MUST support "CDR Arrangement JWT" method and "CDR Arrangement Form Parameter" method. Data Recipients SHOULD support the "CDR Arrangement JWT" method before March 31st 2022	March 31st 2022
Profile Scope Data Language	For new and amended consents and authorisations only, CDR participants SHOULD comply with the following standards from 1 February 2022, but MUST comply by 1 July 2022: Technical Standards: Revised Claims CX Standards: Profile Scope - Data Language Standards Note: These standards changes do not apply to existing consents and authorisations unless they are amended on or following the compliance dates.	July 1st 2022
CX Standards: Joint Accounts	Data holders MUST implement the following data standards from 1 July 2022: Notifications: Alternative notification schedules for joint accounts Notifications: Joint account alerts Authorisation: Pending status Withdrawal: Joint accounts	July 1st 2022
Information Security profile	FAPI 1.0 adoption is introduced across three phases. Phase 1: Voluntary FAPI 1.0 support & hygiene enhancements includes, amongst other changes: Enforces requirements for authorisation code, token and request object use Data Holders MAY support of FAPI 1.0 Final Data Holders MAY support of Authorization Code Flow (including [PKCE] and [JARM]) in conjunction with Hybrid Flow	July 4th 2022
Get Payee Detail V2	Version 2 of this end point MUST be made available by affected data holders by July 31st 2022	July 31st 2022
Data Recipient CDR Arrangement Endpoint	From July 31st 2022, Data Holders MUST revoke consent using "CDR Arrangement JWT" method. Data Holders SHOULD use the "CDR Arrangement JWT" method from March 31st 2022	July 31st 2022
Get Payees V2	Version 2 of this end point MUST be made available by affected data holders by July 31st 2022	July 31st 2022
Self-Signed JWT Client Authentication	Until July 31st 2022, Data Recipients MUST accept the Resource Path for the endpoint and the <RecipientBaseURI> as a valid audience value. From July 31st 2022, Data Holders MUST use an audience value matching the Resource Path for the endpoint and the Data Recipient MUST verify the audience matches the Resource Path for the endpoint.	July 31st 2022
Get Payees V1	Data holders MAY obsolete version 1 of this end point from August 31st 2022. Data recipients MUST upgrade their implementations to use version 2 by this time	August 31st 2022
Get Payee Detail V1	Data holders MAY obsolete version 1 of this end point from August 31st 2022. Data recipients MUST upgrade their implementations to use version 2 by this time	August 31st 2022
Information Security profile	FAPI 1.0 adoption is introduced across three phases. Phase 2: FAPI 1.0 Final (Baseline & Advanced) includes, amongst other changes: Enforces additional requirements for authorisation code, token and request object use Enforces PAR-only authorisation request data submission Refresh token cycling is not permitted Data Holders and Data Recipients MUST support FAPI 1.0 Final including [RFC9126], [RFC7636] and [JARM] Data Holders SHOULD support of Authorization Code Flow in conjunction with Hybrid Flow	September 16th 2022
Get Metrics V3	Version 3 of this end point MUST be made available by affected data holders by October 1st 2022	October 1st 2022
Standard Error Codes	Data Holders MAY retire application-specific error codes in favour of standard error codes from November 1st 2022	November 1st 2022
Data Recipient CDR Arrangement Endpoint	From November 15th 2022, Data Recipients MUST validate the cdr_arrangement_id, if presented, is the same as the value included in the "CDR Arrangement JWT".	November 15th 2022
Registration Validation	Data Holders MUST ignore unsupported authorisation scopes presented in the SSA for the creation and update of client registrations from August 31st 2022	August 31st 2022
Get Account Detail V2	Version 2 of this end point MUST be made available by affected data holders by November 30th 2022	November 30th 2022
Get Customer Detail V2	Version 2 of this end point MUST be made available by affected data holders by November 30th 2022	November 30th 2022
Get Product Detail V4	Version 4 of this end point MUST be made available by affected data holders by November 30th 2022	November 30th 2022
Get Metrics V2	Data holders MAY obsolete version 2 of this end point from December 5th 2022. Data Holders in the energy sector MAY go live with only Get Metrics v3 support. The CDR Register MUST upgrade their implementation to use version 3 by this time	December 5th 2022
Get Account Detail V1	Data holders MAY obsolete version 1 of this end point from February 28th 2023. Data recipients MUST upgrade their implementations to use version 2 by this time	February 28th 2023
Get Product Detail V3	Data holders MAY obsolete version 3 of this end point from February 28th 2023. Data recipients MUST upgrade their implementations to use version 4 by this time	February 28th 2023
Get Customer Detail V1	Data holders MAY obsolete version 1 of this end point from February 28th 2023. Data recipients MUST upgrade their implementations to use version 2 by this time	February 28th 2023
Get Energy Accounts V1	Data Holders MAY go-live on November 15 2022 with v1 of this endopint Data Holders MAY decommission v1 of this endopint as soon v2 is supported	November 15th 2022
Get Energy Account Detail V1	Data Holders MAY go-live on November 15 2022 with v1 of this endopint Data Holders MAY decommission v1 of this endopint as soon v2 is supported	November 15th 2022
Error Codes: Secondary Data Holder flag	Data Holders MAY implement the isSecondaryDataHolderError field on November 15 2022 Affected Data Holders MUST implement isSecondaryDataHolderError field by May 15 2023	May 15th 2023
Get Energy Accounts V2	Data Holder MUST implement v2 of this endpoint by April 14th 2023	April 14th 2023
Get Energy Account Detail V2	Data Holder MUST implement v2 of this endpoint by April 14th 2023	April 14th 2023
Information Security profile	FAPI 1.0 adoption is introduced across four phases. Phase 3: Support Authorization Code Flow and Hybrid Flow includes, amongst other changes: Data Holders MUST support Authorization Code Flow Data Holders MUST support Hybrid Flow	April 14th 2023
Information Security profile	FAPI 1.0 adoption is introduced across four phases. Phase 4: Retire Hybrid Flow: Data Holders MAY retire Hybrid Flow	July 10th 2023
Get Accounts V2	Version 2 of this end point MUST be made available by affected data holders by July 10th 2023	July 10th 2023
Get Account Detail V3	Version 3 of this end point MUST be made available by affected data holders by July 10th 2023	July 10th 2023
Get Accounts V1	Data Holders MAY decommission v1 of this end point from March 11th 2024	March 11th 2024
Get Account Detail V2	Data Holders MAY decommission v2 of this end point from March 11th 2024	March 11th 2024

Register Dependency Schedule

The Register APIs dependency schedule specifies the latest dates the CDR Register can release API versions. Delivery past these dates may impact the ability for data holders and data recipients to meet their future dated obligations.

The table below highlights these dependency dates.

Section	Description	Dependency Date
Get Data Holder Brands Summary V1	CDR Register must introduce version 1 of this end point by October 1st 2022	October 1st 2022
Get Data Holder Brands V2	CDR Register must introduce version 2 of this end point by November 15th 2022	November 15th 2022
Get Software Statement Assertion (SSA) V3	CDR Register must introduce version 3 of this end point by November 15th 2022	November 15th 2022
Get Software Products Statuses V2	CDR Register must introduce version 2 of this end point by November 15th 2022	November 15th 2022
Get Data Recipient Statuses V2	CDR Register must introduce version 2 of this end point by November 15th 2022	November 15th 2022
Get Data Recipients V3	CDR Register must introduce version 3 of this end point by November 15th 2022	November 15th 2022
Get Data Holder Statuses V1	CDR Register must introduce version 1 of this end point by November 15th 2022	November 15th 2022

The actual release dates for the Register APIs are expected to occur prior to these dates and are not defined by the Standards.

Endpoint Version Schedule

A table-view of all endpoint versioning is available here.

Normative References

Reference	Description	Version
[DCR]	OAuth 2.0 Dynamic Client Registration Protocol: https://datatracker.ietf.org/doc/html/rfc7591	Jul 2015
[FAPI-R-Draft]	Financial-grade API - Part 1: Read Only API Security Profile: https://openid.net/specs/openid-financial-api-part-1-ID2.html	Draft-06
[FAPI-RW-Draft]	Financial-grade API - Part 2: Read and Write API Security Profile: https://openid.net/specs/openid-financial-api-part-2-ID2.html	Draft-06
[FAPI-1.0-Baseline]	Financial-grade API Security Profile 1.0 - Part 1: Baseline: https://openid.net/specs/openid-financial-api-part-1-1_0.html	March 2021
[FAPI-1.0-Advanced]	Financial-grade API Security Profile 1.0 - Part 2: Advanced: https://openid.net/specs/openid-financial-api-part-2-1_0.html	March 2021
[JARM]	Financial-grade API: JWT Secured Authorization Response Mode for OAuth 2.0 (JARM): https://bitbucket.org/openid/fapi/src/master/Financial_API_JWT_Secured_Authorization_Response_Mode.md	October 2020
[JSON]	The JavaScript Object Notation (JSON) Data Interchange Format: https://tools.ietf.org/html/rfc8259	Dec 2017
[JWA]	JSON Web Algorithms (JWA): https://tools.ietf.org/html/rfc7518	May 2015
[JWE]	JSON Web Encryption (JWE): https://tools.ietf.org/html/rfc7516	May 2015
[JWK] / [JWKS]	JSON Web Key (JWK): https://tools.ietf.org/html/rfc7517	May 2015
[JWS]	JSON Web Signature (JWS): https://tools.ietf.org/html/rfc7797	Feb 2016
[JWT]	JSON Web Token (JWT): https://tools.ietf.org/html/rfc7519	May 2015
[MTLS]	OAuth 2.0 Mutual TLS Client Authentication and Certificate Bound Access Tokens: https://tools.ietf.org/html/rfc8705	Feb 2020
[OAUTH2]	The OAuth 2.0 Authorization Framework: https://tools.ietf.org/html/rfc6749	Oct 2012
[OIDC]	OpenID Connect Core 1.0 incorporating errata set 1: http://openid.net/specs/openid-connect-core-1_0.html	Nov 2014
[OIDD]	OpenID Connect Discovery 1.0 incorporating errata set 1: http://openid.net/specs/openid-connect-discovery-1_0.html	Nov 2014
[PAR]	OAuth 2.0 Pushed Authorization Requests: https://tools.ietf.org/html/draft-ietf-oauth-par-01	Feb 2020
[PKCE]	Proof Key for Code Exchange by OAuth Public Clients: https://datatracker.ietf.org/doc/html/rfc7636	September 2015
[TDIF]	Digital Transformation Agency - Trusted Digital Identity Framework https://www.digitalidentity.gov.au/tdif	Apr 2019
[RFC2119]	Key words for use in RFCs to Indicate Requirement Levels https://tools.ietf.org/html/rfc2119	Mar 1997
[RFC2397]	The "data" URL scheme: https://tools.ietf.org/html/rfc2397	Aug 1998
[RFC3339]	Date and Time on the Internet: Timestamps: https://tools.ietf.org/html/rfc3339	Jul 2002
[RFC4122]	A Universally Unique IDentifier (UUID) URN Namespace: https://tools.ietf.org/html/rfc4122	Jul 2005
[RFC4627]	The application/json Media Type for JavaScript Object Notation (JSON): https://tools.ietf.org/html/rfc4627	Oct 2006
[RFC4648]	The Base16, Base32, and Base64 Data Encodings: https://tools.ietf.org/html/rfc4648	Oct 2006
[RFC5322]	Internet Message Format: https://tools.ietf.org/html/rfc5322	October 2008
[RFC6750]	The OAuth 2.0 Authorization Framework: Bearer Token Usage: https://tools.ietf.org/html/rfc6750	Oct 2012
[RFC7009]	OAuth 2.0 Token Revocation: https://tools.ietf.org/html/rfc7009	Aug 2013
[RFC7523]	JSON Web Token (JWT) Profile for OAuth 2.0 Client Authentication and Authorization Grants: https://tools.ietf.org/html/rfc7523	May 2015
[RFC7662]	OAuth 2.0 Token Introspection: https://tools.ietf.org/html/rfc7662	Oct 2015
[RFC8414]	OAuth 2.0 Authorization Server Metadata: https://tools.ietf.org/html/rfc8414	Jun 2018
[RFC9126]	OAuth 2.0 Pushed Authorization Requests: https://tools.ietf.org/html/rfc9126	Sep 2021

Informative References

Reference	Description
[ACCC]	The Australian Competition and Consumer Commission is responsible for accrediting data recipients to participate in CDR, building and maintaining the Register of data recipients and data holders, providing support and guidance to participants and promoting compliance with the CDR rules and standards, including taking enforcement action where necessary. https://www.accc.gov.au/focus-areas/consumer-data-right-cdr-0
[ANZSCO]	ANZSCO - Australian and New Zealand Standard Classification of Occupations : http://www.abs.gov.au/ANZSCO
[ANZSIC-2006]	1292.0 - Australian and New Zealand Standard Industrial Classification (ANZSIC), 2006 (Revision 2.0) : http://www.abs.gov.au/anzsic
[BCP195]	Recommendations for Secure Use of Transport Layer Security (TLS) and Datagram Transport Layer Security (DTLS): https://tools.ietf.org/html/bcp195
[CDR]	Consumer Data Right: http://cdr.gov.au
[E.164]	The international public telecommunication numbering plan: http://www.itu.int/rec/T-REC-E.164-201011-I/en
[FAPI]	Financial-Grade API - Home Page https://openid.net/wg/fapi/
[OAIC]	The Office of the Australian Information Commissioner is responsible for regulating privacy and confidentiality under the CDR. The OAIC also handles complaints and notifications of eligible data breaches relating to CDR data. https://www.oaic.gov.au/consumer-data-right
[RFC3966]	The tel URI for Telephone Numbers: https://tools.ietf.org/html/rfc3966
[RFC7231]	Hypertext Transfer Protocol (HTTP/1.1): Semantics and Content: https://tools.ietf.org/html/rfc7231
[Treasury]	The Treasury leads CDR policy, including development of rules and advice to Government on which sectors the CDR should apply to in the future. The DSB within Treasury is responsible for the creation of the technical standards for the sharing of product and consumer data. https://treasury.gov.au/consumer-data-right
[X.1254]	X.1254 - Entity authentication assurance framework: https://www.itu.int/rec/T-REC-X1254-201209-I/en

High Level Standards

This section contains components of the standards that are foundational and generally applicable.

Principles

The following principles, classified as Outcome Principles and Technical Principles, are the basis for the development of the standards for the Consumer Data Right.

Outcome Principles

These principles articulate qualitative outcomes that the API definitions should seek to deliver.

Outcome Principle 1: APIs are secure

The API definitions will consider and incorporate the need for a high degree of security to protect customer data. This includes the risk of technical breach but also additional concerns of inadvertent data leakage through overly broad data payloads and scopes. The security of customer data is a first order outcome that the API standards must seek to deliver.

Outcome Principle 2: APIs use open standards

In order to promote widespread adoption, open standards that are robust and widely used in the industry will be used wherever possible.

Outcome Principle 3: Data sharing provides a positive consumer experience

The standards will ensure that CDR consumers have simple, informed, and trustworthy data sharing experiences that provide them with positive outcomes over the short and long term.

Outcome Principle 4: APIs provide a good developer experience

To ensure that the entry hurdle for new developers is low the experience of the developers that are building clients using the APIs will be considered. The ability for a developer to easily understand and write code using the APIs in modern development environments should be facilitated by the API standards.

Outcome Principle 5: Standards are consistent across sectors

The standards will strive for consistency in patterns, structure, security mechanisms and user experience across sectors to facilitate the development of customer experiences and services that are able to integrate data from multiple sectors seamlessly and to reduce the cost of customer education for new sectors.

Technical Principles

These principles articulate specific technical outcomes that the API definitions should seek to deliver.

Technical Principle 1: APIs are RESTful

The API standards will adhere to RESTful API concepts where possible and sensible to do so. In particular the concepts of statelessness and resource orientation will be followed.

Technical Principle 2: APIs are implementation agnostic

The underlying implementation of the APIs should not be constrained or driven by the API definitions and standards. Conversely, the underlying implementation choices should not be visible or derivable to the client applications using the APIs.

Technical Principle 3: APIs are simple

As complexity will increase implementation costs for both holders and clients as well as reduce the utility of the APIs, API definitions should seek to be as simple as possible but no simpler.

Technical Principle 4: APIs are rich in capability

As the APIs are defined care should be taken to ensure that the data payloads defined represent rich data sets that can be used in many scenarios, including scenarios not necessarily front of mind during the design process.

Technical Principle 5: APIs are performant

The API definitions should consider and incorporate performance implications during design ensuring that repeated calls are not necessary for simple use cases and that payload sizes do not introduce performance issues.

Technical Principle 6: APIs are consistent

The API definitions across the full suite of APIs should be consistent with each other as much as possible. Where possible common data structures and patterns should be defined and reused.

Technical Principle 7: APIs are version controlled and backwards compatible

As the API definitions evolve care will be taken to ensure the operation of existing clients are protected when breaking changes occur. Breaking changes will be protected by a well-defined version control model and by a policy of maintaining previous versions for a period of time to allow for backwards compatibility.

Technical Principle 8: APIs are extensible

The API definitions and standards should be built for extensibility. This extensibility should accommodate future API categories and industry sectors but it should also allow for extension by data holders to create unique, value add offerings to the ecosystem.

Consumer Experience Principles

These principles articulate qualitative outcomes for consumer experience that the standards should seek to deliver.

CX Principle 1: The CDR is Consumer-centric

The CDR consumer experience is intuitive and is centred on consumer attitudes, needs, behaviours, and expectations – noting that these may change over time.

CX Principle 2: The CDR is Accessible and Inclusive

A diverse range of people are able to access, use, and comprehend the CDR ecosystem regardless of their background, situation, experience, or personal characteristics.

CX Principle 3: The CDR is Comprehensible

When interacting with the CDR, consumers are able to understand the following:

• who their data is shared with;
• what information is shared;
• when sharing begins and ceases;
• where data is shared to and from;
• why their data is being requested; and
• how they can manage and control the sharing and use of their data.

CX Principle 4: The CDR is Simple and Empowering

Consumer interactions with the CDR are as simple as possible, but not at the expense of informed consent, consumer control, transparency, privacy, or comprehension. Consumers should be encouraged to be privacy conscious without experiencing cognitive loads that lead to disengagement. Consumers should also be empowered by the CDR without interactive burdens being placed on them.

CX Principle 5: Consent is Current

Consent is granted at a point in time and is only as current as the consumer’s original intent. Consumer attitudes and behaviours may change over time and be impacted by external events such as the expansion of the CDR or consumer awareness. Consent terms should always align to current consumer preferences.

Versioning

The standards have adopted a two level versioning strategy. The high level standards (including principles, Uniform Resource Identifier structure, payload naming conventions, etc) be versioned and each API end point will have an additional version specific to that end point.

Documentation Versioning

Sample versioning of the standards documentation is as follows: 1.12.2 - meaning major version 1, minor version 12 and bugfix version 2

The standards documentation will be versioned using three version parts <major>.<minor>.<bug fix>. This version will be used to describe updates in the Change Log.

Each of the three components will be independently incrementing integers and are described as follows:

• major: Major version of the standards. Reserved for increment only when a set of changes are applied that are large enough to make co-existence in the same implementation environment with previous versions untenable. This would include major changes to the information security profile, major changes to the high level standards or a change in basic protocols.
• minor: Significant changes to the standards. This would include changes that require approval by the Chair of the Data Standards Body such as new end points and new versions of existing end points.
• bug fix: Minor documentation changes that clarify or correct the standards but do not meaningfully alter the standards.

Uniform Resource Identifier (URI) Versioning

The base path structure containing the "version" for this standard is:
https://<holder-path>/cds-au/v<major version>/<industry>

The high level standard will be versioned as described above. The major component of this version will be embedded in the URI Structure for the APIs. This allows for a data holder to support multiple major versions of the standards in production even if the significant breaking changes occur between major versions.

End Point Versioning

Each end point will have multiple versions independent of other end points. A specific end point version will be requested by a client using a HTTP header. This header will be supported by all end points under the API standards. See the section on HTTP Headers for more information on how versions are requested and supplied under the standards.

A table-view of all endpoint versioning is available here.

URI Structure

Some example URIs that meet this standard are:

1. https://www.bank.com.au/api/cds-au/v1/banking/accounts
2. https://www.bank.com.au/api/cds-au/v1/banking/accounts/abc123/transactions/?x=y#bar
3. https://www.bank.com.au/complex/uri/taxonomy/cds-au/v1/banking/products?page=2
4. https://www.energyretailer.com.au/api/cds-au/v1/energy/usage
5. https://www.energyretailer.com.au/api/cds-au/v1/ACME/apply

The holder path for each example is:

1. www.bank.com.au/api
2. www.bank.com.au/api
3. www.bank.com.au/complex/uri/taxonomy
4. www.energyretailer.com.au/api
5. www.energyretailer.com.au/api

The Base Path for each example is:

1. https://www.bank.com.au/api/cds-au/v1/banking
2. https://www.bank.com.au/api/cds-au/v1/banking
3. https://www.bank.com.au/complex/uri/taxonomy/cds-au/v1/banking
4. https://www.energyretailer.com.au/api/cds-au/v1/energy
5. https://www.energyretailer.com.au/api/cds-au/v1/ACME

The Resource Path for each example is:

1. https://www.bank.com.au/api/cds-au/v1/banking/accounts
2. https://www.bank.com.au/api/cds-au/v1/banking/accounts/abc123/transactions
3. https://www.bank.com.au/complex/uri/taxonomy/cds-au/v1/banking/products
4. https://www.energyretailer.com.au/api/cds-au/v1/energy/usage
5. https://www.energyretailer.com.au/api/cds-au/v1/ACME/apply

The URI structure for API end points in the standards MUST be implemented as follows:

uri-string =  "https://" <holder-path> "/" cds-au "/" <version> "/" ( <industry> | <HID> ) "/" <resource>


The components of this URI structure are described as follows:
<holder-path>  = string.
The holder path is a path set by the data holder. It can be any URI desired by the holder. While all authenticated end points must be accessible under the same holder path the data holder may stipulate a different holder path for unauthenticated end points.
cds-au         = "cds-au" string.
This is a static string representing the end points defined by the Consumer Data Standards for Australia. This static string allows for separation from other APIs available at the same base holder path and also allows for extension if the standards are adopted by another jurisdiction in whole or in part.
<version>      = "v1" string.
The major version of the high level standards. This is not the version of the endpoint or the payload being requested but the version of the overall standards being applied. This version number will be “v” followed by the major version of the standards as a positive integer (e.g. v1, v12 or v76).
<industry>     = banking / energy / telco / common
A static string used to separate APIs for a specific industry. As standards for new industries are defined the list of industry strings will be extended.
Note that the currently accepted values for the industry component of the Base Path are:
banking = "banking" string. For APIs related to banking and potentially wider financial services data,
energy  = "energy" string. For APIs related to the energy distribution industry,
telco   = "telco" string. For APIs related to telecommunications,
common  = "common" string. For APIs that potentially span industries.
<HID>          = string.
The Holder Identifier used to denote extension API categories for a specific holder.
<resource>     = string.
The URI for the specific resource requested. This end point URI will be defined as part of the end point definitions for each API group.

Base Path
Base Path is intended to be the portion of the URL up to but not including the endpoint resource. In other words, the base path is the portion of the URL up to and including the <industry> or <HID> component. The Base Path string is defined as follows:

https:// <holder-path> / cds-au / <version> / ( <industry> | <HID> )

Resource Path
The Resource Path is intended to be the portion of the URL including the Base Path and resource location. The Resource Path string is defined as: <base-path> / <resource>.

Resource URIs

Resources that are collections, and members of collections, will follow the JSONAPI.org recommendation.

Under this model, collections, individual members and collection sub-resources would be accessed as follows:

GET …/accounts	Returns an array of accounts
GET …/accounts/{id}	Returns the detail of a specific account
GET …/accounts/transactions	Returns the transactions of multiple accounts
GET …/accounts/{id}/transactions	Returns the transactions of a specific account
POST …/accounts	Create a new account
POST …/accounts/search	Returns an array of accounts based on a complex query

The final example above represents a complex query accessed via a POST request. In this situation the POST URI should be applied to a sub-resource of the collection. A POST to a collection is reserved for the creation of a new collection member.

If no valid sub-resource exists then a dedicated sub-resource should be created, such as the “search” URI listed in the example above.

HTTP Headers

Supported HTTP headers, and their usage, for the standards are as laid out in the following sections.

Request Headers

A sample set of headers requesting version 3 to 5:

Content-Type : application/json;charset=UTF-8
Accept : application/json;charset=UTF-8
x-v : 5
x-min-v : 3
x-fapi-interaction-id : 6ba7b814-9dad-11d1-80b4-00c04fd430c8
x-fapi-auth-date : Thu, 16 Jan 2020 16:50:15 GMT
x-fapi-customer-ip-address : 2001:0db8:85a3:0000:0000:8a2e:0370:7334
x-cds-client-headers : TW96aWxsYS81LjAgKFgxMTsgTGludXggeDg2XzY0KSBBcHBsZVdlYktpdC81MzcuMzYgKEtIVE1MLCBsaWtlIEdlY2tvKSBDaHJvbWUvNzkuMC4zOTQ1Ljg4IFNhZmFyaS81MzcuMzY=

A Data Holder must be able to process Content-Type headers in accordance with [RFC7231]. The following would be valid:

Content-Type: application/json;charset=UTF-8
Content-Type: application/json
Content-Type: AppliCAtion/JSon;Charset=uTf-8

A Data Holder must be able to process Accept headers in accordance with [RFC7231]. The following would be valid:

Accept: */*
Accept: application/json;charset=UTF-8
Accept: application/json
Accept-Encoding: charset=UTF-8
Accept: AppliCAtion/JSon;Charset=uTf-8

Header Field	Description	Mandatory?
Content-Type	Standard HTTP Header. Represents the format of the payload provided in the request. The media type must be set to application/json. Mandatory for PUT and POST calls.	Conditional
Accept	If specified, the media type must be set to application/json, unless otherwise specified in the resource end point standard. If set to an unacceptable value the holder must respond with a 406 Not Acceptable. If not specified, or a wildcard (*/*) is provided, the default media type is application/json.	Optional
x-v	Version of the API end point requested by the client. Must be set to a positive integer. The holder should respond with the highest supported version between x-min-v and x-v. If the value of x-min-v is equal to or higher than the value of x-v then the x-min-v header should be treated as absent. If all versions requested are not supported then the holder must respond with a 406 Not Acceptable.	Mandatory
x-min-v	Minimum version of the API end point requested by the client. Must be set to a positive integer if provided. The holder should respond with the highest supported version between x-min-v and x-v. If the value of x-min-v is equal to or higher than the value of x-v then the x-min-v header should be treated as absent. If all versions requested are not supported then the holder must respond with a 406 Not Acceptable.	Optional
x-<HID>-v	A holder specific version of extension fields. Should not be used in conjunction with x-min-v.	Optional
x-fapi-interaction-id	An optional [RFC4122] UUID used as a correlation id. If provided, the data holder must "play back" this value in the x-fapi-interaction-id response header. Not required for unauthenticated calls.	Optional
x-fapi-auth-date	The time when the customer last logged in to the Data Recipient Software Product as described in [FAPI-R-Draft]. Required for all resource calls (customer present and unattended). Not required for unauthenticated calls.	Conditional
x-fapi-customer-ip-address	The customer's original IP address if the customer is currently logged in to the Data Recipient Software Product. The presence of this header indicates that the API is being called in a customer present context. Not to be included for unauthenticated calls.	Conditional
x-cds-client-headers	The customer's original standard http headers Base64 encoded, including the original User Agent header, if the customer is currently logged in to the Data Recipient Software Product. Mandatory for customer present calls. Not required for unattended or unauthenticated calls. This header is not required to include: Headers containing security information Custom or proprietary headers used to facilitate the client application	Conditional

Response headers

Header Field	Description	Mandatory?
Content-Type	Standard HTTP Header. Represents the format of the payload returned in the response. Must be application/json unless otherwise specified in the resource end point standard.	Mandatory
Retry-After	Header indicating the time (in seconds) that the client should wait before retrying an operation. The holder should include this header along with responses with the HTTP status code of 429 Too many requests.	Optional
x-v	The version of the API end point that the holder has responded with.	Mandatory
x-fapi-interaction-id	An [RFC4122] UUID used as a correlation id. The data holder must set the response header x-fapi-interaction-id to the value received from the corresponding request header or to a new [RFC4122] UUID value if the request header was not provided. This header MUST be responded for success and error responses for authenticated APIs.	Mandatory

Additional Headers

Generally understood headers used in HTTP transactions to provide caching guidance and the use of the compression are not specified but are considered acceptable. It is at the discretion of the data holder if these headers are used for a specific implementation. Data holders should not require these headers for successful API access, however.

HTTP Response Codes

The handling and usage of HTTP response codes for the standards will be according to the following table.

Situation	HTTP Status	Notes	POST	GET	DELETE
Query completed successfully	200 OK		Yes	Yes	No
Normal execution. The request has succeeded.	201 Created	The operation results in the creation of a new resource.	Yes	No	No
Delete operation completed successfully	204 No Content		No	No	Yes
The response is not modified since last call	304 Not Modified	May be returned if standard caching headers such as ETag or If-modified-since are utilised	Yes	Yes	No
Request has malformed, missing or non-compliant JSON body or URL parameters	400 Bad Request	The requested operation will not be carried out.	Yes	Yes	Yes
Authorization header missing or invalid token	401 Unauthorized	The operation was refused access. Re-authenticating may result in an appropriate token that may be used.	Yes	Yes	Yes
Token has incorrect scope or a security policy was violated.	403 Forbidden	The operation was refused access. Re-authenticating is unlikely to remediate the situation. It is expected that this error will result in an error payload	Yes	Yes	Yes
The resource matching the request URI is not known or is unable to be processed due to business logic specific to the resource being requested	404 Not Found	No indication is given of whether the condition is temporary or permanent. This response code MUST NOT be used for resources presented in the body of the request.	Yes	Yes	Yes
The consumer tried to access the resource with a method that is not supported.	405 Method Not Allowed		Yes	Yes	Yes
The request contained an Accept header other than permitted media types, a character set other than UTF-8 or a version that was not supported	406 Not Acceptable		Yes	Yes	Yes
The operation was refused because the payload is in a format not supported by this method on the target resource.	415 Unsupported Media Type		Yes	No	No
The request was well formed but was unable to be processed due to business logic specific to the request	422 Unprocessable Entity	If applicable to the HTTP method it is expected that this error will result in an error payload	Yes	Yes	No
The operation was refused as too many requests have been made within a certain timeframe.	429 Too Many Requests	Throttling is a NFR. The data holder should include a Retry-After header in the response indicating how long the data consumer must wait before retrying the operation.	Yes	Yes	Yes
Something went wrong on the API gateway or micro-service	500 Internal Server Error	The operation failed.	Yes	Yes	Yes
Service is currently unavailable	503 Service Unavailable		Yes	Yes	Yes
The server was unable to respond in a timely manner	504 Gateway Timeout	Returned if a timeout has occurred but a resend of the original request is viable (otherwise use 500 instead)	Yes	Yes	Yes

Payload Conventions

This section of the standard outlines the request and response payload structures for all API end points as well as the naming conventions for fields.

Request Payload Structure

A sample request would be structured as follows:

{
  “data”: {
    ...
  },
  “meta”: {
    ...
  }
}

Each API request payload MUST have a JSON object at the root level known as the root object. This object MUST contain a data object to hold the primary data for the request.

The root object will contain a meta object if, and only if, it is specifically REQUIRED by the end point. The meta object is used to provide additional information such as second factor authorisation data, traffic management, pagination counts or other purposes that are complementary to the workings of the API.

The definition of the contents for the data object and meta object will be defined separately for each end point.

Response Payload Structure

A sample successful response:

{
  “data”: {
    ...
  },
  “links”: {
    “self”: “...”
  },
  “meta”: {
    ...
  }
}

A sample unsuccessful response:

{
  “errors”: [
    {
      “code”: “...”,
      “title”: “...”,
      “detail”: “...”
    }, {
      “code”: “...”,
      “title”: “...”,
      “detail”: “...”,
      “meta”: {
        ...
      }
    }
  ]
}

Each API response payload MUST have a JSON object at the root level known as the root object.

The contents of the root object are as follows:

• If the response is successful (200 OK) the root object:
  • MUST contain a data object
  • MUST contain a links object
  • MAY contain a meta object if REQUIRED by the definition of the specific end point
• If the response is unsuccessful (not 200 OK) the root object:
  • MAY contain an errors object (as per the specific end point definition)

The definition of the contents for the data object and meta object will be defined separately for each end point.

The links object will contain links to related API end points. This will include links to support pagination.

The links object MUST contain a field named self that will have the fully qualified URI to the current request as a value.

The errors object is defined in the Error Codes section.

Field Naming Conventions

Valid Characters In Field Names

All field names defined in either a request or response payload MUST be treated as case sensitive by clients and servers, and they MUST meet all of the following conditions:

• Member names MUST contain at least one character.
• Member names MUST contain only the allowed characters listed below:
  • U+0061 to U+007A, a-z
  • U+0041 to U+005A, A-Z
  • U+0030 to U+0039, 0-9
• Additionally, the following characters are allowed in field names, except as the first or last character:
  • U+002D HYPHEN-MINUS, '-'
  • U+005F LOW LINE, '_'
  • U+0024 DOLLAR SIGN, '$'

Any other character MUST NOT be used in field names.

Field Naming Style

Field names MUST be meaningful names with defined semantics.

Fields representing the same data in different payloads or different parts of a payload MUST have the same name.

Array types SHOULD have plural field names. All other field names SHOULD be singular.

Field names MUST be defined using camel case with the following clarifications:

• If a field name is a single acronym it SHOULD be lowercase
• If a field name contains an acronym along with other words it MAY be uppercase
• The first character in a field name SHOULD be lower case unless it is part of an acronym

Fields MUST NOT be named using reserved javascript tokens.

Maps

For JSON maps (i.e. key/value pairs) any Unicode character MAY be used as a field name and stylistic requirements do not apply.

Field Property Conventions

Field Data Types

Each field defined for the payloads of an end point MUST have an assigned data type.

The list of valid data types are set out in the common field types section. If a custom data type is required for a field then the field SHOULD be classified as a string with a clear description of how the property value is to be interpreted or defined.

Mandatory/Optional Fields

Each field defined for the payloads of an end point MUST have an assigned status of mandatory, optional or conditional.

Mandatory fields MUST be present and have a non-null value in a request or response payload for the payload to be considered valid.

Optional fields MAY be present but this is not guaranteed. It is also valid for these fields to be present but have a null value. Note that optional fields indicate that data may sometimes not be held by a Data Holder and this is an expected scenario.

Conditional fields MUST have an associated conditional statement. If the conditional statement is true in a specific request or response the field is considered mandatory. If the conditional statement is false then the field is considered optional.

Empty/Null Fields

An empty field (ie. a field that is not present in a payload) will be considered equivalent with a field that is present with a null value.

An empty string (“”) is not considered to be equivalent to null.

A Boolean value of false is not considered to be equivalent to null. Optional Boolean fields, by implication, have three possible values: true, false and indeterminate (ie. null).

Object conventions

Sample union object structure:

“data”: {
    [
        {
            “shapeUType”: “circle”,
            “circle”: {
            }
        },
        {
            “shapeUType”: “square”,
            “square”: {
            }
        }
    ]
}

A specific convention will apply to union objects.

In the standards a union object is used in a situation where a set of data can be represented with different sets of fields depending on the context. To maintain strong typing of the fields one of a series of known object structures will be used. An example where this technique is used in the standard is in the definition of account balances where balance information can be represented differently, but unambiguously, for different account types.

For union objects an additional field, with a known suffix, is used to identify the object type that has been provided specifically.

As the name of this field is constant it can be used to perform an indirect lookup on the object type that has actually been provided removing the need to scan for which object is present.

A field of this type will always be specified with the suffix UType meaning Union Type.

Array Conventions

Samples for providing array values:

## Many-values:
"middleNames": ["Geoff", "John"],
"errors": [
    {
      "code": "...",
      "title": "...",
      "detail": "..."
    }, {
      "code": "...",
      "title": "...",
      "detail": "..."
    }
]

## Single-value:
"middleNames": ["Geoff"],
"errors": [
    {
      "code": "...",
      "title": "...",
      "detail": "..."
    }
]

## Empty array:
"middleNames": [ ],
"errors": [ ]

Unless otherwise stated within the data standards, arrays are explicitly expressed in response payloads.

Mandatory fields

In objects where an array field is defined as having 0..n values, the array field must be explicitly expressed as an array in the payload, even if it only contains one item or is empty.

This applies equally for object arrays. Where a field is defined as an array value, the response should be:

• an array of objects,
• an array of values, or
• an empty array ([]).

An empty array is the representation for an array equivalent to an empty string.

Optional fields

If the field is optional a null value or omission of the field in the response is accepted.

Normative references

The only exception to this, unless explicitly stated, is normative standards. The requirements for expressing arrays within those normative standards apply per the normative references.

Common Field Types

The following table outlines the common data types for fields used in the standard.

Type	Description	Valid Examples
String	Standard UTF-8 string but unrestricted in content. Any valid Unicode character can be used.
ASCIIString	Standard UTF-8 string but limited to the ASCII character set.
Boolean	Standard JSON boolean	true false
Enum	String representing an option from a defined list of values - All possible values MUST be provided - Values MUST be in all caps - Spaces MUST be replaced with under bars '_' - Values MUST be limited to the ASCII character set	“OPTION1” “ANOTHER_OPTION” “VAL_ABC_123”
NaturalNumber	A natural number (ie. a positive integer inclusive of zero)	0 1 10000
PositiveInteger	A positive integer (zero excluded)	1 10000
NegativeInteger	A negative integer inclusive of zero	0 -1 -10000
Integer	Any positive or negative integer inclusive of zero	1 0 -1
Number	A standard floating point number. Can be positive, negative or zero	0.1 -100.09 10 90.09
Base64	Base64 encoded string as per [RFC4648]	Q29uc3VtZXIgRGF0YSBSaWdodA==
DateTimeString	Combined Date and Time string as per [RFC3339] (labelled date-time in the RFC). As specified in [RFC3339] times MUST be offset relative to UTC	“2007-05-01T15:43:00.12345Z” “2012-12-25T15:43:00-08:00” “1997-01-12T15:43:00.121Z”
DateString	Date string as per [RFC3339] (labelled full-date in the RFC)	“2007-05-01” “2012-12-25”
TimeString	Time string as per [RFC3339] (labelled full-time in the RFC). As specified in [RFC3339] times MUST be offset relative to UTC	“15:43:00.12345Z” “15:43:00-12:00”
CurrencyString	Standard 3 character currency codes as per ISO-4217	“AUD” “USD” “GBP”
RateString	A string representing a percentage (e.g. an interest rate). A rate of 100% would be represented by the value 1.0 and a rate of -100% by -1.0 - At least 1 and up to a total of 16 significant digits before decimal point - Up to 16 digits following the decimal point - No formatting, eg thousand separating commas	“0.05” “-0.05” “12.3456789” “-99.123456789123”
AmountString	A string representing an amount of currency. - A positive, zero or negative number - Negative numbers identified with a ‘-‘ - Currency symbols MUST NOT be supplied - At least 1 and up to a total of 16 significant digits before decimal point - Minimum 2 digits following a decimal point (more digits allowable but only if required) - No additional formatting, eg thousand separating commas	“0.01” “10.00” “1234567.89” “-1001.23” “1.999”
MaskedPANString	Masked credit card number. Lower case ‘x’ MUST be used to mask numbers and only the last four digits MUST be exposed to facilitate identification. This type is expected to be used for display so the format MUST be logical for this context	"xxxx xxxx xxxx 1234"
MaskedAccountString	Masked bank account number genericised for a variety of account types. MUST be represented as the full account number would normally be represented for display (including formatting) but with all digits except the last four replaced with a lowercase x. This type is expected to be used for display so the format MUST be logical for this context	"xxxx xxxx xxxx 1234" "xxx-xxx xxxxx1234"
URIString	A valid URI	"http://www.google.com"
ExternalRef	The format is defined by an external reference such as ISO standard or an RFC	Swift bank codes using ISO 9362

Pagination

Each API end point that can return multiple records will stipulate whether pagination is supported for the end point or not. For end points that will return less than a reasonably sized page of results in the majority of circumstances support for paging may not be included.

Note that the use of paging for an end point does not require or preclude the use of filtering query parameters. It is expected that filtering and paging will be applied independently of each other.

Query Parameters

The consumer will stipulate pagination requirements on the request using query parameters. When paging is supported the consumer MAY provide the following query parameters:

• page – the page number being requested (with the first page being 1)
• page-size – the number of records to return in each page

If the query parameters are not provided the following defaults will be assumed:

• page – a default of 1 (the first page) will be assumed
• page-size – a default of 25 will be assumed

Response Fields

In addition to the data requested a holder MUST provide the following additional information in the response payload:

• In the links object the following fields are to be provided:
  • first - A URI to request the first page. Mandatory if this response is not the first page.
  • last - A URI to request the last page. Mandatory if this response is not the last page.
  • prev - A URI to the previous page. Mandatory if this response is not the first page.
  • next - A URI to the next page. Mandatory if this response is not the last page.
• In the meta object the following fields are to be provided:
  • totalRecords - The total number of records in the set. This field MUST be present.
  • totalPages - The total number of pages in the set. This field MUST be present. If totalRecords is 0 totalPages MUST be 0.

For each of these fields the page size specified in the request should be assumed when calculating values.

Additional Pagination Rules

• Holders are not expected to implement pagination with transaction isolation. The underlying data-set may change between two subsequent requests. This may result in situations where the same transaction is returned on more than one page.
• A maximum page size of 1000 records is assumed for all end points (unless otherwise stipulated in the end point definition). If a page size greater than this maximum is requested then an Invalid Page Size error SHOULD be returned.

Cursor Support

For performance reasons data holders may wish to support other pagination patterns such as cursors or continuation tokens. While the standard does not explicitly support these additional mechanisms it is considered allowable to implement these patterns and expose them via the pagination links.

In this scenario the URIs included in the links for other pages may not be compliant with the standard and may, instead, include other query parameters that support another pagination pattern. It is expected that all other pagination requirements such as link fields and meta fields will still be supported if other patterns are implemented.

To allow for a more performant implementation data consumers are encouraged to utilise pagination links wherever possible and only use constructed URIs for the first page or if random access to a specific set of records is required.

ID Permanence

Within these standards resource IDs are REQUIRED to comply with the following:

• An ID for a resource should only be specified in the API standard if an end point exists to obtain detail for that resource or to change the state of the resource.
• If an ID is specified in the standards for a resource then it is mandatory and MUST be supplied, by the data holder, in accordance with the standards.
• If an ID is specified the ID value MUST be entirely arbitrary and have no inherent meaning. For instance, an ID should not be a combination of other fields or a string that can be parsed to extract meaningful information.
• IDs SHOULD be unique but that uniqueness may be within a clearly bounded context. For example, a beneficiary ID may be unique but only in the context of a specific account. The bounds of uniqueness should be clearly described in the standards definition for the end point.
• IDs MUST be immutable across sessions and consents but MUST NOT be transferable across Data Recipient Software Products. For example, "Data Recipient Software Product "A" obtaining an account ID would get a different result from "Data Recipient Software Product B" obtaining the ID for the same account even if the same customer authorised the access. Under this constraint IDs cannot be usefully transferred between client organisations or data holders.
• IDs MUST NOT be transferable between different customers for the same Data Recipient Software Product. For example, a Data Recipient Software Product should obtain a different ID for a joint account if the ID was obtained independently using authorisations from both customers.
• In payloads the field name of “id” should NEVER be used. Each ID field should be meaningfully named so that wherever that ID is used across multiple end points it always refers to the same ID set. For instance, the IDs for accounts would be represented in JSON in a field named “accountId”.

Error Codes

These standards define a standard list of error codes that Data Recipient Software Products and Data Holders SHOULD or MUST conform to. Further,

• Data Recipient Software Products and Data Holders SHOULD use the standard error codes as defined
• Where a specific error code MUST be responded, this requirement is stated against the applicable error code or API endpoints
• Where a specific error code MAY be responded, this requirement is stated against the applicable error code or API endpoints
• Data Recipient Software Products and Data Holders MAY respond with application-specific error codes and in doing so, MUST respond with the MetaError » urn field populated with the standard CDR error code.

Error Response Structure

Non-Normative Example

{
  "errors": [
    {
      "code": "urn:au-cds:error:cds-banking:Authorisation/UnavailableBankingAccount",
      "title": "Unavailable Banking Account",
      "detail": "808b5b1d-0798-4bdf-a3c8-f9cce2904eb2"
    }
  ]
}

The errors object will be an array of zero or more unnamed objects. The fields in each of these objects will be as follows:

• code field MUST be present: holds an end point specific error code. This MAY be a standard CDR error code or an application-specific error code.
• title field MUST be present: holds a human readable label of the error that is constant per code
• detail field MUST be present: holds a human readable description of this specific error
• isSecondaryDataHolderError field MAY be present: an optional Boolean flag which indicates the error is propagated from a designated secondary data holder
• meta object MAY be present: holds additional end point specific data relevant to the error

If a Data Recipient Software Product or Data Holder responds with an application-specific error code, the standard CDR URN error code MUST be provided in the MetaError object.

URN Structure

When responding with a standard CDR error code, the URN structure is defined as follows:

urn-string = "urn:" NID ":" metatype ":" sub-type ":" error-category "/" error-code

NID            = "au-cds" string.
metatype       = "error" string.
sub-type       = cds-all / cds-register / cds-banking / cds-energy
cds-all      = "cds-all" string. An error code common to all API responses,
cds-register = "cds-register" string. Reserved for CDR Register issued error codes only,
cds-banking  = "cds-banking" string. An error code specific to the CDR banking APIs only,
cds-energy   = "cds-energy" string. An error code specific to the CDR energy APIs only.
error-category = string. The high-level category code for the error defined in the Consumer Data Standards
error-code     = string. The specific error encountered, defined in the Consumer Data Standards

Standard Error Codes

A list of standard error codes to help categorise an error response. The applicable HTTP response code is also given.

General Errors

Non-Normative Example

# A request to a Data Holder extension API is made where an application-specific error is returned
#
# Request
POST https://data.acme.com.au/cds-au/v1/banking/ACME-new-loan-application HTTP/1.1
Host: data.holder.com.au
Accept: application/json
x-ACME-v : 7

# Response
HTTP/1.1 400 Bad Request
Content-Type: application/json
{
  "errors": [
    {
      "code": "ACME-APPLY-017",
      "title": "Application Is Missing Product ID",
      "detail": "A new loan application was requested but the product ID was not provided",
      "meta": {
         "urn": "urn:au-cds:error:cds-all:GeneralError/Expected"
      }
    }
  ]
}

Error Title	Error Code	HTTP Status Category	Description
Expected Error Encountered	urn:au-cds:error:cds-all: GeneralError/Expected	4xx	An error code that can be used, when an expected error occurs that is otherwise not covered by a more specific error. The error detail SHOULD be populated with a meaningful error description, without revealing sensitive information. An application specific error code MAY be provided. The MetaError » urn MUST be populated with the standard CDR error code.
Unexpected Error Encountered	urn:au-cds:error:cds-all: GeneralError/Unexpected	5xx	An error code that can be used, when an unexpected error occurs. The error detail SHOULD be populated with a meaningful error description, without revealing sensitive information. An application specific error code MAY be provided. The MetaError » urn MUST be populated with the standard CDR error code.
Service Unavailable	urn:au-cds:error:cds-all: Service/Unavailable	503 (Service Unavailable)	A request is made but the API unavailable as due to an outage. The error detail MAY describe whether the outage is scheduled or unexpected and whether it is fully unavailable or partially unavailable.

400 Bad Request Errors

Non-Normative Example

# A request to Get Accounts is made however
# the value of is-owned is not a Boolean value
#
# Request
GET https://data.holder.com.au/cds-au/v1/banking/accounts?is-owned=2007-05-01 HTTP/1.1
Host: data.holder.com.au
Accept: application/json

# Response
HTTP/1.1 400 Bad Request
Content-Type: application/json
{
  "errors": [
    {
      "code": "urn:au-cds:error:cds-all:Field/Invalid",
      "title": "Invalid Field",
      "detail": "is-owned"
    }
  ]
}

Error Title	Error Code	Description
Missing Required Field	urn:au-cds:error:cds-all: Field/Missing	The request is missing a mandatory field required for the API. It MAY be a missing query parameter or missing field in the request payload. This error code can be used, where a more specific validation error is not applicable. The error detail SHOULD be the parameter name of the missing field. This error code MUST be supported for unauthenticated and authenticated APIs.
Missing Required Header	urn:au-cds:error:cds-all: Header/Missing	A required HTTP header has not been provided. The error detail SHOULD be the HTTP header name. This error code SHOULD be supported for unauthenticated and authenticated APIs.
Invalid Field	urn:au-cds:error:cds-all: Field/Invalid	Applies when the value of the URL parameter or request body parameter is an invalid type or the value violates the field's constraints as defined by the interface contract. For example, is-owned is a Boolean but a DateString value is provided. The error detail SHOULD be the parameter name of the invalid field. The error detail MAY include further details explaining the valid format. This error code MUST be supported for unauthenticated and authenticated APIs.
Invalid Header	urn:au-cds:error:cds-all: Header/Invalid	Applies when a HTTP Header is provided but the value provided is an invalid type or violates the field type constraints as defined in the Consumer Data Standards. The error detail SHOULD be the HTTP header name. The error detail MAY include further details explaining the valid format. This error code SHOULD be supported for unauthenticated and authenticated APIs.
Invalid Date	urn:au-cds:error:cds-all: Field/InvalidDateTime	An invalid date is provided. For example, a future date value is expected, but a date in past or current date is supplied. Applies to DateTimeString, DateString, and TimeString field types. The error detail SHOULD be the parameter name of the invalid date field. The error detail MAY include further details explaining the expected date value. This error code MUST be supported for unauthenticated and authenticated APIs.
Invalid Page Size	urn:au-cds:error:cds-all: Field/InvalidPageSize	The value provided in the page-size pagination field is greater than the maximum allowed by the Consumer Data Standards (page_size > 1000). This error code MUST be supported for unauthenticated and authenticated APIs.
Invalid Version	urn:au-cds:error:cds-all: Header/InvalidVersion	A request is made for a version that is not a PositiveInteger. For example: x-min-v, x-v or x-<HID>-v are not Integers (e.g. x-min-v=foo, x-v=bar, x-ACME-v=cheese) x-min-v, x-v or x-<HID>-v are not positive-value integers (they are an Integer but <= 0) This error code MUST be supported for unauthenticated and authenticated APIs. If the version header is a PositiveInteger but is not a version supported by the Data Holder, the Unsupported Version code applies.

403 (Forbidden) Errors

Error Title	Error Code	Description
ADR Status Is Not Active	urn:au-cds:error:cds-all: Authorisation/AdrStatusNotActive	The ADR or the ADR's software product is not "active". The error detail SHOULD contain the current status of the ADR software product.
Consent Is Revoked	urn:au-cds:error:cds-all: Authorisation/RevokedConsent	The consumer's consent is no longer authorised (for example revoked or expired) and the requested resource will not be provided. This error code SHOULD be supported for authenticated APIs.
Consent Is Invalid	urn:au-cds:error:cds-all: Authorisation/InvalidConsent	The authorised consumer's consent is not associated to the resource requested, is insufficient to execute the resource or is in a status that prevents the resource being executed. For example, if consent is awaiting authorisation of a secondary account holder. The error detail SHOULD be a description of the status of consent without revealing sensitive information. This error code SHOULD be supported for authenticated APIs.

404 (Not Found) Errors

Non-Normative Examples

# A request to a resource endpoint that does not exist
#
# Request
GET https://data.holder.com.au/cds-au/v1/banking/payments/294819e6-7ae0-4e20-900a-6a733fd97854/location HTTP/1.1
Host: data.holder.com.au
Accept: application/json

# Response
HTTP/1.1 404 Not Found
Content-Type: application/json
{
  "errors": [
    {
      "code": "urn:au-cds:error:cds-all:Resource/NotFound",
      "title": "Resource Not Found"
    }
  ]
}

# A request to a resource endpoint that exists in the data standards,
# but is not currently implemented
#
# Request
POST https://data.holder.com.au/cds-au/v1/admin/register/metadata HTTP/1.1
Host: data.holder.com.au
Accept: application/json

# Response
HTTP/1.1 404 Not Found
Content-Type: application/json
{
  "errors": [
    {
      "code": "urn:au-cds:error:cds-all:Resource/NotImplemented",
      "title": "Resource Not Implemented"
    }
  ]
}

#
# A request to a resource that is temporarily unavailable
#
# Request
GET https://data.holder.com.au/cds-au/v1/banking/accounts/b3f0c9d0/transactions/52e443ae13c5 HTTP/1.1
Host: data.holder.com.au
Accept: application/json

# Response
HTTP/1.1 404 Not Found
Content-Type: application/json
{
  "errors": [
    {
      "code": "urn:au-cds:error:cds-all:Resource/Unavailable",
      "title": "Unavailable Resource",
      "detail": "52e443ae13c5"
    }
  ]
}

#
# A request to a get a banking account that is invalid
#
# Request
GET https://data.holder.com.au/cds-au/v1/banking/accounts/invalid-id/ HTTP/1.1
Host: data.holder.com.au
Accept: application/json

# Response
HTTP/1.1 404 Not Found
Content-Type: application/json
{
  "errors": [
    {
      "code": "urn:au-cds:error:cds-banking:Authorisation/InvalidBankingAccount",
      "title": "Invalid Banking Account",
      "detail": "invalid-id"
    }
  ]
}

Error Title	Error Code	Description
Resource Not Implemented	urn:au-cds:error:cds-all: Resource/NotImplemented	The requested resource URL is a valid API endpoint defined by the Consumer Data Standards, but it is not implemented or not currently supported. This error code SHOULD be supported for unimplemented APIs.
Resource Not Found	urn:au-cds:error:cds-all: Resource/NotFound	The requested resource URL is not an API endpoint defined by the Consumer Data Standards and it is not a URL recognised by the Data Holder or Data Recipient Software Product.
Invalid Resource	urn:au-cds:error:cds-all: Resource/Invalid	The requested resource identifier is permanently unavailable. No subsequent request for the resource will be successful. Applies when the resource ID is provided in the URI. The error detail is the resource ID of the resource being requested. This error code MUST be supported for unauthenticated and authenticated APIs.
Unavailable Resource	urn:au-cds:error:cds-all: Resource/Unavailable	The requested resource identifier is temporarily unavailable. Subsequent requests for the resource may be successful. Applies when the resource ID is provided in the URI. The error detail is the resource ID of the resource being requested. This error code MUST be supported for unauthenticated and authenticated APIs.
Invalid Banking Account	urn:au-cds:error:cds-banking: Authorisation/InvalidBankingAccount	The requested bank account is permanently unavailable. No subsequent request for the account will be successful. Applies when the account ID is provided in the URI. The error detail is the account ID of the resource being requested. This error code MUST be supported for authenticated APIs.
Unavailable Banking Account	urn:au-cds:error:cds-banking: Authorisation/UnavailableBankingAccount	The requested bank account is temporarily unavailable. Subsequent requests for the account may be successful. Applies when the account ID is provided in the URI. The error detail is the account ID of the resource being requested. This error code MUST be supported for authenticated APIs.
Invalid Energy Account	urn:au-cds:error:cds-energy: Authorisation/InvalidEnergyAccount	The requested energy account is permanently unavailable. No subsequent request for the account will be successful. Applies when the account ID is provided in the URI. The error detail is the account ID of the resource being requested. This error code MUST be supported for authenticated APIs.
Unavailable Energy Account	urn:au-cds:error:cds-energy: Authorisation/UnavailableEnergyAccount	The requested energy account is temporarily unavailable. Subsequent requests for the account may be successful. Applies when the account ID is provided in the URI. The error detail is the account ID of the resource being requested. This error code MUST be supported for authenticated APIs.
Invalid Service Point	urn:au-cds:error:cds-energy: Authorisation/InvalidServicePoint	The requested service point is permanently unavailable. No subsequent request for the service point will be successful. Applies when the service point is provided in the URI. The error detail is the service point ID of the resource being requested. This error code MUST be supported for authenticated APIs.
Unavailable Service Point	urn:au-cds:error:cds-energy: Authorisation/UnavailableServicePoint	The requested service point is temporarily unavailable. Subsequent requests for the service point may be successful. Applies when the service point ID is provided in the URI. The error detail is the service point ID of the resource being requested. This error code MUST be supported for authenticated APIs.

406 (Not Acceptable) Errors

Error Title	Error Code	Description
Unsupported Version	urn:au-cds:error:cds-all: Header/UnsupportedVersion	A request is made for a version that is lower than the minimum version or greater than maximum version the Data Holder supports for the requested endpoint. The error detail MAY include the minimum and maximum versions the Data Holder supports. This error code MUST be supported for unauthenticated and authenticated APIs.

422 (Unprocessable Entity) Errors

Non-Normative Example

#
# A bulk request to a get a banking account that is unavailable
#
# Request
POST https://data.holder.com.au/cds-au/v1/banking/accounts/balances HTTP/1.1
Host: data.holder.com.au
Accept: application/json

{
  "data": {
    "accountIds": [
      "b3f0c9d0-457d-4578-b0cd-52e443ae13c5",
      "b1bccd84-d29a-4233-8e44-be01c74eb85b"
    ]
  },
  "meta": {}
}

# Response
HTTP/1.1 422 Unprocessable Entity
Content-Type: application/json
{
  "errors": [
    {
      "code": "urn:au-cds:error:cds-all:Authorisation/UnavailableBankingAccount",
      "title": "Unavailable Banking Account",
      "detail": "b3f0c9d0-457d-4578-b0cd-52e443ae13c5"
    }
  ]
}

Error Title	Error Code	Description
Invalid Resource	urn:au-cds:error:cds-all: Resource/Invalid	The requested resource identifier is permanently unavailable. No subsequent request for the resource will be successful. Applies when the resource ID is provided in the request body. The error detail is the resource ID of the resource being requested. This error code MUST be supported for authenticated APIs.
Unavailable Resource	urn:au-cds:error:cds-all: Resource/Unavailable	The requested resource identifier is temporarily unavailable. Subsequent requests for the resource may be successful. Applies when the resource ID is provided in the request body. The error detail is the resource ID of the resource being requested. This error code MUST be supported for authenticated APIs.
Invalid Banking Account	urn:au-cds:error:cds-banking: Authorisation/InvalidBankingAccount	The requested bank account is permanently unavailable. No subsequent request for the account will be successful. Applies when the account ID is provided in the request body. The error detail is the account ID of the resource being requested. This error code MUST be supported for authenticated APIs.
Unavailable Banking Account	urn:au-cds:error:cds-banking: Authorisation/UnavailableBankingAccount	The requested bank account is temporarily unavailable. Subsequent requests for the account may be successful. Applies when the account ID is provided in the request body. The error detail is the account ID of the resource being requested. This error code MUST be supported for authenticated APIs.
Invalid Service Point	urn:au-cds:error:cds-energy: Authorisation/InvalidServicePoint	The requested service point is permanently unavailable. No subsequent request for the service point will be successful. Applies when the service point is provided in the request body. The error detail is the service point ID of the resource being requested. This error code MUST be supported for authenticated APIs.
Unavailable Service Point	urn:au-cds:error:cds-energy: Authorisation/UnavailableServicePoint	The requested service point is temporarily unavailable. Subsequent requests for the service point may be successful. Applies when the service point ID is provided in the request body. The error detail is the service point ID of the resource being requested. This error code MUST be supported for authenticated APIs.
Invalid Energy Account	urn:au-cds:error:cds-energy: Authorisation/InvalidEnergyAccount	The requested energy account is permanently unavailable. No subsequent request for the account will be successful. Applies when the account ID is provided in the request body. The error detail is the account ID of the resource being requested. This error code MUST be supported for authenticated APIs.
Unavailable Energy Account	urn:au-cds:error:cds-energy: Authorisation/UnavailableEnergyAccount	The requested energy account is temporarily unavailable. Subsequent requests for the account may be successful. Applies when the account ID is provided in the request body. The error detail is the account ID of the resource being requested. This error code MUST be supported for authenticated APIs.
Invalid Consent Arrangement	urn:au-cds:error:cds-all: Authorisation/InvalidArrangement	The arrangement being executed has previously been revoked and no further action will be taken. The error detail is the CDR Arrangement ID of the being executed. This error code MUST be supported for the Data Recipient Software Product and Data Holder CDR Arrangement Revocation endpoint.
Invalid Page	urn:au-cds:error:cds-all: Field/InvalidPage	The page being requested it out of of range. For example, the valid pagination range is 5 pages and the client requested page=10). The error detail SHOULD be the maximum number of pages that are available. This error code MUST be supported for unauthenticated and authenticated APIs.

CDR Register Errors

The following error codes apply to responses from the CDR Register. Data Recipient Software Product and Data Holder clients requesting data from the CDR Register MAY expect the following standard CDR error codes to be encountered:

Error Title	Error Code	HTTP Status Category	Description
Invalid Brand	urn:au-cds:error:cds-register: Field/InvalidBrand	404 (Not Found)	The brand provided to get the Data Recipient Software Product software statement assertion is invalid. Applies to the dataRecipientBrandId path parameter for CDR Register APIs.
Invalid Industry	urn:au-cds:error:cds-register: Field/InvalidIndustry	404 (Not Found)	The industry requested in the path to get Data Recipient Software Product or Data Holder metadata is invalid / does not exist and cannot be found. Applies to the industry path parameter for CDR Register APIs.
Invalid Software Product	urn:au-cds:error:cds-register: Field/InvalidSoftwareProduct	404 (Not Found)	The software product requested to get the Data Recipient Software Product software statement assertion is invalid or cannot be found. Applies to the softwareProductId path parameter.

Processing Errors

When a server encounters multiple problems for a single request, the most generally applicable HTTP error code SHOULD be used in the response. For instance, 400 Bad Request might be appropriate for multiple 4xx errors or 500 Internal Server Error might be appropriate for multiple 5xx errors.

A server MAY choose to stop processing as soon as a problem is encountered, or it MAY continue processing and encounter multiple problems. For instance, a server might process multiple attributes and then return multiple validation problems in a single response.

Extensibility And Application Specific Errors

Error handling has been designed with extensibility in mind. Where an application supports error codes specific to that implementation, it is intended that implementations can extend the standard CDR error codes with application-specific error responses whilst maintaining interoperability for clients.

Non-Normative Example

# Application-specific error code extends a standard CDR error code with
# details specific to the Data Holder
{
  "errors": [
    {
      "code": "acme-bank:JointAccountElectionRemoved",
      "title": "Joint Account Consent Election Is Removed",
      "detail": "Description of the specific error encountered",
      "meta": {
        "urn": "urn:au-cds:error:cds-banking:Authorisation/UnavailableBankingAccount"
      }
    }
  ]
}

To assist clients, the Data Recipient Software Product or Data Holder MUST provide the application-specific error code in the ResponseErrorListV2 » code and the standard CDR error code in the ResponseErrorListV2 » MetaError » urn field denoting the standard error code the implementation extends.

Transition arrangements

Non-Normative Examples

# Application-specific error code before transition

{ "errors": [
  {
    "code": "old error code",
    "title": "error message",
    "detail": "Description of the specific error encountered"
  }
] }

# Application-specific error code during transition

{ "errors": [
  {
    "code": "old error code",
    "title": "error message",
    "detail": "Description of the specific error encountered",
    "meta": {
      "urn": "urn:au-cds:error:cdr-all:Header/UnsupportedVersion"
    }
  }
] }

# Standardised-error code after retirement of application-specific error code

{ "errors": [
  {
    "code": "urn:au-cds:error:cdr-all:Header/UnsupportedVersion",
    "title": "Unsupported Version",
    "detail": "'x-v' **MUST** be greater than or equal to '2'"
  }
] }

If Data Recipient Software Products or Data Holders support custom error codes prior to February 1st 2022, the following transition arrangements apply:

• Effective as soon as standardised error codes are supported by the Data Recipient Software Product or Data Holder:

  • If the Data Recipient Software Product or Data Holder supports application-specific error codes they MUST publish a mapping of those codes to the standard CDR error codes in a developer friendly way that is discoverable and freely available.
  • Data Recipient Software Products and Data Holders MAY publish this mapping any time prior to February 1st 2022.

• Effective from February 1st 2022: Data Holders and Data Recipient Software Products MUST support standardised error codes by this date and continue to support any custom error codes.

  • Standardised error codes MUST be provided in the ResponseErrorListV2 » MetaError » urn field
  • If applicable, application specific error codes MUST be provided in the ResponseErrorListV2 » code
  • Data Recipient Software Products and Data Holders MAY phase their transition to support standardised error codes such as by endpoint or per error code if preferred prior to this date.

• Effective from November 1st 2022: Data Holders and Data Recipient Software Products MAY deprecate any custom error codes

  • Standardised error codes MAY be provided in the ResponseErrorListV2 » code field if no application-specific error code applies
  • Application-specific error codes MAY be provided in the ResponseErrorListV2 » code

Extensibility

The Consumer Data Right standards will not cover all possible data sets or APIs that participants may wish to expose. Participants may also wish to innovate on top of the API standards by offering additional data to meet specific market opportunities. It is desirable that the standards not only allow for this to occur but actively encourage it with specific additions to the standards to enable such extension.

At the same time, it is important that a participant seeking to provide extensions does not hinder a data consumer that is only built for the published standards.

To accommodate these concerns the standards incorporate the following considerations specifically related to extension by data holders.

The three types of extension that the standards address are:

1. Data holder offering entirely new API categories that are not covered by the API Standards
2. Data holder offering additional end points to an API category that is already covered by the standards
3. Data holder offering additional fields to the response payloads for an end point defined in the standards

Holder Identifier

For example, the prefixes for the four major Banks included in the first phases of implementation would be:

• CBA – Commonwealth Bank
• WBC – Westpac Banking Corporation
• ANZ – ANZ Banking Group
• NAB – National Australia Bank

Data holders seeking to extend the standards MUST nominate a prefix to identify all extensions. Extended fields and end points and would use this prefix consistently. This prefix would be, by preference, the ASX symbol for the holder. Care should be taken not to use a prefix already adopted by another holder in the regime.

In these standards, where a Holder Identifier would be included, the term <HID> will be used.

New API Categories

When extending by adding new API categories a holder MUST add these to the overall URI structure by substituting the industry element with the Holder (Provider) ID.

For instance, the standard URI base path is structured as:
https:// <holder-path> / cds-au / <version> / <industry> / <resource>

For the extension API categories for a specific holder they would be structured as:
https:// <holder-path> / cds-au / <version> / <HID> / <resource>

The end points defined under this structure, including the payloads of these end points do not need to be prefixed in any way. The fact that they are underneath the holder section implies that they are additional to the standard.

Note that:

• This mechanism MUST NOT be used to create modified duplicates of the end points defined in the API Standards
• The end points in this area MUST comply with the standard's conventions and principles including naming conventions and data types.

New End Points In Existing API Categories

When creating new end points that are in parallel to existing API categories in the standard the Holder Identifier MUST be used to prefix the highest URI element where divergence occurs.

For example, assume an existing balance end point is defined as follows:
<base-path>/accounts/{account ID}/transactions

and the holder wishes to add an end point that summarises balance movement for a specific time period then they may define the end point as:
<base-path>/account/{account ID}/<HID>-balance-movement

Note that:

• The prefix is defined as the Holder Identifier followed by a hyphen.
• As the entire end point is new, the request and payload fields do not need to be prefixed in any way.
• Care should be taken to ensure there is no collision with an end point defined in the standards by specifying an extension at the same level as a variable URI element (such as at the same level of the {account ID} in the example above).
• If an end point has multiple levels in the resource path only the highest point where divergence with the standard occurs needs to be prefixed.
• The new end point MUST comply with standard's conventions and principles including naming conventions and data types.

Additional Fields In An Existing Response Payload

When adding a new field in an existing payload the field can be added to the JSON by prefixing the string <HID>-.

If an object is being added as an extension only the highest level object name needs to be prefixed. Any fields inside the extended object can be named normally.

Note that:

• Existing fields MUST NOT be modified in any way. This includes adding new enumeration values to enum type fields.
• A mandatory field MUST NOT be made optional as the result of an extension.
• Request payloads can also be extended but the resulting end point should still execute successfully if the extension field is not present (by implication, extension fields in request payloads MUST be optional).
• New query parameters MAY be added along the same lines as a new field in a request payload (i.e. prefixed, non-mandatory and no side effects if not present).
• New headers MAY be added along the same lines as a new field in a request payload with the exception that the new header should be prefixed x-<HID>-.
• New fields MUST comply with the naming conventions and data type standards used.

Additional Query Parameters

When adding support for a new query parameter to an existing end point that a data consumer is expected to supply, the new parameter should be prefixed by the string <HID>- to avoid potential collision with extension by another data holder.

Extension Versioning

As described previously in the versioning section the standard provides for multiple versions of each API end point. This implies the need for extensions to also be versioned.

An optional header x-<HID>-v will be supported for all end points that can be used by the data consumer to request a specific version of extension fields to include in the response. See the section on HTTP Headers for more information on the use of this header.

Consumer Experience

The Consumer Experience (CX) Standards contain requirements for the creation of implementations by both Data Recipients and Data Holders. The full list of CX Standards can be found below.

The CX Guidelines provide examples and recommendations for how to implement key rules and standards that relate to the consumer experience. They can be found along with additional CX commentary at:

• CX Guidelines

Data Language Standards: Common

Example of data language standards presented in a consumer-facing interaction, where [1] refers to Data cluster language, and [2] refers to Data permission language.

In accordance with CDR Rule 8.11 (1)(d), a data standard must be made to provide descriptions of the types of data to be used by CDR participants in making and responding to requests. Adherence to this language will help ensure there is a consistent interpretation and description of the consumer data that will be shared across different CDR implementations.

Area	CX Standard
Data Language Standards: Language to be used	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: Detailed scope requests	If a scenario requires it, Data Holders and Data Recipients MUST merge and amend Basic and Detailed data cluster and permission language to show that Detailed scopes include Basic data. Data Holders and Data Recipients MUST use the alternative language denoted with an '‡' for the relevant scope(s). See the Banking Language section for banking data and the Energy Language section for energy data. Example: A Data Recipient presents the Detailed data cluster in a data request to a consumer, but does not present the Basic data cluster. The Detailed scope includes Basic data, but this is not apparent to the consumer based on the data cluster language and permissions used for the Detailed scope.

Customer Language: Common

See below for the customer data language standards, which are common across all sectors.

Individual Consumer

Data cluster language	Permission language	Authorisation Scopes
Name and occupation	Name Occupation	common:customer.basic:read
Contact Details	Phone; Email address; Mail address; Residential address;	common:customer.detail:read
Name, occupation, contact details ‡	Name; Occupation; Phone; Email address; Mail address; Residential address;	common:customer.detail:read

Business consumer

Data cluster language	Permission language	Authorisation Scopes
Organisation profile *	Agent name and role; Organisation name; Organisation numbers (ABN or ACN);† Charity status; Establishment date; Industry; Organisation type Country of registration;	common:customer.basic:read
Organisation contact details *	Organisation address; Mail address; Phone number;	common:customer.detail:read
Organisation profile and contact details *‡	Agent name and role; Organisation name; Organisation numbers (ABN or ACN),† Charity status; Establishment date; Industry; Organisation type; Country of registration; Organisation address; Mail address; Phone number;	common:customer.detail:read

Profile Scope and Standard Claims: Common

In accordance with [OIDC] section 5.4 and section 5.5, this language refers to the [OIDC] profile scope and request of individual claims for the authenticated End-User.

Data cluster language	Permission language	Authorisation Scopes	Required
Name	Full name and title(s)	OIDC Profile scope or one or more of these standard [OIDC] claims*: name given_name family_name updated_at *See 5.4. Requesting Claims using Scope Values on the OIDC website for more information.	Required
Contact Details	Phone number; Email address; Mail address;	One or more of these standard [OIDC] claims*: email email_verified phone_number phone_number_verified address *See 5.4. Requesting Claims using Scope Values on the OIDC website for more information.	Optional

Note: For non-individual consumers, claims available via the profile scope will only return the details of the authenticated End-User and not the organisation or non-individual consumer.

Banking Language

Banking Accounts

See below for the data language standards for the banking account scopes:

Data cluster language	Permission language	Authorisation Scopes
Account name, type and balance	Name of account; Type of account; Account balance;	bank:accounts.basic:read
Account numbers and features	Account number; Interest rates; Fees; Discounts; Account terms; Account mail address;	bank:accounts.detail:read
Account balance and details‡	Name of account; Type of account; Account balance; Account number; Interest rates; Fees; Discounts; Account terms; Account mail address;	bank:accounts.detail:read

Transactions

See below for the data language standards for the banking transactions scope:

Data cluster language	Permission language	Authorisation Scopes
Transaction details	Incoming and outgoing transactions; Amounts; Dates; Descriptions of transactions; Who you have sent money to and received money from; (e.g. their name)†	bank:transactions:read

Regular Payments

See below for the data language standards for the regular payments scope:

Data cluster language	Permission language	Authorisation Scopes
Direct debits and scheduled payments	Direct debits; Scheduled payments;	bank:regular_payments:read

Payees

See below for the data language standards for the payees scope:

Data cluster language	Permission language	Authorisation Scopes
Saved payees	Names and details of accounts you have saved; (e.g. their BSB and Account Number, BPAY CRN and Biller code, or NPP PayID)†	bank:payees:read

Energy Language

Energy Accounts

See below for the data language standards for the energy accounts scopes:

Data cluster language	Permission language	Authorisation Scopes
Accounts and plans	Account and plan information;	energy:accounts.basic:read
Account and plan details	Account type; Fees, features, rates, and discounts; Additional account users;	energy:accounts.detail:read
Account and plan details ‡	Account and plan information; Account type; Fees, features, rates, and discounts; Additional account users;	energy:accounts.detail:read

Concessions

See below for the data language standards for the concession scope:

Data cluster language	Permission language	Authorisation Scopes
Concessions and assistance	Concession type; Concession information;	energy:accounts.concessions:read

Payments

See below for the data language standards for the payments schedule scope:

Data cluster language	Permission language	Authorisation Scopes
Payment preferences	Payment and billing frequency; Any scheduled payment details;	energy:accounts.paymentschedule:read

Billing

See below for the data language standards for the billing scope:

Data cluster language	Permission language	Authorisation Scopes
Billing payments and history	Account balance; Payment method; Payment status; Charges, discounts, credits; Billing date; Usage for billing period; Payment date; Invoice number;	energy:billing:read

NMI Standing Data

See below for the data language standards for the NMI standing data scopes:

Data cluster language	Permission language	Authorisation Scopes
Electricity connection	National Meter Identifier (NMI); Customer type; Connection point details;	energy:electricity.servicepoints.basic:read
Electricity meter	Supply address; Meter details; Associated service providers;	energy:electricity.servicepoints.detail:read
Electricity connection and meter ‡	National Meter Identifier (NMI); Supply address; Customer type; Connection point details; Meter details; Associated service providers;	energy:electricity.servicepoints.detail:read

Distributed Energy Resources (DER)

See below for the data language standards for the Distributed Energy Resources (DER) scope:

Data cluster language	Permission language	Authorisation Scopes
Energy generation and storage	Generation information; Generation or storage device type; Device characteristics; Devices that can operate without the grid; Energy conversion information;	energy:electricity.der:read

Electricity Usage

See below for the data language standards for the electricity usage scope:

Data cluster language	Permission language	Authorisation Scopes
Electricity usage	Usage; Meter details;	energy:electricity.usage:read

Accessibility Standards

Area	CX Standard
Accessibility	At a minimum, all CDR participants MUST seek to comply with the following accessibility guidelines throughout the Consent Model. These standards SHOULD be assessed, tested, and refined further by accessibility consultants directly involved in implementation.
Accessibility Content distinction	Data Recipients and Data Holders MUST seek to have all aspects of the Consent Model comply with WCAG 1.4. This will make it easier to see and hear content, including separate foreground information from the background.
Accessibility Keyboard functionality	Data Recipients and Data Holders MUST seek to have all aspects of the Consent Model comply with WCAG 2.1. This will make all functionality available from a keyboard.
Accessibility Pointer interactions	Data Recipients and Data Holders MUST seek to have all aspects of the Consent Model comply with WCAG 2.5. This will make it easier to operate functionality using various input devices
Accessibility Reading experiences	Data Recipients and Data Holders MUST seek to have all aspects of the Consent Model comply with WCAG 3.1. This will make text content readable and understandable
Accessibility Input assistance	Data Recipients and Data Holders MUST seek to have all aspects of the Consent Model comply with WCAG 3.3. This will help users avoid and correct mistakes.

Consent Standards

Area	CX Standard
Consent: Redirection	Data recipients MUST notify consumers of redirection prior to authentication.
Disclosure consent: Collection source	In the course of seeking a consumer’s consent to disclose data as part of a disclosure consent: Data Recipients MUST specify which CDR Participant(s) they collected the associated CDR data from 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
Disclosure Consent: Descriptions of Data to be Collected and Disclosed	If: An accredited person is seeking a collection consent to collect CDR data from a particular accredited data recipient; or 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.

Disclosure Consent: Insight Descriptions

The standards in this section outline insight description requirements that apply where an insight disclosure consent is being sought and may also feature in CDR Receipts and Dashboards. These standards do not alter any existing rules obligations for CDR receipts or dashboards.

Note: The use of the term ‘data recipients’ to refer to accredited data recipients is consistent with the data standards nomenclature. Where these standards refer to ‘data recipient’, this should not be taken to mean a non-accredited person or trusted adviser.

Area	CX Standard
Insight disclosure: Insight comprehension	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.
Insight disclosure: Insight timing	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.
Insight disclosure: Purpose of insight	Data recipients SHOULD explain the purpose of generating the insight.
Insight disclosure: Insight generation	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)

Disclosure Consent: Non-Accredited Person Disclosure Notification

The standards in this section outline requirements that apply when a disclosure consent is being sought to disclose data to a non-accredited person, which includes insight disclosure consents and trusted adviser disclosure consents.

These standards will feature where such a disclosure consent is being sought and may, as stated in any accompanying notes, also feature in CDR Receipts and Dashboards.

Note: The use of the term ‘data recipients’ to refer to accredited data recipients is consistent with the data standards nomenclature. Where these standards refer to ‘data recipient’, this should not be taken to mean a non-accredited person or trusted adviser.

Area	CX Standard
Disclosure consent: CDR protections	Data recipients MUST state that data disclosed to a non-accredited person will not be regulated as part of the Consumer Data Right. 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.
Disclosure consent: Review	Data recipients MUST advise the consumer to review how the non-accredited person will handle their data.
Disclosure consent: Data handling	If available, data recipients MAY include a link to any relevant data handling policies of the non-accredited person, such as their Privacy Policy.
Disclosure consent: Complaints	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.
Disclosure consent: Insight records	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).
Disclosure consent: Notification record	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.

Authentication Standards

Area	CX Standard
Authentication: 'One Time Password' (OTP)	Data Holders and Data Recipients MUST clearly refer to a "One Time Password" in consumer-facing interactions and communications. The use of the term "One Time Password" MAY be presented alongside an existing term used by a data holder (e.g. Netcode, one time pin etc.).
Authentication: Passwords	Data Holders and Data Recipients MUST state in consumer-facing interactions and communications that services utilising the CDR do not need access to consumer passwords for the purposes of sharing data. The exact phrasing of this is at the discretion of the Data Holder and Data Recipient.
Authentication: Password link	Data Holders MUST NOT include forgotten details links in redirect screens. The inclusion of such links is considered to increase the likelihood of phishing attacks.
Authentication: OTP expiry	Data Holders MUST communicate the expiry period of the OTP to the consumer in the authentication flow.

Authorisation Standards

Area	CX Standard
Authorisation: Account selection	Data holders MUST allow the consumer to select which of their accounts to share data from if the data request includes account-specific data and if there are multiple accounts available. The Data holder MAY omit this step if none of the data being requested is specific to an account (e.g. Saved Payees).
Authorisation: Profile selection	Data holders MAY add a 'profile selection' step or equivalent prior to the account selection step if a single identifier provides access to different customer accounts. For example, one customer ID may give access to business customer and individual customer accounts. The 'profile selection' step SHOULD only be considered if it is an existing customer experience, and SHOULD be as minimal as possible to avoid introducing unwarranted friction (having regard to CDR Rule 4.24).
Authorisation: Account confirm	Data holders MUST show which accounts the data is being shared from prior to confirming authorisation if the data request includes account-specific data. The data holder MAY omit this information if none of the data being requested is specific to an account (e.g. Saved Payees).
Authorisation: Pending status	Where an account requires further actions or approvals before data can be disclosed, data holders MUST indicate this to the user visually and MUST provide an explanation of what is required or expected. This MAY, for example, be achieved with a visual icon to indicate that the account is 'pending'. This indication MUST be accompanied by an in-context explanation to describe what the status means. This explanation SHOULD include any required actions and any specified time frames.
Unavailable Accounts: Displaying accounts	If certain accounts are unavailable to share, data holders SHOULD show these unavailable accounts in the account-selection step. Data holders SHOULD communicate why these accounts cannot be selected, and this SHOULD be communicated as in-line help or as a modal to reduce on-screen content. Data holders MAY provide instructions on how to make these accounts available to share, and this SHOULD be communicated as in-line help or as a modal to reduce on-screen content. Note: Unavailable accounts are to be interpreted in accordance with the rules on eligible consumers and required consumer data.
Unavailable Accounts: No accounts can be shown	If unavailable accounts cannot be shown in the account selection step, data holders MAY display a generic explanation and instructions.
Unavailable Accounts: Authorisation not permitted	If a successfully authenticated user cannot proceed to establish an authorisation in accordance with the rules on eligible consumers and required consumer data, data holders MAY provide the option of concluding the authorisation process.
Unavailable Accounts: Request sharing rights	If a user does not have sharing rights for a particular account or set of accounts, data holders MAY invite the user to request sharing rights from the authorisation flow. The presentation of this mechanism MUST NOT introduce unwarranted friction as defined in rule 4.24 on restrictions.

Amending Authorisation Standards

Area	CX Standard
Authorisation: Amending consent	The following standards apply when a Data Holder invites a CDR consumer to amend a current authorisation as per rule 4.22A and the ADR has supplied a cdr_arrangement_id:
Customer Profile	Where customer profile selection applies, Data Holders SHOULD omit the profile selection step and assume the customer profile associated with the existing authorisation. Data Holders MAY indicate which profile the authorisation relates to during the authorisation process.
Account Selection	Where account selection applies, Data Holders MUST pre-select accounts that were associated with the previous authorisation provided these accounts remain eligible and available to share. Data Holders MAY allow these accounts to be amended, and MAY provide information regarding the pre-selection of accounts.
Changing Attributes	Data Holders MUST indicate where a dataset is being added to an authorisation or a disclosure duration is being amended. Data Holders MAY apply this standard to other changing attributes, but this MUST ONLY apply where the attribute in the new authorisation differs to that of the previous authorisation. How a changed attributed is signified is at the Data Holder’s discretion.

Refer also to Future Dated obligations

Notification Standards

The standards in this section apply where a relevant joint account holder is about to take an action that may or, where a data holder leverages rule 4A.15 and allows a vulnerable joint account holder to share joint account data as if it were from an individual account, may not result in the other joint account holder(s) being notified.

Notifications: Joint Account Alerts

Area	CX Standard
Joint account notifications: Contextual alert	Data holders MUST alert a joint account holder where an action they are about to perform may result in the other joint account holder(s) being notified. This standard applies to the authorisation flow, consumer dashboards, and the disclosure option management service where notifications to the other joint account holder(s) may be triggered. The precise wording of this notification is at the discretion of the data holder.
Joint account notifications: Rule 4A.15 exemptions	Where rule 4A.15 is leveraged to allow a vulnerable requester to share their joint account data as if it were an individual account, the data holder MUST alert the requester, in the context of the authorisation flow, that the other joint account holder(s) will not be notified. This alert SHOULD be applied where appropriate for joint account management in general, including the consumer dashboard and the Disclosure Option Management Service (DOMS).
Joint account notifications: Further information	In relation to the joint account alert standards in this section, data holders MAY provide further information about any services or processes in place for supporting vulnerable consumers or reporting risks of physical, psychological, or financial harm or abuse to the data holder.

Alternative Notification Schedules for Joint Accounts

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):

1. The requester has given, amended, or withdrawn an authorisation
2. Expiration of an authorisation
3. A relevant account holder hasn't given approval within the relevant time frame
4. A relevant account holder has withdrawn an approval

The standards in this section provide a non-exhaustive list of options that data holders may implement to support their compliance with these rules. The specific implementation of an alternative notification schedule and offering, which may or may not include options listed here, are at the data holder's discretion. It is the data holder's responsibility to ensure it is meeting its obligations under the CDR Rules. Compliance with the CDR Rules on alternative notification schedules would require, at a minimum, implementation of a combination of options (being a combination of options listed below, other measures, or both).

Area	CX Standard
Joint account notifications: Reduced frequency	Data holders MAY offer consumers the ability to receive their joint account notifications less frequently and as a periodic summary. This MAY, for example, outline all joint account activity at a frequency determined by the data holder and consumer, such as the previous quarter, month, fortnight, and so on. This MAY also, for example, be provided with or in relation to other CDR notifications such as a CDR Receipt, which is optional for data holders.
Joint account notifications: Granular control	Data holders MAY offer consumers the ability to specify which joint account notifications they do and do not want to receive. This MAY, for example, allow a relevant joint account holder to only receive notifications when the requester gives or amends an authorisation.
Joint account notifications: Turn off notifications	Data holders MAY allow consumers to elect to no longer receive any joint account notifications.
Joint account notifications: Consequences of amendment	Data holders MAY inform the consumer of the consequences of amending their joint account notification schedule. This notification MAY include instructions for how to amend this schedule or reverse the amendment.
Joint account notifications: Contextual amendment	Data holders MAY provide a mechanism or entry point for a notification schedule to be amended from or in relation to the notification itself. This MAY, for example, allow a consumer to stop receiving the type of notification(s) from the notification itself. The notification MAY also, for example, include a link to amend the notification schedule or instructions to direct the consumer to the appropriate place.
Joint account notifications: Amendment channels	Data holders MAY allow a consumer to amend their notification schedule in line with existing notification management channels and experiences. This MAY, for example, allow the joint account notification schedule to be amended in the same location as other notifications.
Joint account notifications: Notification content	For the content of the approval notification, data holders MAY provide the consumer with instructions for how any relevant authorisation(s) or approval(s) can be reviewed.

Withdrawal Standards

Area	CX Standard
Withdrawing consent	If a Data Recipient does not have a general policy to delete redundant data, and the consumer has not already requested that their redundant data be deleted: Data Recipients MUST allow consumers to elect to have their redundant data deleted as part of the withdrawal process prior to the final withdrawal step. Data Recipients SHOULD consider prompting consumers to exercise this right at appropriate times (e.g. when inaction on the part of the consumer may cause them to lose the opportunity to exercise the right to delete their redundant data).
Withdrawing authorisation: Consequences	As part of the withdrawal process, the data holder MUST advise the consumer to review the consequences of withdrawal with the Data Recipient before they stop sharing their data. The data holder MAY consider using or paraphrasing the following message(s): 'You should check with [Data Recipient] before you stop sharing to understand the consequences.' 'You should check with [Data Recipient] to see if your service will be impacted before you stop sharing.'
Withdrawing authorisation: Redundant data	As part of the withdrawal process, the data holder MUST inform the consumer about the handling of redundant data and the right to delete. The Data Holder MAY consider using or paraphrasing the following message(s): 'CDR data is either deleted or de-identified when it is no longer required.' '[Data Recipient] will have specific policies on how to handle your data once it's no longer required.'
Withdrawal: Disclosure consent	As part of the disclosure consent withdrawal process, Data Recipients MUST advise the consumer to review, with the recipient that the data was disclosed to: How their data will be handled; and The consequences of withdrawing the disclosure consent Note: The precise wording of the withdrawal message is at the discretion of the ADR
Withdrawal: Secondary User Instruction	As part of the secondary user instruction withdrawal process, data holders MUST advise the consumer: That removing a secondary user instruction will stop all current and future data sharing for the secondary user(s) To review the consequences of withdrawal with the secondary user(s) before removing the secondary user instruction Note: The exact phrasing of this message is at the discretion of the data holder.
Withdrawal: Joint accounts	As part of the process of removing a joint account approval or changing to a more restrictive disclosure option, the data holder MUST advise the consumer: that doing this may impact existing services, including arrangements initiated by the other account holder(s) when removing an approval: that even though sharing for this service has now stopped, the other account holder(s) can still create new data sharing arrangements for the joint account how to change their disclosure option Note: The exact phrasing of the withdrawal message is at the discretion of the data holder. This standard does not affect data holders’ other notification obligations, including under rule 4A.7(3).

Security Profile

**v1.21.0 Change**
Where “OIDC Authorization Code Flow” is referenced, change to be “Authorization Code Flow”.

Overview

Until September 16th 2022

This information security profile builds upon the foundations of the Financial-grade API Read Write Profile [FAPI-RW-Draft] and other standards relating to Open ID Connect 1.0 [OIDC].

From September 16th 2022

This information security profile builds upon the foundations of the Financial-grade API Advanced Profile [FAPI-1.0-Advanced] and other standards relating to Open ID Connect 1.0 [OIDC].

For information on the specific normative references that underpin this profile refer to the Normative References section.

Symbols and Abbreviated terms

• API: Application Programming Interface
• CA: Certificate Authority
• CDR: Consumer Data Right
• CDR-SP: Consumer Data Right Security Profile
• CL: Credential Level
• DH: Data Holder
• DR: Data Recipient
• DRSP: Data Recipient Software Product
• DTA: Digital Transformation Agency
• FAPI: Financial-grade API
• FQDN: Fully Qualified Domain Name
• HoK: Holder of Key
• JSON: The JavaScript Object Notation
• JARM: JWT Secured Authorization Response Mode
• JWA: JSON Web Algorithms
• JWE: JSON Web Encryption
• JWK: JSON Web Key
• JWKS: JSON Web Key Set
• JWS: JSON Web Signing
• JWT: JSON Web Token
• IP: Identity Proofing
• LoA: Level of Assurance
• LoAs: Levels of Assurance
• MTLS: Mutually Authenticated Transport Layer Security
• OIDC: Open ID Connect
• PAR: Pushed Authorisation Requests
• PI: Personal Information
• PKCE: Proof Key for Code Exchange
• PKI: Public Key Infrastructure
• PPID: Pairwise Pseudonymous Identifier
• REST: Representational State Transfer
• SP: Data Recipient Software Product
• TDIF: Trusted Digital Identity Framework
• TLS: Transport Layer Security

CDR Federation

The CDR Federation will facilitate the secure exchange of consumer data and federation metadata between multiple system entities which will assume one or more of the following roles:

• Data Holder:
  • Multiple Data Holders will be supported.
• Data Recipient:
  • Multiple Data Recipients will be supported.
• Software Product:
  • Multiple Software Products will be supported for each Data Recipient.
• Register:
  • A register will be supported and will be maintained by the Australian Competition and Consumer Commission (ACCC) acting in its capacity as the Registrar for the CDR.
• Customer:
  • The authorising customer that is authenticated by a Data Holder.

Data Holder

The Data Holder (DH) is a system entity that authenticates a Customer (resource owner or user), as part of an authorisation process initiated by a Data Recipient, and issues an authorisation for that Data Recipient to access the Customer's data via published APIs.

A Data Holder assumes the role of an [OIDC] OpenID Provider.

For the purposes of this standard a single designated organisation MAY be represented via the Register as multiple separate Data Holders to support multiple brands or market identities.

Multi-Brand Support (Separate Issuers For Data Holder Brands)

From July 4th 2022

• Where a Data Holder has multiple brands, each brand MUST have a separate issuer.

Secondary Data Holder

A Secondary Data Holder (SDH) is a system entity that is designated to provide CDR data but does so via a standard Data Holder acting as a gateway. A Secondary Data Holder does not interact directly with Data Recipients and is not registered with the Register.

A request for data from a Secondary Data Holder by a standard Data Holder is known as a Shared Responsibility Data Request.

See the Shared Responsibility section contains standards related to Secondary Data Holders and Shared Responsibility Data Requests.

Data Recipient

A Data Recipient (DR) is a system entity that is accredited to collect CDR data from Data Holders or other DRs through authorised Software Products.

A Data Recipient MUST be accredited in order to participate in the CDR Federation. Accreditation rules for Data Recipients are beyond the scope of this artefact. The process of accreditation is managed by the CDR Registrar.

For the purposes of this standard a single accredited organisation is represented via the Register as a single Data Recipient and MAY be represented by multiple separate Software Products to support multiple applications or services.

Software Product

A Data Recipient Software Product (DRSP) is a system entity that is authorised by a Data Holder to access consumer resources (APIs). A Software Product MUST capture consumer consent prior to commencing an authorisation process with a Data Holder.

A Software Product MUST be registered with the Registrar and approved for use in order to participate in the CDR Federation.

A Software Product MAY be registered for use across one or more sectors (e.g. banking and energy).

A Software Product assumes the role of an [OIDC] Relying Party (Client).

Register

The Register is a central point of discovery for both Data Holders and Data Recipients. Data Holders and Data Recipients MUST be created as entities in the Register in order for them to participate as members of the CDR Federation. The functionality of the Register will include but will not be limited to:

• Management of Identities and Access: The Register will allow registered persons, on behalf of Data Holders and Data Recipients, to manage the metadata of their associated organisations and systems.
• Management of Certificates: The Register will facilitate the issuing, management and revocation of digital certificates.
• Discoverability and Search: The Register will expose APIs and Web Interfaces in order to support metadata queries across Register entities.

Customer

For the purposes of this standard a single person or individual MAY be represented as multiple Customers according to the practice of the Data Holder according to their existing digital channels.

Authentication Flows

This profile supports the authentication flows specified by OpenID Connect [OIDC] as constrained further by [FAPI].

Specifically the OIDC Hybrid Flow outlined at section 3.3 of [OIDC].

From July 4th 2022, Authorization Code Flow outlined at section 3.1 of [OIDC] is supported.

No other flows are currently supported.

Baseline Security Provisions

**v1.21.0 Change**
Moved baseline requirements applicable to both he OIDC Hybrid Flow and Authorization Code Flow outside of the OIDC Hybrid Flow section
Updated obligation dates
Require Data Holders to support both OIDC Hybrid Flow and Authorization Code Flow for a 3 month period. OIDC Hybrid Flow may be retired after July 10th 2023

Data Holders

The request_uri parameter is only supported if the Data Holder supports PAR.

In addition, the following statements are applicable to both the OIDC Hybrid Flow and Authorization Code Flow:

• Data Holders MUST request a user identifier that can uniquely identify the customer and that is already known by the customer in the redirected page
• Data Holders MUST NOT request that the customer enter an existing password in the redirected page
• Data Holders MUST provide a one-time password (OTP) to the customer through an existing channel or mechanism that the customer can then enter into the redirected page
• The delivery mechanism for the OTP is at the discretion of the Data Holder but MUST align to existing and preferred channels for the customer and MUST NOT introduce unwarranted friction into the authentication process
• Data Holders SHOULD implement additional controls to minimise the risk of interception of the OTP through the selected delivery mechanism
• The provided OTP MUST be used only for authentication for CDR based sharing and MUST NOT be usable for the authorisation of other transactions or actions
• The provided OTP MUST be invalidated after a period of time at the discretion of the Data Holder. This expiry period SHOULD facilitate enough time for the customer to reasonably complete the authorisation process
• The provided OTP MUST be numeric digits and be between 4 and 6 digits in length
• The algorithm for the creation of the OTP is at the discretion of the Data Holder but SHOULD incorporate a level of pseudorandomness appropriate for the use case
• Data Holders SHOULD implement additional controls to minimise the risk of enumeration attacks via the redirect page

In line with CDR Rule 4.24 on restrictions when asking CDR consumers to authorise disclosure of CDR data, unwarranted friction for OTP delivery is considered to include:

• the addition of any requirements beyond normal data holder practices for verification code delivery
• providing or requesting additional information beyond normal data holder practices for verification code delivery
• offering additional or alternative services
• reference or inclusion of other documents

From July 4th 2022 (FAPI 1.0 Migration Phase 1), the following requirements apply:

• Data Holders that do not support [PKCE] MUST ignore PKCE claims and MUST NOT reject clients sending PKCE claims.
• Data Holders MUST NOT reject requests with a "x-fapi-customer-ip-address" header containing a valid IPv4 or IPv6 address.
• Data Holders MAY support FAPI 1.0 Advanced Profile ([FAPI-1.0-Advanced]).
• Data Holders MAY support [PKCE] ([RFC7636]).
• Data Holders MAY allow the Authorization Code Flow, if supported, in accordance with FAPI 1.0 Advanced and MUST require [JARM] and [PKCE].

From September 16th 2022 (FAPI 1.0 Migration Phase 2), the following requirements apply in addition to the FAPI 1.0 Migration Phase 1 requirements:

• Data Holders MUST support the OIDC Hybrid Flow.
• Data Holders MUST support FAPI 1.0 Advanced Profile ([FAPI-1.0-Advanced]).
• Data Holders MAY support [PKCE] ([RFC7636]).
• Data Holders SHOULD support Authorization Code Flow.

From April 14th 2023 (FAPI 1.0 Migration Phase 3), the following requirements apply in addition to the FAPI 1.0 Migration Phase 2 requirements:
* Data Holders MUST support Authorization Code Flow.
* Data Holders MUST support the OIDC Hybrid Flow.

From July 10th 2023 (FAPI 1.0 Migration Phase 4),

• Data Holders MAY retire support for the OIDC Hybrid Flow.

Data Recipient Software Products

The following statements are applicable to both the OIDC Hybrid Flow and Authorization Code Flow:

• Data Recipient Software Products SHOULD record the following information each time an authorisation flow is executed: username (consumer’s ID at the Data Recipient Software Product), timestamp, IP, consent scopes and duration.

From July 4th 2022 (FAPI 1.0 Migration Phase 1), the following requirements apply:

• Data Recipient Software Products SHOULD NOT reuse "authorization_code" values, and if reused, it will be rejected.
• Data Recipient Software Products MAY send requests with a "x-fapi-customer-ip-address" header containing a valid IPv4 or IPv6 address.

From September 16th 2022, the following requirements apply in addition to the FAPI 1.0 Migration Phase 1 requirements:

• Data Recipient Software Products MUST support FAPI 1.0 Advanced Profile ([FAPI-1.0-Advanced]).
• Data Recipient Software Products MUST use [RFC9126] (PAR) with [PKCE] ([RFC7636]) and, if supported, MUST use S256 as the code challenge method.
• Data Recipient Software Products SHOULD use Authorization Code Flow.

OIDC Hybrid Flow

The [OIDC] Hybrid Flow is a type of redirection flow where the consumer's user agent is redirected from a Data Recipient Software Product’s (Relying Party) web site to a Data Holder’s Authorisation end point in the context of an [OIDC] authentication request. The OIDC Hybrid Flow incorporates aspects of the both the implicit flow and authorisation code flow detailed under [OIDC].

Only a response_type (see section 3.3 of [OIDC]) of code id_token SHALL be allowed.

Authorization Code Flow

**v1.21.0 Change**
+ Added requriements in relation to authorisation response encryption
- Removed legacy July 4th 2022 requirements

The following statements are applicable for this flow:

• Only a response_type (see section 3.1 of [OIDC]) of code SHALL be allowed.
• Data Holders MUST also support [JARM] and [PKCE]

Data Holders

Data Holders MUST support [JARM] in accordance with [FAPI-1.0-Advanced] section 5.2.2.2.

JWT Secured Authorization Response Mode for OAuth 2.0 (JARM) Data Holders MAY support Authorisation Response encryption.

However, at present, there is no confidential information in the authorization response, hence encryption of the authorization response is not required for the purposes of security or confidentiality. In addition, whilst response encryption MAY be used, to achieve greater interoperability, it is not recommended to use encryption in this case at this time.

In addition,

• Data Holders MAY advertise they do not support authorisation response encryption: either by omitting these values from their OpenID Provider Metadata, or by presenting an empty array for the supported parameters.
• If the Data Holder supports authorisation response encryption and the authorization_encrypted_response_alg is omitted from the registration request, the Data Holder MAY require response encryption by returning a client registration response with the chosen “authorization_encrypted_response_alg” value.

Data Recipient Software Products

Data Recipients MUST support [JARM] in accordance with [FAPI-1.0-Advanced] section 5.2.3.2.

In addition,

• Data Recipients MUST request authorisation response signing using one of the authorization_signing_alg_values_supported values offered by the Data Holder.
• Data Recipients MAY request response encryption using one of the advertised encryption sets.
• Data Recipients MAY request no response encryption by omitting the values in their client registration.
• If authorization_signed_response_alg is omitted, the default algorithm is "PS256".

Additional requirements and guidelines for the authentication flows are contained in the Consumer Experience section.

Client Authentication

This section outlines how participants in the CDR regime will authenticate clients seeking access to end points.

Note that, while [MTLS] is utilised for transaction security and as a Holder of Key mechanism, the PKI Mutual TLS OAuth Client Authentication Method SHALL NOT be supported as the mechanism for client authentication.

The following authentication methods are supported:

• Data Holders SHALL authenticate the CDR Register client using one of the following Client Authentication methods:

  • Self-signed JWT client assertion authenticated by the protected request endpoint according to Self-signed JWT Client Authentication, or
    
  • private_key_jwt authentication using client_credentials authorisation grant flow according to Private Key JWT Client Authentication.
    
    

• Data Holders and the CDR Register MUST authenticate Data Recipient Software Products using the Private Key JWT Client Authentication method.

• Data Recipient Software Products MUST authenticate Data Holders and the CDR Register using the Self-signed JWT Client Authentication method.

Private Key JWT Client Authentication

Private Key JWT Client Authentication Non-Normative Example - CDR Register calls the Data Holder's token end point to obtain an Access Token for the purposes of calling the Data Holder's Get Metrics endpoint.

POST /token HTTP/1.1
Host: www.holder.com.au
Content-Type: application/x-www-form-urlencoded

grant_type=client_credentials&
  client_id=5ntwEOpMdPxxy49Gt28SXWY6j3afl2CP2&
  scope=admin%3Ametrics.basic%3Aread&
  client_assertion_type=urn%3Aietf%3Aparams%3Aoauth%3Aclient-assertion-type%3Ajwt-bearer&
  client_assertion=eyJhbGciOiJQUzI1NiIsInR5cCI6IkpXVCIsImtpZCI6IjEyNDU2In0.ey ...

## Decoded client assertion JWT
{
  "alg": "PS256",
  "typ": "JWT",
  "kid": "12456"
}
{
  "iss": "5ntwEOpMdPxxy49Gt28SXWY6j3afl2CP2",
  "sub": "5ntwEOpMdPxxy49Gt28SXWY6j3aflCP2",
  "iat": 1516239022,
  "exp": 1516239322,
  "aud": "https://www.holder.com.au/token",
  "jti": "37747cd1-c105-4569-9f75-4adf28b73e31"
}

Authorisation Servers supporting private_key_jwt Client Authentication of clients MUST support the following requirements:

• Authorisation Servers MUST support the authentication of clients using the private_key_jwt Client Authentication method specified at section 9 of [OIDC].
• The private_key_jwt authentication method is enabled through the delivery of an encoded [JWT] signed using the Data Recipient Software Product's private key and thus facilitates non-repudiation.
• Client public keys are obtained from the [JWKS] endpoints.

• For the client authentication assertion, the [JWT] represents an assertion that MUST contain the following REQUIRED Claim Values and MAY contain the following OPTIONAL Claim Values:

  • iss - REQUIRED. Issuer Identifier for the Issuer of the response. The client ID of the bearer.
  • sub - REQUIRED. Subject Identifier. The client ID of the bearer.
  • aud - REQUIRED. Audience(s) that the JWT is intended for. The issuer identifier URL of the authorisation server according to [RFC8414] SHOULD be used as the value of the audience. In order to facilitate interoperability, the authorisation server MUST accept its Issuer Identifier, Token Endpoint URL, or the URI of the endpoint being invoked as values that identify it as an intended audience.
  • jti - REQUIRED. JWT ID. A unique identifier for the token, which can be used to prevent reuse of the token. These tokens MUST only be used once.
  • exp - REQUIRED. Expiration time on or after which the ID Token MUST NOT be accepted for processing. Value is a JSON number representing the number of seconds from 1970-01-01T00:00:00Z to the UTC expiry time.
  • iat - OPTIONAL. Time at which the JWT was issued. Value is a JSON number representing the number of seconds from 1970-01-01T00:00:00Z to the UTC issued at time.

• The aforementioned assertion MUST be sent to the Authorisation Server's Token endpoint with the POST method and MUST include the following REQUIRED parameters and MAY contain the following OPTIONAL parameters:

  • grant_type - REQUIRED. The grant type(s) supported by the Authorisation Server.
    
  • client_id - REQUIRED. The client ID of the bearer.
  • client_assertion_type - REQUIRED. This MUST be set to urn:ietf:params:oauth:client-assertion-type:jwt-bearer.
  • client_assertion - REQUIRED. The encoded assertion JWT.
  • scope - OPTIONAL. The requested scope as described in Section 3.3 of [RFC6749].

Self-signed JWT Client Authentication

Self-signed JWT Client Authentication Non-Normative Example - CDR Register calls the Data holder's Get Metrics end point using self-signed JWT Client Authentication (note that the “aud” claim represents the AdminBaseUri as defined in CDR Register Participant Endpoints).

GET https://admin.data.holder.com.au/cds-au/v1/admin/metrics HTTP:/1.1
Host: admin.data.holder.com.au
x-v: string
x-min-v: string
Authorization: Bearer eyJhbGciOiJQUzI1NiIsInR5cCI6IkpXVCIsImtpZCI6IjEyNDU2In0.ey ...

## Decoded Bearer token JWT
{
   "alg":"PS256",
   "typ":"JWT",
   "kid":"12456"
}
{
   "iss":"cdr-register",
   "sub":"cdr-register",
   "aud":"https://admin.data.holder.com.au",
   "iat":1516239022,
   "exp":1516239322,
   "jti":"32358102-a44f-43cc-ad7c-42443d01507a"
}

Data Recipient Software Products and Data Holders supporting the self-signed JWT authentication of clients using a signed JWT MUST do so according to the following requirements:

• The JWT MUST contain the following REQUIRED Claim Values and MAY contain the following OPTIONAL Claim Values:

  • iss - REQUIRED. Issuer Identifier for the Issuer of the response. The client ID of the bearer.
  • sub - REQUIRED. Subject Identifier. The client ID of the bearer.
  • aud - REQUIRED. Audience(s) that the JWT is intended for. The Data Holder or Data Recipient Software Product MUST verify that it is an intended audience for the token.
    
    

    Data Recipient hosted endpoints
    The Resource Path for the end point being accessed SHOULD be used.
    In order to facilitate interoperability and for Data Recipient Software Product hosted endpoints only, the endpoint MUST also accept the <RecipientBaseUri> as a value identifying the intended audience.
    From July 31st 2022: The Resource Path for the end point being accessed MUST be used.

    Data Holder Metrics endpoints
    The <AdminBaseUri> for the end point being accessed MUST be used.

  • jti - REQUIRED. JWT ID. A unique identifier for the token, which can be used to prevent reuse of the token. These tokens MUST only be used once.
  • exp - REQUIRED. Expiration time on or after which the ID Token MUST NOT be accepted for processing. Value is a JSON number representing the number of seconds from 1970-01-01T00:00:00Z to the UTC expiry time.
  • iat - OPTIONAL. Time at which the JWT was issued. Value is a JSON number representing the number of seconds from 1970-01-01T00:00:00Z to the UTC issued at time.

• Validation and use of the JWT and the claims described above MUST be performed in accordance with [JWT].

• The JWT MUST be accepted from the client at the requested endpoint using the "Authorization Request Header Field" mechanism as described in section 2.1 of [RFC6750].

Note: In accordance with jti requirements, self-signed JWTs are one-time use only. The authenticating server MUST reject JWTs reuse.

CDR Register calling Data Holders

Data Holders MUST support either Private Key JWT Client Authentication or Self-signed JWT Client Authentication of the CDR Register.

Data Holders SHOULD support Private Key JWT Client Authentication but MAY support Self-signed JWT Client Authentication.

This method MAY be changed by updating Data Holder registration details with the CDR Register.

Private Key JWT authentication

If the Data Holder supports the Private Key JWT Client Authentication method for authenticating the CDR Register, it MUST also support the following requirements:

• Data Holders MUST issue a client ID that is provided to the CDR Register. The client ID is issued to the CDR Register during out of band registration processes, including, Data Holder onboarding. This MAY be a static client ID value of ‘cdr-register’.
• The authorisation grant's grant_type parameter MUST be set to client_credentials.
  
• The authorisation grant's scope parameter MUST be provided and MUST be set to the scope of the resource endpoint to be accessed.
• Upon successful authentication, Data Holders MUST issue an Access Token to the CDR Register. In accordance with section 4.4 of [RFC6749] an Refresh Token SHOULD NOT be included.

Self-signed JWT authentication

If the Data Holder supports the Self-signed JWT Client Authentication method for authenticating the CDR Register, the client ID MUST be set to a value of cdr-register.

Data Holders calling Data Recipients

Non-Normative Example - Data Holder calls the Data Recipient Software Product's CDR Arrangement Revocation end point (note that the "aud" claim is "resource path" to the revocation end point).

POST https://data.recipient.com.au/arrangements/revoke HTTP/1.1
Host: data.recipient.com.au
Content-Type: application/x-www-form-urlencoded
Authorization: Bearer eyJhbGciOiJQUzI1NiIsInR5cCI6IkpXVCIsImtpZCI6IjEyNDU2In0.ey …

cdr_arrangement_jwt=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiIsImtpZCI6IjEyNDU2In0.ey ...

## Decoded Bearer token JWT
{
   "alg":"PS256",
   "typ":"JWT",
   "kid":"12456"
}
{
   "iss":"dataholderbrand-123",
   "sub":"dataholderbrand-123",
   "aud":"https://data.recipient.com.au/arrangements/revoke",
   "iat":1516239022,
   "exp":1516239322,
   "jti":"dba86502-7cf5-4719-9638-c5339a0ddb06"
}

Non-Normative Example - Data Recipient Software Product calls Data Holder's token end point. This example uses PKCE to send the code_verifier which was previously encrypted in the request object submission as the code_challenge using S256 as the code_challenge_method

POST /token HTTP/1.1
Host: www.holder.com.au
Content-Type: application/x-www-form-urlencoded

grant_type=authorization_code&
  code=i1WsRn1uB1&
  client_id=s6BhdRkqt3&
  code_verifier=4d9213fb-d68b-49d1-a2c9-486e5a0b4e14&
  client_assertion_type=urn%3Aietf%3Aparams%3Aoauth%3Aclient-assertion-type%3Ajwt-bearer&
  client_assertion=eyJhbGciOiJQUzI1NiIsInR5cCI6IkpXVCIsImtpZCI6IjEyNDU2In0.ey ...

## Decoded client assertion JWT
{
  "alg": "PS256",
  "typ": "JWT",
  "kid": "12456"
}
{
  "iss": "s6BhdRkqt3",
  "sub": "s6BhdRkqt3",
  "iat": 1516239022,
  "exp": 1516239322,
  "aud": "https://www.holder.com.au/token",
  "jti": "37747cd1-c105-4569-9f75-4adf28b73e31"
}

In addition to the requirements for Self-signed JWT Client Authentication, the client_id is the Data Holder Brand ID as issued by CDR Register.

Data Recipients calling Data Holders

In addition to the requirements for Private Key JWT Client Authentication the following requirements MUST be supported:

• The client ID represents the ID issued to the Data Recipient Software Product by the Data Holder upon successful dynamic client registration.
• The authorisation grant's client_id parameter value MUST represent the ID issued to the Data Recipient Software Product by the Data Holder upon successful dynamic client registration.
• The authorisation grant's grant_type parameter value MUST only be included when invoking the Token End point and MUST be set to authorisation_code or client_credentials. The value refresh_token is also valid when refreshing an access token.

Data Recipients calling the CDR Register

Non-Normative Example - Data Recipient Software Product requests CDR Register Access Token

POST /token HTTP/1.1
Host: cdr.register
Content-Type: application/x-www-form-urlencoded

grant_type=client_credentials&
  client_id=<brand id> OR <software product id> &
  client_assertion_type=urn%3Aietf%3Aparams%3Aoauth%3Aclient-assertion-type%3Ajwt-bearer&
  client_assertion=eyJhbGciOiJQUzI1NiIsInR5cCI6IkpXVCIsImtpZCI6IjEyNDU2In0.ey ...&
  scope=cdr-register%3Abank%3Aread

## Decoded client assertion JWT
{
  "alg": "PS256",
  "typ": "JWT",
  "kid": "b50641343f8f4717a4865d238b6297b8"
}
{
  "iss": "<brand id> OR <software product id>",
  "sub": "<brand id> OR <software product id>",
  "exp": 1516239322,
  "aud": "https://cdr.register/idp/connect/token",
  "jti": "37747cd1-c105-4569-9f75-4adf28b73e31"
}


## Response
{
    "access_token": "eyJhbGciOiJQUz...",
    "expires_in": 7200,
    "token_type": "Bearer",
    "scope": "cdr-register:bank:read openid"
}

In addition to the requirements for Private Key JWT Client Authentication the following requirements MUST be supported:

• grant_type MUST be set to client_credentials
• Refresh tokens will not be provided for grant_type client_credentials
• client_id, iss and sub claims MUST be set to the ID of the calling client Data Recipient Brand ID OR Software Product ID issued by the CDR Register

Client Registration

Dynamic Client Registration

Data Recipients register with Data Holders according to [DCR] to obtain client credentials used to retrieve consumer data on behalf of a consumer.

Software Statement Assertion (SSA)

As per [DCR], a Software Statement is defined in as: A digitally signed JSON Web Token (JWT) created in accordance with [JWT] that asserts metadata values about the client software

An SSA is a digitally signed JSON Web Token (JWT) created in accordance with [JWT] that asserts metadata values about the client software.

Such that:

• The CDR Register MUST issue Software Statements to active Data Recipients for active Software Products
• The CDR Register MUST issue distinct Software Statements for each Software Product ID
• Software Statements are issued with a 10 minute expiry time
• As per [FAPI-RW-Draft], SSAs are signed by the CDR Register using PS256
• CDR Register public keys are exposed on a dedicated JWKS URI endpoint
• The CDR Register JWKS endpoint is an unauthenticated endpoint, using TLS
• Data Recipients MUST present a valid SSA when undertaking dynamic client registration
• Data Holders MUST NOT register Data Recipient software products unless they present a verified Registration Request with a verified SSA

Refer to the Register APIs section for the endpoint definitions that will be used to retrieve and validate SSAs.

SSA Definition

Example SSA:

eyJhbGciOiJQUzI1NiIsImtpZCI6ImI4ZmFjZjJmZjM5NDQ0Zjc4MWUwYmU1ZGI0YjE0ZjE2IiwidHlwIjoiSldUIn0.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.ZNKe8aBHcsZ_OfdP0GvUa0AHrjcoC0Coky4jQHrPsRoG3YMcS2XG9JtyB5zq-AMOQoaib1Ijx1m7B-JOEbVcnNJcLUZeVEIwnP8hRssAnGjWwaYGUAiY-DEFUsuXqpQWgyIOFz84W-FaHFcqpOSGxjGmjICZU9S1Pl4o8b5poA_kJ2n_wdiOBUG4xl3uXqzK_vstcGXbAubFyLhjOxhc_rqONO2NCtpyCwj83Zqi7Ve_A27-ty5N0AQa2xYWvjDt_Xh8xcxRI_ih7_sStvDTTy3gtyX5bAdXsDsweCcvN0d2vOCpm6-dnr8D1fXDTnlT3x2uQ0XAysWr6wU4mAZFVA

Associated JWKS:

{
  "keys": [
    {
      "kid": "b8facf2ff39444f781e0be5db4b14f16",
      "kty": "RSA",
      "key_ops": [
        "sign",
        "verify"
      ],
      "n": "s0zGoaOEJE8HDfHjWtO0xLXtuPcwio8BEoj0-uu9kxxDIF7jH0jb06EwoPkb83BET59x6C0TtRfc_I5ZDksQKRClWXzbazqi62M5YhCgwyB-S09PJb8P1GfQBYyK346nLKARHbFJ1t1SHARcVFJA_8NeHfQn_0fyEc55R3GGNDL3YQtjEoTb-LMR-KpcPB2BpyDuie-jk-3f1t0EfvnkVp-6co1_KTXrbwuYtH31YBZLgU4JeZEJLTnGdMKmJppZ9SnyrBB461hMmw0HJHJj6uZJSiP2onmvlrUezv1T3NM3HOE7WHxlps9MUJj3vcpea-O6n5JBX8emTduLuLuKuw",
      "e": "AQAB"
    }
  ]
}

Decoded SSA

{
  "alg": "PS256",
  "kid": "b8facf2ff39444f781e0be5db4b14f16",
  "typ": "JWT"
}

{
  "iss": "cdr-register",
  "iat": 1571808167,
  "exp": 2147483646,
  "jti": "3bc205a1ebc943fbb624b14fcb241196",
  "legal_entity_id": "3B0B0A7B-3E7B-4A2C-9497-E357A71D07C7",
  "legal_entity_name": "Mock Company Pty Ltd.",
  "org_id": "3B0B0A7B-3E7B-4A2C-9497-E357A71D07C8",
  "org_name": "Mock Company Brand",
  "client_name": "Mock Software",
  "client_description": "A mock software product for testing SSA",
  "client_uri": "https://www.mockcompany.com.au",
  "redirect_uris": [
    "https://www.mockcompany.com.au/redirects/redirect1",
    "https://www.mockcompany.com.au/redirects/redirect2"
  ],
  "sector_identifier_uri": "https://www.mockcompany.com.au/sector_identifier",
  "logo_uri": "https://www.mockcompany.com.au/logos/logo1.png",
  "tos_uri": "https://www.mockcompany.com.au/tos.html",
  "policy_uri": "https://www.mockcompany.com.au/policy.html",
  "jwks_uri": "https://www.mockcompany.com.au/jwks",
  "revocation_uri": "https://www.mockcompany.com.au/revocation",
  "recipient_base_uri": "https://www.mockcompany.com.au",
  "software_id": "740C368F-ECF9-4D29-A2EA-0514A66B0CDE",
  "software_roles": "data-recipient-software-product",
  "scope":
        "openid
         profile
         bank:accounts.basic:read
         bank:accounts.detail:read
         bank:transactions:read
         bank:payees:read
         bank:regular_payments:read
         common:customer.basic:read
         common:customer.detail:read
         cdr:registration"
}

+ Added statement: Get Software Statement Assertion API v1 & v2 has the scope claim explicitly defined.

The SSA will conform to the requirements of [DCR] with the following clarifications:

Client Metadata	Required	Modifiable	Description
iss	Required		Contains the iss (issuer) claim denoting the party attesting to the claims in the software statement value: "cdr-register"
iat	Required		The time at which the request was issued by the CDR Register, expressed as seconds since 1970-01-01T00:00:00Z as measured in UTC
exp	Required		The time at which the SSA expires expressed as seconds since 1970-01-01T00:00:00Z as measured in UTC
jti	Required		Unique identifier for the JWT, used to prevent reuse of the SSA.
legal_entity_id	Optional		A unique identifier string assigned by the CDR Register that identifies the Accredited Data Recipient Legal Entity
legal_entity_name	Optional		Human-readable string name of the Accredited Data Recipient Legal Entity
org_id	Required		A unique identifier string assigned by the CDR Register that identifies the Accredited Data Recipient Brand
org_name	Required		Human-readable string name of the Accredited Data Recipient Brand to be presented to the end user during authorization
client_name	Required		Human-readable string name of the software product to be presented to the end-user during authorization
client_description	Required		Human-readable string name of the software product description to be presented to the end user during authorization
client_uri	Required		URL string of a web page providing information about the client
redirect_uris	Required		Array of redirection URI strings for use in redirect-based flows
sector_identifier_uri	Optional		URL string referencing the client's sector identifier URI, used as an optional input to the Pairwise Identifier as described in described in section 8 of [OIDC]
logo_uri	Required		URL string that references a logo for the client software product. The server SHOULD display this image to the end-user during approval
tos_uri	Optional		URL string that points to a human-readable terms of service document for the Software Product
policy_uri	Optional		URL string that points to a human-readable policy document for the Software Product
jwks_uri	Required		URL string referencing the client's JSON Web Key (JWK) Set [RFC7517] document, which contains the client's public keys
revocation_uri	Required		URI string that references the location of the Software Product consent revocation endpoint as per Consumer Data Standards Endpoints
recipient_base_uri	Required		Base URI for the Consumer Data Standard Data Recipient endpoints. This SHOULD be the base to provide reference to all other Data Recipient Endpoints
software_id	Required		String representing a unique identifier assigned by the Register and used by registration endpoints to identify the software product to be dynamically registered. The software_id will remain the same across multiple updates or versions of the same piece of software. The software_id SHOULD be used as the primary external identifier for the client to prevent duplicate client registrations
software_roles	Required		String containing a role of the software in the CDR Regime. Initially the only value used with be “data-recipient-software-product”
scope	Required		String containing a space-separated list of scope values that the client can use when requesting access tokens. These CDS scope values are defined at: Authorisation Scopes The DCR scope value is defined at: Client Registration Management As per the CDS Scopes and Claims, openid and profile are included in the SSA

Get Software Statement Assertion API v1 & v2 has the scope claim explicitly defined.

Registration Request using JWT

Example Request Client registration with OpenID Hybrid Flow

HTTP/1.1 POST /register
Content-Type: application/jwt
Accept: application/json

### Non-normative Decoded JWT
{
   "alg":"PS256",
   "typ":"JWT",
   "kid":"12456"
}
{
   "iss":"CDR Software Product ID",
   "iat":1571808167,
   "exp":2147483646,
   "jti":"37747cd1c10545699f754adf28b73e31",
   "aud":"https://secure.api.dataholder.com/issuer",
   "redirect_uris":[
      "https://www.mockcompany.com.au/redirects/redirect1",
      "https://www.mockcompany.com.au/redirects/redirect2"
   ],
   "token_endpoint_auth_signing_alg":"PS256",
   "token_endpoint_auth_method":"private_key_jwt",
   "grant_types":[
      "client_credentials",
      "authorization_code",
      "refresh_token"
   ],
   "response_types":["code id_token"],
   "application_type":"web",
   "id_token_signed_response_alg":"PS256",
   "id_token_encrypted_response_alg":"RSA-OAEP",
   "id_token_encrypted_response_enc:"A256GCM",
   "request_object_signing_alg":"PS256",
   "authorization_signed_response_alg": "PS256",
   "authorization_encrypted_response_alg": "RSA-OAEP",
   "authorization_encrypted_response_enc": "A256GCM",
   "software_statement":…
}
{
  "signature":...
}

Example Request This example creates a FAPI 1.0 Phase 3 client registration that uses Authorization Code Flow with JARM encryption

HTTP/1.1 POST /register
Content-Type: application/jwt
Accept: application/json

### Non-normative Decoded JWT
{
   "alg":"PS256",
   "typ":"JWT",
   "kid":"12456"
}
{
   "iss":"CDR Software Product ID",
   "iat":1571808167,
   "exp":2147483646,
   "jti":"37747cd1c10545699f754adf28b73e31",
   "aud":"https://secure.api.dataholder.com/issuer",
   "redirect_uris":[
      "https://www.mockcompany.com.au/redirects/redirect1",
      "https://www.mockcompany.com.au/redirects/redirect2"
   ],
   "token_endpoint_auth_signing_alg":"PS256",
   "token_endpoint_auth_method":"private_key_jwt",
   "grant_types":[
      "client_credentials",
      "authorization_code",
      "refresh_token"
   ],
   "response_types":["code"],
   "application_type":"web",
   "id_token_signed_response_alg":"PS256",
   "request_object_signing_alg":"PS256",
   "authorization_signed_response_alg": "PS256",
   "authorization_encrypted_response_alg": "RSA-OAEP",
   "authorization_encrypted_response_enc": "A256GCM",
   "software_statement":…
}
{
  "signature":...
}

To register with a Data Holder, the Data Recipient sends an HTTP POST to the Data Holder registration endpoint.

• The request MUST be presented in the format of a [RFC7519] compliant JWT.
• The request MUST use the HTTP POST method, using the application/jwt content type.
• The JWT MUST be signed using algorithms specified in section 8.6 of [FAPI-RW-Draft]

The client registration request MUST contain the following claims in the JWT payload unless designated as Optional:

**v1.21.0 Change**
+ Added JARM parameters
Updated ID Token encryption parameter descriptions

Claim	Required	Description
iss	Required	Contains the identifier for the Data Recipient Software Product (SoftwareProductId) as defined in the CDR Register
iat	Required	The time at which the request was issued by the Data Recipient expressed as seconds since 1970-01-01T00:00:00Z as measured in UTC
exp	Required	The time at which the request expires expressed as seconds since 1970-01-01T00:00:00Z as measured in UTC
jti	Required	Unique identifier for the JWT, used to prevent reuse of the token.
aud	Required	Contains the DH issuer value as described in the OIDC Discovery Document
redirect_uris	Optional	Array of redirection URI strings for use in redirect-based flows. If used, redirect_uris MUST match or be a subset of the redirect_uris as defined in the SSA
token_endpoint_auth_method	Required	The requested authentication method for the token endpoint. The only supported method will be private_key_jwt
token_endpoint_auth_signing_alg	Required	The algorithm used for signing the JWT
grant_types	Required	Array of OAuth 2.0 grant type strings that the client can use at the token endpoint. Supported values: [client_credentials, authorization_code, refresh_token]
response_types	Required	Array of the OAuth 2.0 response type strings that the client can use at the authorization endpoint. values: ["code", "code id_token"] Response type value “code” is required for Authorization Code Flow. Response type value “code id_token” is required for OIDC Hybrid Flow.
application_type	Optional	Kind of the application. The only supported application type will be web
id_token_signed_response_alg	Required	Algorithm with which an id_token is to be signed Supported values as constrained by [FAPI-1.0-Advanced]. Required for both Authorization Code Flow (response_type “code”) and OIDC Hybrid Flow (response_type “code id_token”).
id_token_encrypted_response_alg	Required	JWE alg algorithm with which an id_token is to be encrypted. Required if OIDC Hybrid Flow (response_type “code id_token”) is registered. Must be ignored for Authorization Code Flow.
id_token_encrypted_response_enc	Required	JWE enc algorithm with which an id_token is to be encrypted. Required if OIDC Hybrid Flow (response_type “code id_token”) is registered. Must be ignored for Authorization Code Flow.
authorization_signed_response_alg	Conditional	The JWS alg algorithm required for signing authorization responses. If this is specified, the response will be signed using JWS and the configured algorithm. The algorithm “none” is not allowed. Required if response_type of “code” is registered by the client.
authorization_encrypted_response_alg	Conditional	The JWE alg algorithm required for encrypting authorization responses. If unspecified, the default is that no encryption is performed. Required if “authorization_encrypted_response_enc” is included.
authorization_encrypted_response_enc	Optional	The JWE enc algorithm required for encrypting authorization responses. If “authorization_encrypted_response_alg” is specified, the default for this value is “A128CBC-HS256”.
request_object_signing_alg	Optional	Algorithm which the ADR expects to sign the request object if a request object will be part of the authorization request sent to the Data Holder If field not present in the request, data holders are expected to respond with an appropriate default value Supported values as constrained by [FAPI-RW-Draft]
software_statement	Required	Software statement assertion issued by the CDR Register

ID Token Algorithm Selection Considerations

**v1.21.0 Change**
Updated the section to make clear these requirements must be applied for OIDC Hybrid Flow

When requiring ID Token encryption, the following requirements are applicable.

Participants MUST support, at a minimum, the following ID Token algorithms:

Claim	Values
id_token_encrypted_response_alg	RSA-OAEP RSA-OAEP-256
id_token_encrypted_response_enc	A256GCM A128CBC-HS256

Data Holders MUST support at a minimum, 1 algorithm for each claim.

Data Recipients MUST support all the algorithms used in the ecosystem to ensure they can communicate with all Data Holders.

ID Token algorithm considerations remain relevant where the OIDC Hybrid Flow is leveraged as defined in the Consumer Data Standards and in accordance with sections 5.1.1, 5.2.2.1, and 5.2.3.1 of [FAPI-1.0-Advanced].

JARM Response Encryption Considerations

**v1.21.0 Change**
+ Added JARM response encryption considerations

If Data Holders support authorisation response encryption, they MUST support, at a minimum, one of each of the following alg and enc algorithms:

Claim	Values
authorization_encryption_alg_values_supported	RSA-OAEP RSA-OAEP-256
authorization_encryption_enc_values_supported	A256GCM A128CBC-HS256

Data Recipients MUST support the minimum required algorithms.

Registration Validation

Validation and use of the JWT and the claims described above MUST be performed in accordance with [JWT].

SSA JWT signatures MUST be verified against the associated JWK published at the CDR Register JWKS endpoint.

The registration request JWT MUST be verified against the associated JWK published by the Data Recipient. Data Holders are required to verify the request JWT signature against an associated JWK from the jwks_uri extracted from the SSA.

Data Holders MUST NOT allow multiple active registrations for the same software_id.

From 31st August 2022, Data Holders MUST ignore unsupported authorisation scopes presented in the SSA for the creation and update of client registrations.

Data Holders MUST adhere to the NFR performance requirements when validating and responding to registration requests. Additional validation processes (such as outbound white-listing of data recipient endpoints) MUST NOT prevent specified response times being met.

Registration Response

Example Created Response OIDC Hybrid Flow

HTTP/1.1 201 Created
Content-Type: application/json

{
  "client_id": "2cfefa98-7d4a-4bcb-95da-47063b84d410",
  "client_id_issued_at": 1574398823,
  "redirect_uris": [
     "https://www.mockcompany.com.au/redirects/redirect1",
     "https://www.mockcompany.com.au/redirects/redirect2"
   ],
   "token_endpoint_auth_signing_alg":"PS256",
   "token_endpoint_auth_method":"private_key_jwt",
   "grant_types":[
      "client_credentials",
      "authorization_code",
      "refresh_token"
   ],
   "response_types":["code id_token"],
   "application_type":"web",
   "id_token_signed_response_alg":"PS256",
   "id_token_encrypted_response_alg":"RSA-OAEP",
   "id_token_encrypted_response_enc:"A256GCM",
   "request_object_signing_alg":"PS256",
   "software_statement":"…",
   "legal_entity_id": "3B0B0A7B-3E7B-4A2C-9497-E357A71D07C7",
   "legal_entity_name": "Mock Company Pty Ltd",
   "org_id": "3B0B0A7B-3E7B-4A2C-9497-E357A71D07C8",
   "org_name": "Mock Company Brand",
   "client_name": "Mock Software",
   "client_description": "A mock software product for testing SSA",
   "client_uri": "https://www.mockcompany.com.au",
   "logo_uri": "https://www.mockcompany.com.au/logos/logo1.png",
   "tos_uri": "https://www.mockcompany.com.au/tos.html",
   "policy_uri": "https://www.mockcompany.com.au/policy.html",
   "jwks_uri": "https://www.mockcompany.com.au/jwks",
   "revocation_uri": "https://www.mockcompany.com.au/revocation",
   "recipient_base_uri": "https://www.mockcompany.com.au",
   "sector_identifier_uri": "https://www.mockcompany.com.au/sector_identifier"
   "software_id": "740C368F-ECF9-4D29-A2EA-0514A66B0CDE",
   "software_roles": "data-recipient-software-product",
   "scope":
         "openid
          profile
          bank:accounts.basic:read
          bank:accounts.detail:read
          bank:transactions:read
          bank:payees:read
          bank:regular_payments:read
          common:customer.basic:read
          common:customer.detail:read
          cdr:registration"
}

Example Created Response Authorization Code Flow This example creates a FAPI 1.0 Phase 3 client registration that uses Authorization Code Flow with JARM encryption

HTTP/1.1 201 Created
Content-Type: application/json

{
  "client_id": "2cfefa98-7d4a-4bcb-95da-47063b84d410",
  "client_id_issued_at": 1574398823,
  "redirect_uris": [
     "https://www.mockcompany.com.au/redirects/redirect1",
     "https://www.mockcompany.com.au/redirects/redirect2"
   ],
   "token_endpoint_auth_signing_alg":"PS256",
   "token_endpoint_auth_method":"private_key_jwt",
   "grant_types":[
      "client_credentials",
      "authorization_code",
      "refresh_token"
   ],
   "response_types":["code"],
   "application_type":"web",
   "id_token_signed_response_alg":"PS256",
   "authorization_signed_response_alg": "PS256",
   "authorization_encrypted_response_alg": "RSA-OAEP",
   "authorization_encrypted_response_enc": "A256GCM",
   "request_object_signing_alg":"PS256",
   "software_statement":"…",
   "legal_entity_id": "3B0B0A7B-3E7B-4A2C-9497-E357A71D07C7",
   "legal_entity_name": "Mock Company Pty Ltd",
   "org_id": "3B0B0A7B-3E7B-4A2C-9497-E357A71D07C8",
   "org_name": "Mock Company Brand",
   "client_name": "Mock Software",
   "client_description": "A mock software product for testing SSA",
   "client_uri": "https://www.mockcompany.com.au",
   "logo_uri": "https://www.mockcompany.com.au/logos/logo1.png",
   "tos_uri": "https://www.mockcompany.com.au/tos.html",
   "policy_uri": "https://www.mockcompany.com.au/policy.html",
   "jwks_uri": "https://www.mockcompany.com.au/jwks",
   "revocation_uri": "https://www.mockcompany.com.au/revocation",
   "recipient_base_uri": "https://www.mockcompany.com.au",
   "sector_identifier_uri": "https://www.mockcompany.com.au/sector_identifier"
   "software_id": "740C368F-ECF9-4D29-A2EA-0514A66B0CDE",
   "software_roles": "data-recipient-software-product",
   "scope":
         "openid
          profile
          bank:accounts.basic:read
          bank:accounts.detail:read
          bank:transactions:read
          bank:payees:read
          bank:regular_payments:read
          common:customer.basic:read
          common:customer.detail:read
          cdr:registration"
}

On successful registration, the response MUST be returned to the Data Recipient conforming to Section 3.2.1 of [DCR].

Claim	Required	Description
client_id	Required	Contains the dynamically generated identifier for the Software Product issued by the Data Holder
client_id_issued_at	Optional	Time at which the client identifier was issued

As per Section 3.2.1 of [DCR], additionally, the authorisation server MUST return all registered metadata about this client, including any fields provisioned by the authorisation server itself.

The Software Statement value MUST be returned unmodified. Client metadata elements used from the software statement MUST also be returned directly as top-level client metadata values in the registration response.

Any additional claims MUST be ignored and not returned on completion of the request.

Registration Errors

Example Error Response

HTTP/1.1 400 Bad Request
Content-Type: application/json

{
 "error": "invalid_software_statement",
 "error_description": "Duplicate registrations for a given software_id are not valid"
}

When an error condition occurs during a registration request, the response MUST be returned to the Accredited Data Recipient conforming to Section 3.2.2 of [DCR].

Duplicate registrations are not permitted so attempts to create a registration which already exists MUST return an HTTP 400 error.

Registration error responses schemas are defined in the DCR APIs section.

For those Registration errors which do not map to Section 3.2.2 of [DCR], HTTP Response Codes in the Consumer Data Standards SHOULD be used.

Registration Management

Non-Normative Example for access token retrieval to perform registration management

HTTP/1.1 POST /token
Content-Type: application/x-www-form-urlencoded

grant_type=client_credentials&
  scope=cdr%3Aregistration&
  client_assertion_type=urn%3Aietf%3Aparams%3Aoauth%3Aclient-assertion-type%3Ajwt-bearer&
  client_assertion=eyJhbGciOiJQUzI1NiIsInR5cCI6IkpXVCIsImtpZCI6IjEyNDU2In0.ey ...

### Decoded client assertion JWT
{
  "alg": "PS256",
  "typ": "JWT",
  "kid": "12456"
}
{
  "iss": "12345",
  "sub": "12345",
  "iat": 1516239022,
  "exp": 1516239322,
  "aud": "https://www.holder.com.au/token",
  "jti": "37747cd1-c105-4569-9f75-4adf28b73e31"
}

Data Holders MUST expose Client Registration Management endpoints as defined in the DCR APIs

HTTP Verb		MTLS	HoK	Client Authentication
POST /register	Required			N/A
GET /register/{clientID}	Required			Client Credentials with cdr:registration scope
PUT /register/{clientID}	Required			Client Credentials with cdr:registration scope
DELETE /register/{clientID}	Optional			Client Credentials with cdr:registration scope

• Registration endpoints will be exposed in the OIDC Discovery Configuration Endpoint
• POST and PUT operations MUST accept the SSA payload.
• Fields data holders do not support are not persisted.
• Access tokens issued for consuming CDR Data SHOULD NOT be used for client registration maintenance and vice-versa

PUT Operations

Registrations MUST only be updated via Registration PUT operations

PUT operations are to be used for one of two scenarios:

1. The client has updated their registration details on the CDR Register and updates this information to the data holder
2. A new version of the SSA has been released and the client updates this information to the data holder

Participant Statuses

Data Recipient and Software Product Statuses

The accreditation status of Data Recipients, and the status of their associated Software Products, MAY traverse through multiple statuses in the CDR.

The status of participants is maintained in the CDR Register by the CDR Registrar according to determination of the CDR Accreditor or the participant themselves.

CDR data MAY only be disclosed to active Data Recipients. Data Holders MUST cease disclosing CDR data where the accreditation of a Data Recipient or Software Package is:

1. Suspended or revoked by the CDR Registrar.
2. Surrendered by the Data Recipient.

The CDR Register MUST notify all Data Holders of the above changes in Data Recipient and Software Package status via the Register APIs.

The CDR Register MUST expose the statuses of data recipients and their associated software products via the Register APIs, using the following state models:

Data Recipient Status

Software Product Status

Status Mapping

When the CDR Registrar changes the accreditation status for a Data Recipient for any status other than active, the associated Software Product statuses MUST be changed accordingly.

The cascading status mappings are as follows:

Data Recipient Status	Cascaded Software Product Status
Suspended	Inactive
Revoked	Removed
Surrendered	Removed

Archiving

Dormant entries will be identified and archived automatically within the CDR Register.

Dormant entries are defined as those records that have reached and maintained an end state in the CDR Register for the past 2 years.

The table below outlines the end state for each Register entry type:

Register Entity	End State
Data Holder	Removed
Data Holder Brand	Removed
Data Recipient	Surrendered, Revoked
Data Recipient Brand	Removed
Data Recipient Software Product	Removed

Data Holder Responsibilities

The CDR Registrar has the ability to change the status of a Software Product independently of the Data Recipient's accreditation status. Therefore, both the Data Recipient and Software Product statuses SHOULD be referenced, to determine the Data Holder's responsibilities for data disclosure, consent and registration management.

Data Recipient Status	Software Product Status	Disclose of CDR Data	Facilitate Consent Authorisation	Facilitate Consent Withdrawal	Invalidate Consents	Cleanup Registration
Active	Active
Active	Inactive
Active	Removed
Suspended	Inactive
Suspended	Removed
Revoked	Removed
Surrendered	Removed

• Disclosure of CDR data MUST be in response to valid requests in accordance with the CDR rules and standards
• The status of a Data Recipient Brand does not impact Data Holder responsibilities due to the cascade rules outlined above
• When a Data Recipient status is Suspended, Revoked or Surrendered the Software Product status cannot be Active
• Invalidation of consents and cleanup of registrations are bulk operations. It is reasonable to execute these as batch tasks performed overnight
• The CDR Register MUST NOT provide an undefined status for Data Recipient or Data Recipient Software Product Statuses
• If Data Holders do not receive a status for a Data Recipient or Data Recipient Software Product, or receives a status that is not recognised, Data Holders SHOULD ignore the value and use the previous status value retrieved from the CDR Register. Data Holders SHOULD continue to use the previous status value until a valid value is returned by the CDR Register or the ACCC informs the Data Holder using an alternative mechanism. There is no upper bound for how long previous status values should remain trusted.

Metadata Cache Management

Data Holders MUST react to Data Recipient and associated Software Statuses changes within 5 minutes of the change occurring on the CDR Register.

To achieve this, Data Holders will poll the GetDataRecipientsStatus, GetSoftwareProductsStatus and GetDataRecipients APIs to retrieve the current statuses and cache these for use during requests for Consumer Data.

Data Holders MUST choose a frequency of polling which ensures their systems can respond to status changes within the required timeframe.

Data Holders and Data Recipients MUST cache all other participant data they use and periodically update this cache using a slow poll. This ensures that changes to participant configuration propagates throughout the ecosystem in a predictable timeframe.

The CDR Register MAY cache the responses for public APIs hosted by the CDR Register. If caching is supported the CDR Register MUST support ETag cache validators allowing participants to detect whether the content has changed.

Cache update periods

The following are the recommended caching times for data retrieved from the Register APIs.

API	Type	Period
GetDataRecipientsStatus	Public	2-5 minutes
GetSoftwareProductsStatus	Public	2-5 minutes
GetDataRecipients (statuses)	Public	2-5 minutes
GetDataRecipients (other data)	Public	6 hours
GetDataHolderBrands	Private	6 hours

OIDC Client Types

Only Confidential Clients SHALL be supported under this profile. Therefore, Public clients SHALL NOT be supported.

In reference to the client types referenced in section 2.1 of [OAUTH2]:

• Confidential Clients MUST be supported under this profile.
• Public clients MUST NOT be supported.

JSON Web Key Sets

Data Holder public keys MUST only be obtained from the standard OIDC end point used for that purpose.

Data Recipient Software Product public keys MUST only be obtained from the URI registered with the CDR Register.

CDR Register public keys MUST only be obtained from the end point exposed for that purpose.

Consent

Consent requirements will be communicated between the Data Recipient Software Product and Data Holder via the authorisation request object. The primary mechanism for capturing consent will be scopes and claims under [OIDC].

Other patterns for the establishment of consent MAY be considered in the future, including the incorporation of fine-grained consent for specific use cases.

Scopes and Claims

OIDC Scopes

In addition to CDR data scopes the following scopes MUST be supported:

• openid: As described as section 3.1.2.1 of [OIDC], this scope MUST be present on each authentication request.
• profile: Data Holders MUST support the profile scope as described in section 5.4 of [OIDC]. This scope MAY be present on an authentication request.

Claims

The following normal [OIDC] and standard claims claims MUST be supported for the authenticated End-User*:

• sub: Pairwise Pseudonymous Identifier (PPID) for the End-User at the Data Holder.
• acr: Authentication Context Class Reference. MUST contain a valid ordinal LoA value.
• auth_time: Time when the End-User authentication occurred. Its value is a JSON number representing the number of seconds from 1970-01-01T00:00:00Z to the UTC auth_time. It MUST be returned by the Data Holder in the ID Token when the Data Recipient Software Product has requested it as an essential claim according to section 2 of the [OIDC] standard. It SHOULD NOT be returned via the UserInfo endpoint.
• name: End-User's full name in displayable form including all name parts.
• given_name: Given name(s) or first name(s) of the End-User.
• family_name: Surname(s) or last name(s) of the End-User.
• updated_at: Time the End-User's information was last updated. Its value is a JSON number representing the number of seconds from 1970-01-01T00:00:00Z to the UTC updated_at time.

The following additional claims MUST be supported:

• refresh_token_expires_at: indicates the date-time at which the most recently provided refresh token will expire. Its value MUST be a number containing a NumericDate value, as specified in section 2 of section 2 [JWT]. If no refresh token has been provided then a zero value should be returned.
• sharing_expires_at: indicates the date-time at which the current sharing arrangement will expire. Its value MUST be a number containing a NumericDate value, as specified in section 2 of [JWT]. If consent is not complete or a sharing_duration was not requested in the authorisation request object then a zero value should be returned.

The following standard [OIDC] claims MAY be supported:

• email: End-User's preferred e-mail address. Its value MUST conform to the [RFC5322] addr-spec syntax. The Data Recipient MUST NOT rely upon this value being unique, as discussed in Section 5.7 of [OIDC].
  
• email_verified: True if the End-User's e-mail address has been verified; otherwise false. When this Claim Value is true, this means that the Data Holder took affirmative steps to ensure that this e-mail address was controlled by the End-User at the time the verification was performed. The means by which an e-mail address is verified is context-specific, and dependent upon the trust framework or contractual agreements within which the parties are operating.
  
• phone_number: End-User's preferred telephone number. [E.164] is RECOMMENDED as the format of this Claim, for example, +1 (425) 555-1212 or +56 (2) 687 2400. If the phone number contains an extension, it is RECOMMENDED that the extension be represented using the [RFC3966] extension syntax, for example, +1 (604) 555-1234;ext=5678.
  
• phone_number_verified: True if the End-User's phone number has been verified; otherwise false. When this Claim Value is true, this means that the Data Holder took affirmative steps to ensure that this phone number was controlled by the End-User at the time the verification was performed. The means by which a phone number is verified is context- specific, and dependent upon the trust framework or contractual agreements within which the parties are operating. When true, the phone_number Claim MUST be in [E.164] format and any extensions MUST be represented in [RFC3966] format.
  
• address: End-User's preferred postal address. The value of the address member is a JSON [RFC4627] structure containing some or all of the members defined in Section 5.1.1.

Other [OIDC] Standard Claims MUST be ignored and not authorised.

Note: For non-individual consumers, claims available via the profile scope will only return the details of the authenticated End-User and not the organisation or non-individual consumer. Data Holders SHOULD explicitly capture Claims requested by the Data Recipient. If the data cluster or [OIDC] profile scope changes meaning in future this ensures the Data Holder only returns what the consumer initially authorised to disclose.

Tokens

ID Token

Non-Normative Example - acr

{
  "iss": "https://www.holder.com.au",
  "sub": "a9ebbef6-1f0b-44eb-96cf-0c5b51b37ab2",
  "aud": "12345",
  "nonce": "n-0S6_WzA2Mj",
  "exp": 1311281970,
  "iat": 1311280970,
  "nbf": 1311280970,
  "auth_time": 1311280969,
  "acr": "urn:cds.au:cdr:3",
  "refresh_token_expires_at": 1311281970,
  "sharing_expires_at": 1311281970
}

Non-Normative Example - FAPI 1.0 Final Phase 3 Obligations

{
  "iss": "https://www.holder.com.au",
  "sub": "a9ebbef6-1f0b-44eb-96cf-0c5b51b37ab2",
  "aud": "12345",
  "nonce": "n-0S6_WzA2Mj",
  "exp": 1311281970,
  "iat": 1311280970,
  "nbf": 1311280970,
  "auth_time": 1311280969,
  "acr": "urn:cds.au:cdr:2"
}

**v1.21.0 Change**
Updated heading levels to be consistent
Moved hashing requirements underneath OIDC Hybrid Flow
Clarified ID Token encryption requirements apply only to the OIDC Hybrid Flow

ID Tokens are specified in section 2 of the [OIDC] standard.

Baseline ID Token requirements

In addition to the mandatory claims specified in section 2 of the [OIDC] standard, required claims for ID Tokens as part of Hybrid Flow authentication MUST align to section 3.3 (Authentication using the Hybrid Flow) of the [OIDC] standards and section 5.2.2 and section 8.4.3 of the [FAPI-RW-Draft] profile.

ID Tokens MUST be signed by Data Holders as specified in section 8.6 of [FAPI-RW-Draft].

OIDC Hybrid Flow requirements

In accordance with [FAPI-RW-Draft], ID Tokens MUST be signed and encrypted when returned to a Data Recipient Software Product from both the Authorisation End Point and Token End Point.

The ID Token returned from the Authorisation End Point MUST NOT contain any Personal Information (PI) claims.

Hashing value for state and authorisation code

The following requirements apply to the OIDC Hybrid Flow:

• The c_hash value MUST be generated according to section 3.3.2.11 of [OIDC].
• The s_hash value MUST be generated according to section 5.1.1 of [FAPI-1.0-Advanced].

Authorization Code Flow requirements

For response_type “code”, in accordance with [FAPI-1.0-Advanced], ID Tokens MUST be signed and MUST NOT be encrypted when returned to a Data Recipient Software Product from the Token End Point.

Access Token

Access Tokens MUST be used as specified in section 10.3 of [OAUTH2].

An Access Token MUST expire between 2 minutes to 10 minutes after the Data Holder issues it (at the discretion of the Data Holder).

The process for refreshing an Access Token is described in section 12.1 of [OIDC].

From July 4th 2022 (FAPI 1.0 Migration Phase 1), the following requirements apply:

• Data Holders MUST reject token request with an authorization code (Section 1.3.1 of [RFC6749]) if it has been previously used

Refresh Token

Refresh Tokens MUST be supported by Data Holders.

The usage of Refresh Tokens is specified in section 12 of [OIDC].

The expiration time for a Refresh Token MUST be set by the Data Holder.

Refresh Token expiration MAY be any length of time greater than 28 days but MUST NOT exceed the end of the duration of sharing consented to by the Consumer.

Until September 16th 2022:

• Data Holders MAY cycle Refresh Tokens when an Access Token is issued. If Refresh Token cycling is not performed then the Refresh Token MUST NOT expire before the expiration of the sharing consented by the Customer.

From September 16th 2022 (FAPI 1.0 Migration Phase 2):

• Data Holders MUST NOT cycle refresh tokens (rotation). In other words, Refresh Tokens SHOULD be issued with an "exp" equal to the sharing duration authorised by the Customer.

Token Expiry

The expiry time for issued access tokens and refresh tokens MUST be deterministic for the Data Recipient Software Product.

In order to achieve this:

• The Data Holder MUST indicate the lifetime in seconds of the access token in the expires_in field of the JSON object returned by the token end-point (see section 4.2.2 of [OAUTH2]).
• Until September 16th 2022: The Data Holder MUST indicate the expiration time of the refresh token using the refresh_token_expires_at claim.
• From September 16th 2022 (FAPI 1.0 Migration Phase 2) Data Holders MAY retire "sharing_expires_at" and "refresh_token_expires_at" claims.

Identifiers and Subject Types

sub claim

The identifier for an authenticated end-user (subject) MUST be passed in the sub claim of an ID Token and UserInfo response as defined by [OIDC].

The Data Holder MUST generate the sub value as a Pairwise Pseudonymous Identifier (PPID) as described in section 8 of [OIDC]. Furthermore, the identifier MUST be unique per customer as per the definition of customer in the CDR Federation section of this profile.

The Data Holder MUST support the sector_identifier_uri in PPID generation according to [OIDC] if this field was supplied by the client during registration.

It is RECOMMENDED that the sub value is generated as a version 4 Universally Unique Identifier (UUID) [RFC4122].

CDR Arrangement ID

Non-normative example: Token Endpoint hydration

Request

POST /token HTTP/1.1
Host: https://data.holder.com.au
Content-Type: application/x-www-form-urlencoded

client_id=s6BhdRkqt3
&client_assertion_type=urn%3Aietf%3Aparams%3Aoauth%3Aclient-assertion-type%3Ajwt-bearer
&client_assertion=eyJhbGciOiJQUzI1NiIsInR5cCI6IkpXVCIsImtpZCI6IjEyNDU2In0.ey ...
&grant_type=refresh_token
&refresh_token=8xLOxBtZp8
&scope=openid%20profile

Response

{
  "access_token": "2YotnFZFEjr1zCsicMWpAA",
  "expires_in": 3600,
  "refresh_token": "tGzv3JOkF0XG5Qx2TlKWIA",
  "id_token": "eyJraWQiOiIxZTlnZGs3IiwiYWxnIjoiUl...",
  "cdr_arrangement_id": "02e7c9d9-cfe7-4c3e-8f64-e91173c84ecb"
}

Decoded JWT

{
  "iss": "https://data.holder.com.au",
  "sub": "a9ebbef6-1f0b-44eb-96cf-0c5b51b37ab2",
  "aud": "12345",
  "nonce": "n-0S6_WzA2Mj",
  "exp": 1311281970,
  "iat": 1311280970,
  "nbf": 1311280970,
  "auth_time": 1311280969,
  "acr": "urn:cds.au:cdr:3",
  "refresh_token_expires_at": 1311281970,
  "sharing_expires_at": 1311281970
}

Decoded JWT - FAPI 1.0 Final Phase 3 Obligation

{
  "iss": "https://data.holder.com.au",
  "sub": "a9ebbef6-1f0b-44eb-96cf-0c5b51b37ab2",
  "aud": "12345",
  "nonce": "n-0S6_WzA2Mj",
  "exp": 1311281970,
  "iat": 1311280970,
  "nbf": 1311280970,
  "auth_time": 1311280969,
  "acr": "urn:cds.au:cdr:3"
}

Non-normative example: Token Introspection Endpoint hydration

Request

POST /token/introspect HTTP/1.1
Host: https://data.holder.com.au
Content-Type: application/x-www-form-urlencoded

client_id=s6BhdRkqt3
&client_assertion_type=urn%3Aietf%3Aparams%3Aoauth%3Aclient-assertion-type%3Ajwt-bearer
&client_assertion=eyJhbGciOiJQUzI1NiIsInR5cCI6IkpXVCIsImtpZCI6IjEyNDU2In0.ey ...
&token=tGzv3JOkF0XG5Qx2TlKWIA
&token_type_hint=refresh_token

Response

{
  "active": true,
  "exp": 1311281970,
  "scope": "openid profile bank:accounts.basic:read bank:accounts.detail:read",
  "cdr_arrangement_id": "02e7c9d9-cfe7-4c3e-8f64-e91173c84ecb"
}

The CDR Arrangement ID is a unique string representing a consent arrangement between a Data Recipient Software Product and Data Holder for a given consumer.

The identifier MUST be unique per customer according to the definition of customer in the CDR Federation section of this profile.

The Data Holder MUST provide the CDR Arrangement ID as the claim cdr_arrangement_id in the Token End Point response and Token Introspection End Point response.

A Data Holder MUST only return the cdr_arrangement_id in the Token and Token Introspection End Point responses if they also support concurrent consent. This ensures that Data Recipient Software Products have a reliable way to determine whether a given Data Holder supports concurrent consent.

Statements related to the CDR Arrangement ID:

• The CDR Arrangement ID MUST be unique to a Data Holder
• The CDR Arrangement ID MUST be non-guessable and MUST NOT identify a consumer
• A CDR Arrangement ID SHOULD be generated using an algorithm that reduces the chances of collision
• A CDR Arrangement ID MUST be static across consents within the one sharing arrangement (e.g. across consent renewal and re-authorisation)

Obtaining a CDR Arrangement ID

For any existing consents, Data Holders MUST retrospectively generate a cdr_arrangement_id such that Data Recipient Software Products can obtain a valid cdr_arrangement_id for all active consents they hold.

A Data Recipient Software Product can call either the Token or Token Introspection End Points at any point post-consent to obtain the CDR Arrangement ID in the response JSON as the claim cdr_arrangement_id.

Levels of Assurance (LoAs)

Levels Of Assurance (LoAs), returned after a successful authentication MUST be represented in Single Ordinal form where a single LoA value is represented.

Single Ordinal

A Single LoA value is carried in the acr claim which is described in section 2 of [OIDC].

• An LoA of 2 is represented by the URI: urn:cds.au:cdr:2

  • The authenticator used to attain this level MUST conform with the Credential Level CL1 rules specified under the Trusted Digital Identity Framework [TDIF] Authentication Credential Requirements specification.

• An LoA of 3 is represented by the URI: urn:cds.au:cdr:3

  • The authenticators used to attain this level MUST conform with the Credential Level CL2 rules specified under the Trusted Digital Identity Framework [TDIF] Authentication Credential Requirements specification.

READ operations SHALL only be allowed where at least an LoA of 2 has been achieved during the establishment of consent.

WRITE operations SHALL only be allowed where:

• At least an LoA of 3 has been achieved during the establishment of consent, or
• At least an LoA of 2 has been achieved during the establishment of consent and a subsequent challenge/response has resulted in an LoA of 3 being achieved within the lifespan of the current Access Token.

Transaction Security

Use of TLS

All HTTP calls MUST be made using HTTPS incorporating TLS >= 1.2.

Use of MTLS

All back-channel communication between Data Recipient Software Product and Data Holder systems MUST incorporate, unless stated otherwise, [MTLS] as part of the TLS handshake:

• The presented Client transport certificate MUST be issued by the CDR Certificate Authority (CA). The Server MUST NOT trust Client transport certificates issued by other authorities.
• The presented Server transport certificate MUST be issued by the CDR Certificate Authority (CA). The Client MUST NOT trust Server transport certificates issued by other authorities.

End points for transferring CDR Data that are classified as not requiring authentication do not require the use of [MTLS].

Holder of Key Mechanism

[MTLS] MUST be supported as a Holder of Key (HoK) Mechanism.

Note that, by implication, resource requests MUST be validated to ensure the client certificate and access token match.

OAUTB SHALL NOT be supported due to a lack industry support.

[MTLS] HoK allows issued tokens to be bound to a client certificate as specified in section 3 of [MTLS].

Ciphers

Only the following cipher suites SHALL be permitted in accordance with section 8.5 of [FAPI-RW-Draft]:

• TLS_DHE_RSA_WITH_AES_128_GCM_SHA256
• TLS_ECDHE_RSA_WITH_AES_128_GCM_SHA256
• TLS_DHE_RSA_WITH_AES_256_GCM_SHA384
• TLS_ECDHE_RSA_WITH_AES_256_GCM_SHA384

Certificate Management

Issued by the Register for Data Holders

Certificate	Function	Notes
Server Certificate(s)	Certificate is issued to a FQDN Secures the following endpoints: - Resource endpoints - InfoSec endpoints - Admin endpoints	It will be up to the DH on how these endpoints are segregated. They may all be on the one domain (so only one certificate required) or could be separated.

Issued by the Register CA for Data Recipients

Certificate	Function	Notes
Client Certificate	Secures the following: - Consuming Register APIs - Consuming Data Holder APIs
Server Certificate(s)	Certificate is issued to a FQDN. Secures the following: - Revocation endpoint - CDR Arrangement Management endpoint - JWKS endpoint	ADRs may choose to secure their endpoints with an the Register CA issued certificate or a certificate issued by a public CA.

CDR Certificate Authority

DigiCert acts as the certificate authority that issues and manages certificates to CDR participants as directed by the the Register in its capacity as the CDR Registrar.

Certificate Trust Model

The CDR utilises a private certificate trust chain for all Register CA secured endpoints being hosted by Data Holders, Data Recipients and the Register.

This trust chain encompasses a set of root and intermediate CAs issued for the test and production environments.

Test Environment	CA Root Test CA Intermediate Test
Production Environment	CA Root Production CA Intermediate Production

Certificate Signing Request Profile

When requesting the Register CA certificates, certificate signing requests will need to be provided, conforming to the following profile:

CSR Field	Server	Client
Common Name	Primary DNS Name e.g. api1.test.entity.com	Software Product Name OR Brand Name
SAN (Optional)	Secondary DNS Name(s) e.g. api2.test.entity.com	N/A
Organization	Brand Name (Legal Entity Name)	Brand Name (Legal Entity Name)
Organizational Unit	Consumer Data Right	Consumer Data Right
Country	Country of participant e.g. AU	Country of participant e.g. AU
Signature Algorithm	SHA256	SHA256
Key Algorithm	RSA	RSA
Key Size	2048	2048

Please refer to the Register onboarding guide for further information on certificate issuance.

Certificate Usage

Further details on the Register CA issued certificates can be found in the ACCC Certificate Practice Statement V1.0.

Certificate Validation

Certificate validation must check:

1. Checking for certificate validity

Verify private key signature is mathematically linked to the presented public key certificate, presented certificate identifies trusted User/Application and/or Service and certificate is both valid and not revoked.

2. Issuer‐to‐subject name chaining

Signatures from Issuing CA’s and associated CA public key certificates are trusted, valid and not revoked.

3. Policy and key use constraints

Each certificate has the applicable and appropriate x.509 certificate extensions, e.g. CA and CRL signing, Digital Signing, Client and Server Authentication, etc.

4. Revocation Status

Status is checked through Certificate Revocation Lists (CRL) or Online Certificate Status Protocol (OCSP) responders, identified in each certificate in the chain.

The Certificate Practice Statement provides details for DigiCert's certificate validation requirements and a summary has been provided in the CDR Support Portal article: Certificate Validation.

OCSP stapling

The use of OCSP Stapling within the CDR ecosystem is not recommended.

CORS

Cross-origin resource sharing (CORS) protections must be disabled (ie. Access-Control-Allow-Origin set to "*") for all unauthenticated end points unless specifically stated otherwise in these standards or in a normative reference.

Request Object

Non-Normative Example - acr as an Essential Claim

#Decoded Request Object JWT

{
  "iss": "s6BhdRkqt3",
  "exp": 1516239322,
  "aud": "https://www.recipient.com.au",
  "response_type": "code id_token",
  "client_id": "s6BhdRkqt3",
  "redirect_uri": "https://www.recipient.com.au/coolstuff",
  "scope": "openid profile bank:accounts.basic:read
            bank:accounts.detail:read",
  "nonce": "n-0S6_WzA2Mj",
  "state": "af0ifjsldkj",
  "claims": {
    "sharing_duration": 7776000,
    "cdr_arrangement_id": "02e7c9d9-cfe7-4c3e-8f64-e91173c84ecb",
    "id_token": {
      "acr": {
        "essential": true,
        "values": ["urn:cds.au:cdr:3"]
      }
    },
    "userinfo": {
      "given_name": null,
      "family_name": null
    }
  }
}

Non-Normative Example - FAPI 1.0 Final Phase 3 Obligation

#Decoded Request Object JWT

{
  "iss": "s6BhdRkqt3",
  "exp": 1680832800,
  "nbf": 1680829200,
  "aud": "https://www.recipient.com.au",
  "response_type": "code",
  "client_id": "s6BhdRkqt3",
  "redirect_uri": "https://www.recipient.com.au/coolstuff",
  "scope": "openid profile bank:accounts.basic:read
            bank:accounts.detail:read",
  "nonce": "n-0S6_WzA2Mj",
  "state": "af0ifjsldkj",
  "claims": {
    "sharing_duration": 7776000,
    "cdr_arrangement_id": "02e7c9d9-cfe7-4c3e-8f64-e91173c84ecb",
    "id_token": {
      "acr": {
        "essential": true,
        "values": ["urn:cds.au:cdr:3"]
      }
    },
    "userinfo": {
      "given_name": null,
      "family_name": null
    }
  },
  "code_challenge": "ZTA2ZmFkYjUyMjA2NDNhZGVkYzE1M2I5OTYzZDAxNGI2NWNiZjAxMzVhNDlmMTk2NTlmZWE0OWVhOTQxZjhmZg==",
  "code_challenge_method": "S256"
}

The Request Object is a signed and encoded JWT specified in section 6.1 of [OIDC]. As per [FAPI-RW-Draft] section 5.2.2, the request parameter MUST be present on requests to the [OIDC] Hybrid Authorisation End Point. The Request Object enables [OIDC] requests to be passed in a single and self-contained parameter.

Request Objects MUST be signed by Data Recipient Software Products as specified in section 8.6 of [FAPI-RW-Draft].

Request Object references MUST be supported if the Data Holder supports Pushed Authorisation Requests (PAR).

Requesting Sharing Duration

To facilitate the specification of the duration for consent to share CDR data that is approved by the consumer, a mechanism for the Data Recipient Software Product to specify a sharing duration to the Data Holder is required.

To accomplish this, the Data Holder MUST support an additional claim in the authorisation request object named sharing_duration. The sharing_duration claim MUST be handled as follows:

• The sharing_duration parameter is a number
• The value of the sharing_duration parameter will contain the requested duration for sharing, in seconds.
• If the sharing_duration value exceeds one year then a duration of one year will be assumed.
• If the sharing_duration value is less than or equal to 24 hours, then one-time collection will be assumed, and a Refresh Token SHOULD be provided by the Data Holder
• If the sharing_duration value is zero or absent then once off access will be assumed and only an Access Token (without a Refresh Token) will be provided on successful authorisation.
• If a Refresh Token is issued for one-time collection the Data Recipient Software Product MUST call the Data Holder’s revocation endpoint after successful collection of the CDR data.
• If the sharing_duration value is negative then the authorisation SHOULD fail.

Note that the period of one year in the above statements SHOULD be interpreted as 365, 24 hour days (or 31,536,000 seconds).

The Data Recipient Software Product is able to obtain the expiration of sharing via the sharing_expires_at claim.

Specifying an existing arrangement

Provided a Data Holder supports PAR, they MUST also support the cdr_arrangement_id claim provided in the Request Object sent to the PAR End Point. The Data Recipient Software Product MAY provide the cdr_arrangement_id claim in the Request Object sent to the PAR End Point.

If a Data Recipient Software Product provides the cdr_arrangement_id claim in the request object to the Data Holder's PAR End Point, the Data Holder MUST revoke any existing tokens related to the arrangement once the new consent is successfully established and a new set of tokens has been provided to the Data Recipient Software Product.

Request Object Submission

In addition:

• Request Object references SHALL NOT be supported in any mode of use other than [PAR]. If a Data Holder does not support [PAR], it MUST NOT support Request Object references.
• The Request URI is intended to be a single-use reference to the respective request object.
• The Request URI MUST expire between 10 seconds and 90 seconds
• Data Recipient Software Products MAY provide an existing cdr_arrangement_id claim in an authorisation request object to establish a new consent under an existing arrangement
• Data Holders MUST revoke existing refresh tokens and access tokens when a cdr_arrangement_id is provided in the Request Object but only after successful authorisation
• If the cdr_arrangement_id is not related to the consumer being authenticated it MUST be rejected
• If the cdr_arrangement_id is not recognised by to the Data Holder it MUST be rejected

Data Holders

Data Holders MUST support Pushed Authorisation Requests (PAR) via the pushed authorisation end point according to [PAR].

From July 4th 2022 (FAPI 1.0 Migration Phase 1), the following requirements apply:

• Data Holders SHOULD support [RFC9126].
• Data Holders, if [RFC9126] is supported, MUST use [PKCE] and "code_challenge_methods_supported" as defined in [RFC8414] with S256 as the code challenge method.
• Data Holders SHOULD reject the reuse of "request_uri" values.
• Data Holders SHOULD reject authorisation request containing "request" parameter.
• Data Holders MAY require [RFC9126] (PAR) using "require_pushed_authorization_requests" set to "true" in accordance with section 5 of [RFC9126].
• Data Holders that do not support [PKCE] MUST ignore PKCE claims and MUST NOT reject clients sending PKCE claims.

From September 16th 2022 (FAPI 1.0 Migration Phase 2), the following requirements apply in addition to the FAPI 1.0 Migration Phase 1 requirements:

• Data Holders MUST support [RFC9126] (PAR) using [PKCE] ([RFC7636]) with S256 as the code challenge method in accordance with [FAPI-1.0-Advanced] section 5.2.2.
• Data Holders MUST require PAR for authorisation request data in accordance with [RFC9126] where "require_pushed_authorization_requests" parameter is set to "true".
• Data Holders MUST require the request object to contain an "exp" claim that has a lifetime of no longer than 60 minutes after the "nbf" claim in accordance with [FAPI-1.0-Advanced] section 5.2.2.
• Authorisation request data MUST only be accepted using PAR.
• Data Holders MUST reject authorisation request containing "request" parameter
• Data Holders MUST reject the reuse of "request_uri" values.

Data Recipient Software Products

Data Recipient Software Products MAY send authorisation requests using [PAR] if supported by the Data Holder.

Request objects which contain the cdr_arrangement_id claim MUST ONLY be sent using PAR.

From July 4th 2022 (FAPI 1.0 Migration Phase 1), the following requirements apply:

• Data Recipient Software Products SHOULD ONLY send authorisation requests using PAR in accordance with section 5.2.3 of [FAPI-1.0-Advanced].
• Data Recipients MUST only send request object data using PAR, and MUST NOT send request object data to the Data Holder's Authorization endpoint, if the Data Holder's "require_pushed_authorization_requests" parameter is set to "true".
• Data Recipients Software Products SHOULD support [PKCE] ([RFC7636]) and, if supported, MUST use S256 as the code challenge method.
• Data Recipients Software Products MUST send request object containing a "nbf" claim and an "exp" claim that has a lifetime of no longer than 60 minutes after the "nbf" claim.
• Data Recipient Software Products MUST ONLY use a "request_uri" value once

From September 16th 2022, the following requirements apply in addition to the FAPI 1.0 Migration Phase 1 requirements:

• Data Recipients MUST ONLY send authorisation request data using [RFC9126] (PAR) and use [PKCE] ([RFC7636]) in accordance with [FAPI-1.0-Advanced].
• Data Recipients Software Products MUST support [PKCE] ([RFC7636]) and MUST use S256 as the code challenge method.

Security Endpoints

OpenID Provider Configuration End Point

Non-Normative Example

## Request

GET /.well-known/openid-configuration HTTP/1.1
Host: www.dh.com.au

## Response - FAPI 1.0 Final Phase 3 Obligations

HTTP/1.1 200 OK
Content-Type: application/json
{
  "issuer": "https://www.dh.com.au",
  "authorization_endpoint": "https://www.dh.com.au/authorise",
  "token_endpoint": "https://www.dh.com.au/token",
  "introspection_endpoint": "https://www.dh.com.au/introspect",
  "revocation_endpoint": "https://www.dh.com.au/revoke",
  "userinfo_endpoint": "https://www.dh.com.au/userinfo",
  "registration_endpoint": "https://www.dh.com.au/register",
  "jwks_uri": "https://www.dh.com.au/jwks",
  "scopes_supported": ["openid", "profile", "..."],
  "response_types_supported": ["code id_token", "code"],
  "response_modes_supported": ["fragment", "jwt"],
  "grant_types_supported": ["authorization_code", "client_credentials", "urn:openid:params:modrna:grant-type:backchannel_request"],
  "acr_values_supported": ["urn:cds.au:cdr:2","urn:cds.au:cdr:3"],
  "subject_types_supported": ["pairwise"],
  "id_token_signing_alg_values_supported": ["ES256", "PS256"],
  "id_token_encryption_alg_values_supported": [ "RSA-OAEP", "RSA-OAEP-256", "dir", "ECDH-ES", "ECDH-ES+A128KW", "ECDH-ES+A192KW", "ECDH-ES+A256KW", "A128KW", "A192KW", "A256KW", "A128GCMKW", "A192GCMKW", "A256GCMKW" ],
  "id_token_encryption_enc_values_supported": [ "A128CBC-HS256", "A192CBC-HS384", "A256CBC-HS512", "A128GCM", "A192GCM", "A256GCM" ],
  "cdr_arrangement_revocation_endpoint": "https://data.holder.com.au/arrangements/revoke",
  "pushed_authorization_request_endpoint": "https://data.holder.com.au/par",
  "request_object_signing_alg_values_supported": ["ES256", "PS256"],
  "token_endpoint_auth_methods_supported": ["private_key_jwt"],
  "tls_client_certificate_bound_access_tokens": true,
  "claims_supported": ["name", "given_name", "family_name", "acr", "auth_time", "sub", "refresh_token_expires_at", "sharing_expires_at"],
  "require_pushed_authorization_requests": true,
  "code_challenge_methods_supported": "S256",
  "authorization_signing_alg_values_supported": ["ES256", "PS256"],
  "authorization_encryption_alg_values_supported": ["RSA-OAEP", "RSA-OAEP-256"],
  "authorization_encryption_enc_values_supported": ["A256GCM", "A128CBC-HS256"]
}

Description	Value
Hosted By	Data Holder
Transport Security	TLS
Client Authentication Required	No
Bearer Token Required	No

Data Holders MUST make their OpenID Provider Metadata available via a configuration end point as outlined in Section 3 and 4 of the OpenID Connect Discovery standards [OIDD].

At a minimum, the Data Holder metadata MUST include:

• issuer: URL that the Data Holder asserts as its Issuer Identifier.
• authorization_endpoint: URL of the Authorization End Point.
• token_endpoint: URL of the Token End Point.
• introspection_endpoint: URL of the Introspection End Point.
• revocation_endpoint: URL of the Revocation End Point.
• userinfo_endpoint: URL of the UserInfo End Point.
• registration_endpoint: URL of the Client Registration End Point.
• scopes_supported: This list of supported scopes.
• claims_supported: The list of supported claims.
• acr_values_supported: The supported ACR values.
• jwks_uri: The JSON Web Key Set for the data holder.
• id_token_encryption_alg_values_supported: The list of the supported JWE algorithms for securing the issued ID tokens. Must conform to [FAPI-RW-Draft] and [OIDD]. Required for Data Holders supporting OIDC Hybrid Flow.
• id_token_encryption_enc_values_supported: The list of the supported JWE encryption methods for securing the issued ID tokens. Required for Data Holders supporting OIDC Hybrid Flow.
• cdr_arrangement_revocation_endpoint: The URL of the CDR Arrangement Revocation End Point for consent revocation
• pushed_authorization_request_endpoint: URL of the Pushed Authorisation End Point used to support [PAR].
• authorization_signing_alg_values_supported: A JSON array containing a list of the JWS signing algorithms (alg values) supported by the authorization endpoint to sign the response. Required if Authorization Code Flow (response_type “code”) is supported.
• authorization_encryption_alg_values_supported: A JSON array containing a list of the JWE encryption algorithms (alg values) supported by the authorization endpoint to encrypt the response. If response encryption is used, Data Holders must support at least one of "RSA-OAEP" or "RSA-OAEP-256".
• authorization_encryption_enc_values_supported: A JSON array containing a list of the JWE encryption algorithms (enc values) supported by the authorization endpoint to encrypt the response. Required if “authorization_encryption_alg_values_supported” is provided. If response encryption is used, Data Holders must support at least one of "A256GCM" or "A128CBC-HS256".

Authorisation End Point

Non-Normative Example
This example demonstrates how an ADR may send an authorisation request object by value in the front-channel to the Data Holder.

## Request

GET /authorise?
   response_type=code%20id_token&client_id=12345&
   scope=openid%20profile%20bank:accounts.basic:read%20bank:accounts.detail:read&
   request=eyJhbGciOiJQUzI1NiIsInR5cCI6IkpXVCIsImtpZCI6IjEyMyJ9.ey ...
HTTP/1.1
Host: www.holder.com.au

## Decoded request JWT
{
  "alg": "PS256",
  "typ": "JWT",
  "kid": "123"
}
{
  "iss": "12345",
  "exp": 1516239322,
  "aud": "https://www.recipient.com.au",
  "response_type": "code id_token",
  "client_id": "12345",
  "redirect_uri": "https://www.recipient.com.au/coolstuff",
  "scope": "openid profile bank:accounts.basic:read bank:accounts.detail:read",
  "state": "af0ifjsldkj",
  "nonce": "n-0S6_WzA2Mj",
  "claims": {
    "sharing_duration": 7776000,
    "userinfo": {
      "given_name": {"essential": true},
      "family_name": null
    },
    "id_token": {
      "acr": {
        "essential": true,
        "values": ["urn:cds.au:cdr:2"]
      },
      "refresh_token_expires_at": {
        "essential": true
      },
      "sharing_expires_at": {
        "essential": true
      }
    }
  }
}

Non-Normative Example - FAPI 1.0 Final Phase 3 Obligation This example demonstrates how an ADR may send a staged authorisation request (using PAR) in the back-channel to the Data Holder.

It demonstrates a FAPI 1.0 Final compliant authorisation request using the PAR to first submit the authorisation request object.

## Request

GET /authorize?client_id=12345&
     scope=openid&
     request_uri=urn%3Aietf%3Aparams%3Aoauth%3Arequest_uri%3A6esc_11ACC5bwc014ltc14eY22c
HTTP/1.1
Host: www.holder.com.au

Description	Value
Hosted By	Data Holder
Transport Security	TLS
Client Authentication Required	No
Bearer Token Required	No

The requirements for the Authorisation End Point are specified in section 3.3.2 of [OIDC] and further specified under section 5.2.2 of [FAPI-RW-Draft]. This end point is invoked as part of the Hybrid Authentication flow.

JSON Web Key Set End Point

Description	Value
Hosted By	Data Holder & Data Recipient Software Product
Transport Security	TLS
Client Authentication Required	No
Bearer Token Required	No

The requirements for the JWKS End Point are specified in various sections of [OIDC].

This end point is used by the Data Holder to provide the public keys they will use when required.

Data Holders MUST support a JWKS End Point.

JWKS URIs

In addition to [FAPI-1.0-Advanced] section 8.9 from July 4th 2022, the following requirements apply:

• Data Holders and Data Recipients JWK sets MUST NOT contain multiple keys with the same "kid"

Token End Point

Description	Value
Hosted By	Data Holder
Transport Security	MTLS
Client Authentication Required	Yes
Bearer Token Required	No

The requirements for the Token End Point are specified in section 3.3.3 of [OIDC].

To obtain an Access Token, an ID Token, and a Refresh Token, the Data Recipient Software Product sends a Token Request to the Token End Point.

Data Holders MUST support a Token End Point.

UserInfo End Point

Description	Value
Hosted By	Data Holder
Transport Security	MTLS
Client Authentication Required	No
Bearer Token Required	Yes

The requirements for the UserInfo End Point are specified in section 5.3 of [OIDC].

Data Holders MUST support a UserInfo End Point.

Introspection End Point

Description	Value
Hosted By	Data Holder
Transport Security	MTLS
Client Authentication Required	Yes
Bearer Token Required	No

Data Holders MUST implement an Introspection End Point to allow Data Recipient Software Products to determine the status and expiry date of Refresh Tokens. The requirements for an Introspection End Point are described in section 2 of [RFC7662].

Introspection of Refresh Tokens MUST be supported.

Introspection of Access Tokens and ID Tokens MUST NOT be supported.

A Token Introspection End Point Response SHALL include, at least, the following fields:

• active: Boolean indicator of whether or not the presented token is currently active.
• exp: A JSON number representing the number of seconds from 1970-01-01T00:00:00Z to the UTC expiry time.
• scope: A JSON string containing a space-separated list of scopes associated with this token.
• cdr_arrangement_id: A unique identifier of the CDR arrangement related to the authorisation.

A Token Introspection End Point Response MAY include claims defined in Section 2.2 of [RFC7662] but username SHALL NOT be allowed.

Token Revocation End Point

Description	Value
Hosted By	Data Holder
Transport Security	MTLS
Client Authentication Required	Yes
Bearer Token Required	No

Requirements for Data Holder implementations

Data Holders MUST implement a Token Revocation End Point as described in section 2 of [RFC7009].

The Revocation End Point serves as a revocation mechanism that allows a Data Recipient Software Product to invalidate its tokens as required to allow for token clean up.

Revocation of Refresh Tokens and Access Tokens MUST be supported.

CDR Arrangement Revocation End Point

Non-Normative Example: Data Holder end point
(Data Recipients calling Data Holders)
Request

POST https://data.holder.com.au/arrangements/revoke
HTTP/1.1
Host: data.holder.com.au
Content-Type: application/x-www-form-urlencoded

  client_id=s6BhdRkqt3&
  client_assertion_type=urn%3Aietf%3Aparams%3Aoauth%3Aclient-assertion-type%3Ajwt-bearer&
  client_assertion=eyJhbGciOiJQUzI1NiIsInR5cCI6IkpXVCIsImtpZCI6IjEyNDU2In0.ey ...&
  cdr_arrangement_id=5a1bf696-ee03-408b-b315-97955415d1f0

Description	Value
Hosted By	Data Holder & Data Recipient Software Product
Transport Security	MTLS for Data Holders, TLS for Data Recipient Software Products
Client Authentication Required	Yes (for Data Holders verifying Data Recipient Software Products)
Bearer Token Required	Yes (for Data Recipient Software Products verifying Data Holders)

HTTP Method: POST
Data Holder Path: The cdr_arrangement_revocation_endpoint defined using OIDC Discovery
Data Recipient Software Product Path: <RecipientBaseUri>/arrangements/revoke where <RecipientBaseUri> is registered with the CDR Register.

Data Holders and Data Recipient Software Products MUST implement a CDR Arrangement Revocation End Point that can be used to revoke an existing sharing arrangement.

CDR Arrangement Form Parameter method

The request MUST include the following parameters using the application/x-www-form-urlencoded format in the HTTP request entity-body:

• cdr_arrangement_id: The ID of the arrangement that the client wants to revoke.

CDR Arrangement JWT method

The request MUST include the following parameters using the application/x-www-form-urlencoded format in the HTTP request entity-body:

• cdr_arrangement_jwt: A signed JWT that includes the cdr_arrangement_id.
• cdr_arrangement_jwt: A newly signed JWT with the following parameters in accordance with [JWT]:
  • cdr_arrangement_id: The ID of the arrangement that the client wants to revoke.

The cdr_arrangement_jwt SHOULD include all parameters in accordance with Data Holders calling Data Recipients using Self-Signed JWT Client Authentication.

Data Holder hosted endpoint

The location of the Data Holder CDR Arrangement Revocation End Point is determined by the cdr_arrangement_revocation_endpoint in the Data Holder's OpenID Provider metadata.

This end point will be implemented according to the following:

• Data Holders MUST only support "CDR Arrangement Form Parameter" method
• Data Recipient Software Products MUST revoke consent by calling the CDR Arrangement Revocation End Point with a valid CDR Arrangement ID
• Data Holders MUST publish their CDR Arrangement Revocation End Point using their OpenID Provider Metadata Discovery End Point
• Consent revocation MUST also revoke associated refresh and/or access tokens
• If the cdr_arrangement_id is not related to the client making the call it MUST be rejected

Non-Normative Example: Data Recipient end point
Until July 31st 2022
(Data Holders calling Data Recipients)
Request

POST https://data.recipient.com.au/arrangements/revoke
HTTP/1.1
Host: data.recipient.com.au
Content-Type: application/x-www-form-urlencoded
Authorization: Bearer eyJhbGciOiJQUzI1NiIsInR5cCI6IkpXVCIsImtpZCI6IjEyNDU2In0.ey ...

  cdr_arrangement_id=5a1bf696-ee03-408b-b315-97955415d1f0

Non-Normative Example: Data Recipient end point
From March 31st 2022
(Data Holders calling Data Recipients)
Request

POST https://data.recipient.com.au/arrangements/revoke
HTTP/1.1
Host: data.recipient.com.au
Content-Type: application/x-www-form-urlencoded
Authorization: Bearer eyJhbGciOiJQUzI1NiIsInR5cCI6IkpXVCIsImtpZCI6IjEyNDU2In0.ey ...

  cdr_arrangement_id=5a1bf696-ee03-408b-b315-97955415d1f0&
  cdr_arrangement_jwt=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiIsImtpZCI6IjEyNDU2In0.ey ...

## Decoded cdr_arrangement_jwt JWT
{
  "typ": "JWT",
  "alg": "PS256",
  "kid":"12456"
}
{
  "cdr_arrangement_id": "5a1bf696-ee03-408b-b315-97955415d1f0",
  "iss":"dataholderbrand-123",
  "sub":"dataholderbrand-123",
  "aud":"https://data.recipient.com.au/arrangements/revoke",
  "iat":1516239022,
  "exp":1516239322,
  "jti":"dba86502-7cf5-4719-9638-c5339a0ddb06"
}

Data Recipient hosted endpoint

The location of the Data Recipient Software Product CDR Arrangement Revocation End Point is determined by the RecipientBaseURI provided by the Data Recipient Software Product in the client Software Statement Assertion (SSA).

This end point will be implemented according to the following:

• Data Recipient Software Products MUST expose their CDR Arrangement Revocation End Point under their recipient_base_uri published in their Software Statement Assertion.
• Data Holders must be authenticated when they call this end point according to the guidance in the Client Authentication section.
• If the cdr_arrangement_id is not related to the client making the call it MUST be rejected.
• From March 31st 2022, Data Recipients MUST support the "CDR Arrangement JWT" method.
• From July 31st 2022, Data Holders MUST send the cdr_arrangement_id using the "CDR Arrangement JWT" method.
• Data Holders MAY additionally send a duplicate of the cdr_arrangement_id as a form parameter.
• Data Recipient Software Products MUST NOT reject requests including the cdr_arragement_id as a form parameter.
• If the cdr_arrangement_id is presented as a form parameter, Data Recipient Software Products SHOULD validate it is identical to the cdr_arrangement_id presented in the "CDR Arrangement JWT".
• From November 15th 2022, if the cdr_arrangement_id is presented as a form parameter, Data Recipient Software Products MUST validate it is identical to the cdr_arrangement_id presented in the "CDR Arrangement JWT".
• From November 15th 2022, if the Self-Signed JWT claims are presented in the "CDR Arrangement JWT", Data Recipient Software Products MUST validate in accordance with Data Holders calling Data Recipients using Self-Signed JWT Client Authentication.

Response Codes

The following responses are in addition to error responses covered by normative references. Error scenarios in the following table MUST use the error structure defined in the Payload Conventions.

Response Code	Situation	Description
204 No Content	Success	The sharing arrangement has been revoked successfully
422 Unprocessable Entity	Invalid Arrangement ID	The client submitted an invalid arrangement identifier or the identifier could not be found. The server MUST respond with Invalid Consent Arrangement.

Revoking consent

Data Recipient Software Products MUST use the Data Holder's CDR Arrangement Revocation End Point with a valid cdr_arrangement_id to notify the Data Holder when consent is revoked by the consumer via the Data Recipient Software Product.

Data Holder's MUST use the Data Recipient Software Product's CDR Arrangement Revocation End Point with a valid cdr_arrangement_id to notify the Data Recipient Software Product when consent is revoked by the consumer via the Data Holder.

Pushed Authorisation End Point

Non-Normative Example
Utilising PAR Draft 01 specification and OIDC Hybrid Flow

Request

POST /par HTTP/1.1
     Host: data.holder.com.au
     Content-Type: application/x-www-form-urlencoded

request=eyJhbGciOiJQUzI1NiIsInR5cCI6IkpXVCIsImtpZCI6IjEyMyJ9.ey...

Decoded Request
This example shows an authorisation request using the OIDC Hybrid Flow

{
  "iss": "s6BhdRkqt3",
  "exp": 1516239322,
  "aud": "https://www.recipient.com.au",
  "response_type": "code id_token",
  "client_id": "s6BhdRkqt3",
  "redirect_uri": "https://www.recipient.com.au/coolstuff",
  "scope": "openid profile bank:accounts.basic:read
            bank:accounts.detail:read",
  "nonce": "n-0S6_WzA2Mj",
  "state": "af0ifjsldkj",
  "claims": {
    "sharing_duration": 7776000,
    "cdr_arrangement_id": "02e7c9d9-cfe7-4c3e-8f64-e91173c84ecb",
    "id_token": {
      "acr": {
        "essential": true,
        "values": ["urn:cds.au:cdr:3"]
      }
    },
    "userinfo": {
      "given_name": null,
      "family_name": null
    }
  }
}

Response

HTTP/1.1 201 Created
Content-Type: application/json
Cache-Control: no-cache, no-store
{
  "request_uri": "urn:data.holder.com.au:bwc4JK-ESC0w8acc191e-Y1LTC2",
  "expires_in": 3600
}

Authorise

## The request_uri is used by the ADR in the subsequent authorisation request as follows
## (note this example is pre-RFC using Draft 01 of the PAR standard, hence it includes
## the mandatory oAuth parameters as per FAPI R/W for confidential clients must be
## replayed in the request URL):

GET /authorise?client_id=s6BhdRkqt3&
   response_type=code%20id_token&
   scope=openid%20profile%20bank:accounts.basic:read%20bank:accounts.detail:read&
   request_uri=urn%3Adata.holder.com.au%3Abwc4JK-ESC0w8acc191e-Y1LTC2
HTTP/1.1
Host: data.holder.com.au

Non-Normative Example - FAPI 1.0 Final Phase 3 Obligations
Utilising FAPI 1.0 Final, PAR RFC9126, PKCE, JARM and Authorization Code Flow

Request

POST /par HTTP/1.1
     Host: data.holder.com.au
     Content-Type: application/x-www-form-urlencoded

request=eyJhbGciOiJQUzI1NiIsInR5cCI6IkpXVCIsImtpZCI6IjEyMyJ9.ey...

Decoded Request - FAPI 1.0 Final Phase 3 Obligation
This example shows an authorisation request using the Authorisation Code Flow (FAPI 1.0 migration Phase 3)

{
  "iss": "s6BhdRkqt3",
  "exp": 1680832800,
  "nbf": 1680829200,
  "aud": "https://www.recipient.com.au",
  "response_type": "code",
  "client_id": "s6BhdRkqt3",
  "redirect_uri": "https://www.recipient.com.au/coolstuff",
  "scope": "openid profile bank:accounts.basic:read
            bank:accounts.detail:read",
  "nonce": "n-0S6_WzA2Mj",
  "state": "af0ifjsldkj",
  "claims": {
    "sharing_duration": 7776000,
    "cdr_arrangement_id": "02e7c9d9-cfe7-4c3e-8f64-e91173c84ecb",
    "id_token": {
      "acr": {
        "essential": true,
        "values": ["urn:cds.au:cdr:3"]
      }
    },
    "userinfo": {
      "given_name": null,
      "family_name": null
    }
  },
  "code_challenge": "ZTA2ZmFkYjUyMjA2NDNhZGVkYzE1M2I5OTYzZDAxNGI2NWNiZjAxMzVhNDlmMTk2NTlmZWE0OWVhOTQxZjhmZg==",
  "code_challenge_method": "S256"
}

Response - FAPI 1.0 Final Phase 3 Obligation

HTTP/1.1 201 Created
Content-Type: application/json
Cache-Control: no-cache, no-store
{
  "request_uri": "urn:data.holder.com.au:bwc4JK-ESC0w8acc191e-Y1LTC2",
  "expires_in": 3600
}

Authorise - FAPI 1.0 Final Phase 3 Obligation

## This is used by the ADR in the subsequent authorisation request as follows
## (this example uses PAR RFC 9126 and Authorization Code Flow):

GET /authorise?client_id=s6BhdRkqt3&
   request_uri=urn%3Adata.holder.com.au%3Abwc4JK-ESC0w8acc191e-Y1LTC2
HTTP/1.1
Host: data.holder.com.au

Authorisation response using JARM response encryption - FAPI 1.0 Final Phase 3 Obligation

eyJraWQiOiIwZWQ3YTNkZi1hMGJlLTRhZjQtOTk0YS1jNDBhODc0ODQwNjMiLCJhbGciOiJQUzI1NiJ9.eyJhdWQiOiIxMjM0NSIsImNvZGUiOiJpMVdzUm4xdUIxIiwiaXNzIjoiaHR0cHM6Ly9kYXRhLmhvbGRlci5jb20uYXUvIiwic3RhdGUiOiJhZjBpZmpzbGRraiIsImV4cCI6MTY2NzI2ODAwMH0.flBD3bTUHUFiNMbfgt-Uqt4wnEFHY79QYx0f9qrqPGPZLB-RBb-F20aPTyB9XaJ1JJ3ie1m0YxdMC7t6aiXSchZZQXBmYpIjvlbTceOVBYlr88llqeLAfQ5nCDD4p2axqyedpA83OgPF8i_Ngw0oRsCwBTueo6C40wYeI3ZT_n0hucQqGHcSoR1im7IY1rY0x99EZjJI3pxVtGwst6e-msomipnYedCdkNuPHE_Rnj0g897zi_NdK6m3dhxcpwaoMXcaYfMkkkzTlbz5_Ic9lWMx_z01C2wRNjRBArEJsNXW0Q8Vdhk_vtOAmO92Pr3cI8BpTr5KdY2O1iD-yRnkug

## Decoded Response
{
  "kid": "0ed7a3df-a0be-4af4-994a-c40a87484063",
  "alg": "PS256"
}
{
  "aud": "12345",
  "code": "i1WsRn1uB1",
  "iss": "https://data.holder.com.au/",
  "state": "af0ifjsldkj",
  "exp": 1667268000
}

Description	Value
Hosted By	Data Holder
Transport Security	MTLS
Client Authentication Required	Yes
Bearer Token Required	No

Data Holders MUST support Pushed Authorisation Requests (PAR) via the pushed authorisation end point according to [PAR].

Data Recipient Software Products MAY send authorisation requests using [PAR] if supported by the Data Holder.

The Data Holder response provides the Data Recipient Software Product with a Request URI in the response. The Request URI is then passed to the Data Holder’s Authorisation End Point to initiate an authorisation flow.

Dynamic Client Registration Endpoints

Data Holders MUST expose the following endpoints in accordance with [DCR].

For more details of these endpoints see the DCR APIs section.

For additional statements on the operation of these endpoint during client registration see the Client Registration section.

HTTP Verb	Auth Server Support	TLS-MA	HoK	Grant Type	Access Token Scope
POST /register	Required			N/A	None
GET /register/{clientID}	Required			Client Credentials	cdr:registration
PUT /register/{clientID}	Required			Client Credentials	cdr:registration
DELETE /register/{clientID}	Optional			Client Credentials	cdr:registration

Additional statements regarding these endpoints:

• During registration management requests, Data Holders MUST validate that the scope of access tokens provided includes cdr:registration
• Registration requests and responses must conform to the specification in the DCR APIs section.
• Any fields the Data Holder does not support MUST be ignored without error.
• Registrations MUST only be updated via a PUT operation on the registration endpoint
• POST and PUT operations MUST accept the SSA payload
• Update (PUT) operations are to be used for one of two scenarios:
  1. The client has updated their registration details on the CDR Register and updates this information to the data holder brands
  2. A new version of the SSA has been released and the client updates this information to the data holder brands

Register Endpoints

The CDR Register exposes an OIDC Configuration Endpoint with associated JWKS and token endpoints to facilitate issuance of access tokens to consume the protected Register APIs.

Retrieve CDR Register OIDC Discovery Endpoint

GET /.well-known/openid-configuration HTTP/1.1
Host: cdr.register

## Response
{
    "issuer": "https://cdr.register/idp",
    "jwks_uri": "https://cdr.register/idp/.well-known/openid-configuration/jwks",
    "token_endpoint": "https://cdr.register/idp/connect/token",
    "claims_supported": ["sub"],
    "id_token_signing_alg_values_supported": ["PS256"],
    "subject_types_supported": ["public"],
    "scopes_supported": ["cdr-register:bank:read"],
    "response_types_supported": ["token"],
    "grant_types_supported": ["client_credentials"],
    "token_endpoint_auth_methods_supported": ["private_key_jwt"],
    "tls_client_certificate_bound_access_tokens": true,
    "request_object_signing_alg_values_supported": ["PS256"]
}

Participant Endpoints

OIDC Discovery Configuration Endpoint

<InfoSecBaseUri>/.well-known/openid-configuration

Participants will be required to register base URIs against each of their brands to facilitate the implementation of the Consumer Data Standards

Base URI	DH Brand	ADR Brand	Description
PublicBaseUri			Base URI for the Consumer Data Standard public endpoints. This should encompass all endpoints not requiring authentication
ResourceBaseUri			Base URI for the Consumer Data Standard resource endpoints. This should encompass all CDS resource endpoints requiring authentication
InfoSecBaseUri			Base URI for the Consumer Data Standard InfoSec endpoints. This provides ADRs reference to the OIDC Discovery Endpoint
AdminBaseUri			Base URI for the Consumer Data Standard admin endpoints called by the CDR Register
ExtensionBaseUri			Base URI for the Data Holder extension endpoints to the Consumer Data Standard (optional)
RevocationUri			Used for consent withdrawal notification from a Data Holder and is populated in the SSA
RecipientBaseUri			Base URI for the Consumer Data Standard Data Recipient Software Product endpoints. This should be the base to provide reference to Data Recipient Endpoints
JwksUri			DH: Used for client authentication for DH -> DRSP communication and is populated in the GetDataHolderBrands API DR: Used for client authentication for DRSP -> DH & Register communication and is populated in the SSA

DCR APIs

This specification defines the APIs for Data Holders exposing Dynamic Client Registration endpoints.

DCR OpenAPI Specification (JSON)

DCR OpenAPI Specification (YAML)

Updated DCR field types to use Common Field Types

Register Data Recipient oAuth Client

Code samples

POST https://data.holder.com.au/register HTTP/1.1
Host: data.holder.com.au
Content-Type: application/jwt
Accept: application/json

var headers = {
  'Content-Type':'application/jwt',
  'Accept':'application/json'

};

$.ajax({
  url: 'https://data.holder.com.au/register',
  method: 'post',

  headers: headers,
  success: function(data) {
    console.log(JSON.stringify(data));
  }
})

POST /register

Register a client using a CDR Register issued Software Statement Assertion.

Body parameter

Endpoint Version

Version	Versioning is not supported for this endpoint

Parameters

Name	In	Type	Required	Description
body	body	ClientRegistrationRequest	mandatory	The registration request JWT to be used to register with a Data Holder.

Example responses

201 Response

{
  "client_id": "35a5a70b-5b8d-41f4-9cbd-96cfbc15c58a",
  "client_id_issued_at": 1571808167,
  "client_name": "Mock Software",
  "client_description": "A mock software product",
  "client_uri": "https://www.mockcompany.com.au",
  "legal_entity_id": "344F0E809-BDBE-4F8E-BD30-5E6C3CB78D7B",
  "legal_entity_name": "Mock Company Pty Ltd.",
  "org_id": "3B0B0A7B-3E7B-4A2C-9497-E357A71D07C8",
  "org_name": "Mock Company Brand.",
  "redirect_uris": [
    "https://www.mockcompany.com.au/redirects/redirect1",
    "https://www.mockcompany.com.au/redirects/redirect2"
  ],
  "sector_identifier_uri": "https://www.mockcompany.com.au/sector_identifier.json",
  "logo_uri": "https://www.mockcompany.com.au/logos/logo1.png",
  "tos_uri": "https://www.mockcompany.com.au/tos.html",
  "policy_uri": "https://www.mockcompany.com.au/policy.html",
  "jwks_uri": "https://www.mockcompany.com.au/jwks",
  "revocation_uri": "https://www.mockcompany.com.au/revocation",
  "recipient_base_uri": "https://www.mockcompany.com.au",
  "token_endpoint_auth_method": "private_key_jwt",
  "token_endpoint_auth_signing_alg": "PS256",
  "grant_types": [
    "client_credentials"
  ],
  "response_types": [
    "code"
  ],
  "application_type": "web",
  "id_token_signed_response_alg": "PS256",
  "id_token_encrypted_response_alg": "RSA-OAEP",
  "id_token_encrypted_response_enc": "A256GCM",
  "authorization_signed_response_alg": "PS256",
  "authorization_encrypted_response_alg": "RSA-OAEP",
  "authorization_encrypted_response_enc": "A128CBC-HS256",
  "request_object_signing_alg": "PS256",
  "software_statement": "string",
  "software_id": "740C368F-ECF9-4D29-A2EA-0514A66B0CDE",
  "software_roles": "data-recipient-software-product",
  "scope": "openid profile bank:accounts.basic:read bank:accounts.detail:read bank:transactions:read bank:payees:read bank:regular_payments:read common:customer.basic:read common:customer.detail:read cdr:registration"
}

Responses

Status	Meaning	Description	Schema
201	Created	Client registration success	RegistrationProperties
400	Bad Request	Request failed due to client error	RegistrationError

Get oAuth Client Registration

Code samples

GET https://data.holder.com.au/register/{ClientId} HTTP/1.1
Host: data.holder.com.au
Accept: application/json
Authorization: string

var headers = {
  'Accept':'application/json',
  'Authorization':'string'

};

$.ajax({
  url: 'https://data.holder.com.au/register/{ClientId}',
  method: 'get',

  headers: headers,
  success: function(data) {
    console.log(JSON.stringify(data));
  }
})

GET /register/{ClientId}

Get a Client Registration for a given Client ID.

Endpoint Version

Version	Versioning is not supported for this endpoint

Parameters

Name	In	Type	Required	Description
ClientId	path	string	mandatory	The client ID issued by the target Data Holder
Authorization	header	string	mandatory	An Authorisation Token as per [RFC6750]

Example responses

200 Response

{
  "client_id": "35a5a70b-5b8d-41f4-9cbd-96cfbc15c58a",
  "client_id_issued_at": 1571808167,
  "client_name": "Mock Software",
  "client_description": "A mock software product",
  "client_uri": "https://www.mockcompany.com.au",
  "legal_entity_id": "344F0E809-BDBE-4F8E-BD30-5E6C3CB78D7B",
  "legal_entity_name": "Mock Company Pty Ltd.",
  "org_id": "3B0B0A7B-3E7B-4A2C-9497-E357A71D07C8",
  "org_name": "Mock Company Brand.",
  "redirect_uris": [
    "https://www.mockcompany.com.au/redirects/redirect1",
    "https://www.mockcompany.com.au/redirects/redirect2"
  ],
  "sector_identifier_uri": "https://www.mockcompany.com.au/sector_identifier.json",
  "logo_uri": "https://www.mockcompany.com.au/logos/logo1.png",
  "tos_uri": "https://www.mockcompany.com.au/tos.html",
  "policy_uri": "https://www.mockcompany.com.au/policy.html",
  "jwks_uri": "https://www.mockcompany.com.au/jwks",
  "revocation_uri": "https://www.mockcompany.com.au/revocation",
  "recipient_base_uri": "https://www.mockcompany.com.au",
  "token_endpoint_auth_method": "private_key_jwt",
  "token_endpoint_auth_signing_alg": "PS256",
  "grant_types": [
    "client_credentials"
  ],
  "response_types": [
    "code"
  ],
  "application_type": "web",
  "id_token_signed_response_alg": "PS256",
  "id_token_encrypted_response_alg": "RSA-OAEP",
  "id_token_encrypted_response_enc": "A256GCM",
  "authorization_signed_response_alg": "PS256",
  "authorization_encrypted_response_alg": "RSA-OAEP",
  "authorization_encrypted_response_enc": "A128CBC-HS256",
  "request_object_signing_alg": "PS256",
  "software_statement": "string",
  "software_id": "740C368F-ECF9-4D29-A2EA-0514A66B0CDE",
  "software_roles": "data-recipient-software-product",
  "scope": "openid profile bank:accounts.basic:read bank:accounts.detail:read bank:transactions:read bank:payees:read bank:regular_payments:read common:customer.basic:read common:customer.detail:read cdr:registration"
}

Responses

Status	Meaning	Description	Schema
200	OK	Client registration retrieval success	RegistrationProperties
401	Unauthorized	Request failed due to unknown or invalid Client or invalid access token	None
403	Forbidden	The client does not have permission to read, update or delete the Client	None

Response Headers

Status	Header	Type	Format	Description
401	WWW-Authenticate	string		The Response Header Field as per [RFC6750]

Update Data Recipient Registration

Code samples

PUT https://data.holder.com.au/register/{ClientId} HTTP/1.1
Host: data.holder.com.au
Content-Type: application/jwt
Accept: application/json
Authorization: string

var headers = {
  'Content-Type':'application/jwt',
  'Accept':'application/json',
  'Authorization':'string'

};

$.ajax({
  url: 'https://data.holder.com.au/register/{ClientId}',
  method: 'put',

  headers: headers,
  success: function(data) {
    console.log(JSON.stringify(data));
  }
})

PUT /register/{ClientId}

Update a Client Registration for a given Client ID.

Body parameter

Endpoint Version

Version	Versioning is not supported for this endpoint

Parameters

Name	In	Type	Required	Description
ClientId	path	string	mandatory	The client ID issued by the target Data Holder
Authorization	header	string	mandatory	An Authorisation Token as per [RFC6750]
body	body	ClientRegistrationRequest	mandatory	The registration request JWT to be used to register with a Data Holder.

Example responses

200 Response

{
  "client_id": "35a5a70b-5b8d-41f4-9cbd-96cfbc15c58a",
  "client_id_issued_at": 1571808167,
  "client_name": "Mock Software",
  "client_description": "A mock software product",
  "client_uri": "https://www.mockcompany.com.au",
  "legal_entity_id": "344F0E809-BDBE-4F8E-BD30-5E6C3CB78D7B",
  "legal_entity_name": "Mock Company Pty Ltd.",
  "org_id": "3B0B0A7B-3E7B-4A2C-9497-E357A71D07C8",
  "org_name": "Mock Company Brand.",
  "redirect_uris": [
    "https://www.mockcompany.com.au/redirects/redirect1",
    "https://www.mockcompany.com.au/redirects/redirect2"
  ],
  "sector_identifier_uri": "https://www.mockcompany.com.au/sector_identifier.json",
  "logo_uri": "https://www.mockcompany.com.au/logos/logo1.png",
  "tos_uri": "https://www.mockcompany.com.au/tos.html",
  "policy_uri": "https://www.mockcompany.com.au/policy.html",
  "jwks_uri": "https://www.mockcompany.com.au/jwks",
  "revocation_uri": "https://www.mockcompany.com.au/revocation",
  "recipient_base_uri": "https://www.mockcompany.com.au",
  "token_endpoint_auth_method": "private_key_jwt",
  "token_endpoint_auth_signing_alg": "PS256",
  "grant_types": [
    "client_credentials"
  ],
  "response_types": [
    "code"
  ],
  "application_type": "web",
  "id_token_signed_response_alg": "PS256",
  "id_token_encrypted_response_alg": "RSA-OAEP",
  "id_token_encrypted_response_enc": "A256GCM",
  "authorization_signed_response_alg": "PS256",
  "authorization_encrypted_response_alg": "RSA-OAEP",
  "authorization_encrypted_response_enc": "A128CBC-HS256",
  "request_object_signing_alg": "PS256",
  "software_statement": "string",
  "software_id": "740C368F-ECF9-4D29-A2EA-0514A66B0CDE",
  "software_roles": "data-recipient-software-product",
  "scope": "openid profile bank:accounts.basic:read bank:accounts.detail:read bank:transactions:read bank:payees:read bank:regular_payments:read common:customer.basic:read common:customer.detail:read cdr:registration"
}

Responses

Status	Meaning	Description	Schema
200	OK	Client registration update success	RegistrationProperties
400	Bad Request	Request failed due to client error	RegistrationError
401	Unauthorized	Request failed due to unknown or invalid Client or invalid access token	None
403	Forbidden	The client does not have permission to read, update or delete the Client	None

Response Headers

Status	Header	Type	Format	Description
401	WWW-Authenticate	string		The Response Header Field as per [RFC6750]

Delete Data Recipient oAuth Client Registration

Code samples

DELETE https://data.holder.com.au/register/{ClientId} HTTP/1.1
Host: data.holder.com.au

Authorization: string

var headers = {
  'Authorization':'string'

};

$.ajax({
  url: 'https://data.holder.com.au/register/{ClientId}',
  method: 'delete',

  headers: headers,
  success: function(data) {
    console.log(JSON.stringify(data));
  }
})

DELETE /register/{ClientId}

Delete a Client Registration for a given Client ID.

Endpoint Version

Version	Versioning is not supported for this endpoint

Parameters

Name	In	Type	Required	Description
ClientId	path	string	mandatory	The client ID issued by the target Data Holder
Authorization	header	string	mandatory	An Authorisation Token as per [RFC6750]

Responses

Status	Meaning	Description	Schema
204	No Content	Client deleted	None
401	Unauthorized	Request failed due to unknown or invalid Client or invalid access token	None
403	Forbidden	The client does not have permission to read, update or delete the Client	None
405	Method Not Allowed	Method Not Allowed. The requested method is unsupported	None

Response Headers

Status	Header	Type	Format	Description
401	WWW-Authenticate	string		The Response Header Field as per [RFC6750]

Schemas

ClientRegistrationRequest

"eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9..."

The registration request JWT to be used to register with a Data Holder.

Properties

Name	Type	Required	Description
anonymous	string(JWT)	mandatory	The registration request JWT to be used to register with a Data Holder.

RegistrationProperties

{
  "client_id": "35a5a70b-5b8d-41f4-9cbd-96cfbc15c58a",
  "client_id_issued_at": 1571808167,
  "client_name": "Mock Software",
  "client_description": "A mock software product",
  "client_uri": "https://www.mockcompany.com.au",
  "legal_entity_id": "344F0E809-BDBE-4F8E-BD30-5E6C3CB78D7B",
  "legal_entity_name": "Mock Company Pty Ltd.",
  "org_id": "3B0B0A7B-3E7B-4A2C-9497-E357A71D07C8",
  "org_name": "Mock Company Brand.",
  "redirect_uris": [
    "https://www.mockcompany.com.au/redirects/redirect1",
    "https://www.mockcompany.com.au/redirects/redirect2"
  ],
  "sector_identifier_uri": "https://www.mockcompany.com.au/sector_identifier.json",
  "logo_uri": "https://www.mockcompany.com.au/logos/logo1.png",
  "tos_uri": "https://www.mockcompany.com.au/tos.html",
  "policy_uri": "https://www.mockcompany.com.au/policy.html",
  "jwks_uri": "https://www.mockcompany.com.au/jwks",
  "revocation_uri": "https://www.mockcompany.com.au/revocation",
  "recipient_base_uri": "https://www.mockcompany.com.au",
  "token_endpoint_auth_method": "private_key_jwt",
  "token_endpoint_auth_signing_alg": "PS256",
  "grant_types": [
    "client_credentials"
  ],
  "response_types": [
    "code"
  ],
  "application_type": "web",
  "id_token_signed_response_alg": "PS256",
  "id_token_encrypted_response_alg": "RSA-OAEP",
  "id_token_encrypted_response_enc": "A256GCM",
  "authorization_signed_response_alg": "PS256",
  "authorization_encrypted_response_alg": "RSA-OAEP",
  "authorization_encrypted_response_enc": "A128CBC-HS256",
  "request_object_signing_alg": "PS256",
  "software_statement": "string",
  "software_id": "740C368F-ECF9-4D29-A2EA-0514A66B0CDE",
  "software_roles": "data-recipient-software-product",
  "scope": "openid profile bank:accounts.basic:read bank:accounts.detail:read bank:transactions:read bank:payees:read bank:regular_payments:read common:customer.basic:read common:customer.detail:read cdr:registration"
}

Properties

Name	Type	Required	Description
client_id	string	mandatory	Data Holder issued client identifier string
client_id_issued_at	ExternalRef	optional	Time at which the client identifier was issued expressed as seconds since 1970-01-01T00:00:00Z as measured in UTC
client_name	string	mandatory	Human-readable string name of the software product to be presented to the end-user during authorization
client_description	string	mandatory	Human-readable string name of the software product description to be presented to the end user during authorization
client_uri	URIString	mandatory	URL string of a web page providing information about the client
legal_entity_id	string	optional	A unique identifier string assigned by the CDR Register that identifies the Accredited Data Recipient Legal Entity
legal_entity_name	string	optional	Human-readable string name of the Accredited Data Recipient Legal Entity
org_id	string	mandatory	A unique identifier string assigned by the CDR Register that identifies the Accredited Data Recipient Brand
org_name	string	mandatory	Human-readable string name of the Accredited Data Recipient to be presented to the end user during authorization
redirect_uris	[string]	mandatory	Array of redirection URI strings for use in redirect-based flows. If used, redirect_uris MUST match or be a subset of the redirect_uris as defined in the SSA
sector_identifier_uri	URIString	optional	URL string referencing the client sector identifier URI, used as an optional input to the Pairwise Identifier
logo_uri	URIString	mandatory	URL string that references a logo for the client. If present, the server SHOULD display this image to the end-user during approval
tos_uri	URIString	optional	URL string that points to a human-readable terms of service document for the Software Product
policy_uri	URIString	optional	URL string that points to a human-readable policy document for the Software Product
jwks_uri	URIString	mandatory	URL string referencing the client JSON Web Key (JWK) Set [RFC7517] document, which contains the client public keys
revocation_uri	URIString	optional	URI string that references the location of the Software Product consent revocation endpoint
recipient_base_uri	URIString	optional	Base URI for the Consumer Data Standard Data Recipient endpoints. This should be the base to provide reference to all other Data Recipient Endpoints
token_endpoint_auth_method	Enum	mandatory	The requested authentication method for the token endpoint
token_endpoint_auth_signing_alg	Enum	mandatory	The algorithm used for signing the JWT
grant_types	[string]	mandatory	Array of OAuth 2.0 grant type strings that the client can use at the token endpoint
response_types	[string]	mandatory	Array of the OAuth 2.0 response type strings that the client can use at the authorization endpoint. Response type value code is required for Authorization Code Flow. Response type value code id_token is required for OIDC Hybrid Flow.
application_type	Enum	optional	Kind of the application. The only supported application type will be web
id_token_signed_response_alg	Enum	mandatory	Algorithm with which an id_token is to be signed
id_token_encrypted_response_alg	ExternalRef	mandatory	JWE alg algorithm with which an id_token is to be encrypted
id_token_encrypted_response_enc	ExternalRef	mandatory	JWE enc algorithm with which an id_token is to be encrypted
authorization_signed_response_alg	string	optional	The JWS alg algorithm required for signing authorization responses. If this is specified, the response will be signed using JWS and the configured algorithm. The algorithm “none” is not allowed. Required if response_type of “code” is registered by the client.
authorization_encrypted_response_alg	string	optional	The JWE alg algorithm required for encrypting authorization responses. If unspecified, the default is that no encryption is performed. Required if “authorization_encrypted_response_enc” is included.
authorization_encrypted_response_enc	string	optional	The JWE enc algorithm required for encrypting authorization responses. If “authorization_encrypted_response_alg” is specified, the default for this value is “A128CBC-HS256”.
request_object_signing_alg	Enum	mandatory	Algorithm which the ADR expects to sign the request object if a request object will be part of the authorization request sent to the Data Holder
software_statement	string(JWT)	mandatory	The Software Statement Assertion, as defined in CDR standards
software_id	string	mandatory	String representing a unique identifier assigned by the Register and used by registration endpoints to identify the software product to be dynamically registered. The "software_id" will remain the same for the lifetime of the product, across multiple updates and versions
software_roles	Enum	optional	String containing a role of the software in the CDR Regime. Initially the only value used with be data-recipient-software-product
scope	string	mandatory	String containing a space-separated list of scope values that the client can use when requesting access tokens.

Enumerated Values

Property	Value
token_endpoint_auth_method	private_key_jwt
token_endpoint_auth_signing_alg	PS256
token_endpoint_auth_signing_alg	ES256
grant_types	client_credentials
grant_types	authorization_code
grant_types	refresh_token
response_types	code
response_types	code id_token
application_type	web
id_token_signed_response_alg	PS256
id_token_signed_response_alg	ES256
authorization_signed_response_alg	PS256
authorization_signed_response_alg	ES256
authorization_encrypted_response_alg	RSA-OAEP
authorization_encrypted_response_alg	RSA-OAEP-256
authorization_encrypted_response_enc	A256GCM
authorization_encrypted_response_enc	A128CBC-HS256
request_object_signing_alg	PS256
request_object_signing_alg	ES256
software_roles	data-recipient-software-product

ClientRegistration

{
  "iss": "CDR Software Product ID",
  "iat": 1571808167,
  "exp": 2147483646,
  "jti": "37747cd1c10545699f754adf28b73e31",
  "aud": "https://secure.api.dataholder.com/issuer",
  "client_id": "35a5a70b-5b8d-41f4-9cbd-96cfbc15c58a",
  "client_id_issued_at": 1571808167,
  "client_name": "Mock Software",
  "client_description": "A mock software product",
  "client_uri": "https://www.mockcompany.com.au",
  "legal_entity_id": "344F0E809-BDBE-4F8E-BD30-5E6C3CB78D7B",
  "legal_entity_name": "Mock Company Pty Ltd.",
  "org_id": "3B0B0A7B-3E7B-4A2C-9497-E357A71D07C8",
  "org_name": "Mock Company Brand.",
  "redirect_uris": [
    "https://www.mockcompany.com.au/redirects/redirect1",
    "https://www.mockcompany.com.au/redirects/redirect2"
  ],
  "sector_identifier_uri": "https://www.mockcompany.com.au/sector_identifier.json",
  "logo_uri": "https://www.mockcompany.com.au/logos/logo1.png",
  "tos_uri": "https://www.mockcompany.com.au/tos.html",
  "policy_uri": "https://www.mockcompany.com.au/policy.html",
  "jwks_uri": "https://www.mockcompany.com.au/jwks",
  "revocation_uri": "https://www.mockcompany.com.au/revocation",
  "recipient_base_uri": "https://www.mockcompany.com.au",
  "token_endpoint_auth_method": "private_key_jwt",
  "token_endpoint_auth_signing_alg": "PS256",
  "grant_types": [
    "client_credentials"
  ],
  "response_types": [
    "code"
  ],
  "application_type": "web",
  "id_token_signed_response_alg": "PS256",
  "id_token_encrypted_response_alg": "RSA-OAEP",
  "id_token_encrypted_response_enc": "A256GCM",
  "authorization_signed_response_alg": "PS256",
  "authorization_encrypted_response_alg": "RSA-OAEP",
  "authorization_encrypted_response_enc": "A128CBC-HS256",
  "request_object_signing_alg": "PS256",
  "software_statement": "string",
  "software_id": "740C368F-ECF9-4D29-A2EA-0514A66B0CDE",
  "software_roles": "data-recipient-software-product",
  "scope": "openid profile bank:accounts.basic:read bank:accounts.detail:read bank:transactions:read bank:payees:read bank:regular_payments:read common:customer.basic:read common:customer.detail:read cdr:registration"
}

Properties

allOf

Name	Type	Required	Description
anonymous	object	mandatory	none
» iss	string	mandatory	Contains the identifier for the ADR Software Product (SoftwareProductId) as defined in the CDR Register
» iat	ExternalRef	mandatory	The time at which the request was issued by the Data Recipient expressed as seconds since 1970-01-01T00:00:00Z as measured in UTC
» exp	ExternalRef	mandatory	The time at which the request expires expressed as seconds since 1970-01-01T00:00:00Z as measured in UTC
» jti	string	mandatory	Unique identifier for the JWT, used to prevent replay of the token
» aud	URIString	mandatory	'Contains the Data Holder issuer value as described in the OIDC Discovery Document

and

Name	Type	Required	Description
anonymous	RegistrationProperties	mandatory	none

RegistrationError

{
  "error": "invalid_redirect_uri",
  "error_description": "string"
}

Properties

Name	Type	Required	Description
error	Enum	mandatory	Predefined error code as described in section 3.3 OIDC Dynamic Client Registration
error_description	ASCIIString	optional	Additional text description of the error for debugging.

Enumerated Values

Property	Value
error	invalid_redirect_uri
error	invalid_client_metadata
error	invalid_software_statement
error	unapproved_software_statement

Register APIs

The following section provides an overview of the Register APIs for Data Holders and Data Recipients to collect participant metadata. These endpoints are exposed by the Register and consumed by Data Holders and Data Recipients.

Updated Register API field types to use Common Field Types

Modified the x-v request header descriptions that are optional
to specify the default version that will be assumed if the header
is absent

Register OpenAPI Specification (JSON)

Register OpenAPI Specification (YAML)

API	Caller	Description	MTLS	TLS	Bearer Token
Get Register OpenId Provider Config	Data Recipient Brand or Software Product	Discovery of CDR Register OpenID Configuration
Get Register JWKS	Data Holder	Validate SSA and CDR Register authentication JWT signatures
Get Data Holder Brands	Data Recipient Brand or Software Product	Discovery of Data Holder Brands and their associated endpoints
Get Data Holder Brands Summary	Public Client	Discovery of Data Holder Brands and their associated public details
Get Software Statement Assertion	Data Recipient Brand or Software Product	Get SSA for a Software Product to be used in Dynamic Client Registration
Get Data Holder Statuses	Data Recipient	Data Holder Statuses to check validity of Data Holder
Get Software Products Status	Data Holder Brand	Software Product Statuses to check validity of ADR requests
Get Data Recipient Statuses	Data Holder Brand	Data Recipient Statuses to check validity of ADR requests
Get Data Recipients	Data Holder Brand	Data Recipient, brand and product details to render Data Holder Consumer Dashboard

Base URLs:

Production TLS	https://api.cdr.gov.au
Production mTLS	https://secure.api.cdr.gov.au

Get OpenId Provider Config

Code samples

GET https://<register-base-url>/.well-known/openid-configuration HTTP/1.1

Accept: application/json

var headers = {
  'Accept':'application/json'

};

$.ajax({
  url: 'https://<register-base-url>/.well-known/openid-configuration',
  method: 'get',

  headers: headers,
  success: function(data) {
    console.log(JSON.stringify(data));
  }
})

GET /.well-known/openid-configuration

Endpoint used by participants to discover the CDR Register OpenID configuration and obtain information needed to interact with it, including its OAuth 2.0 endpoint locations.

Endpoint Version

Version	Versioning is not supported for this endpoint

Example responses

200 Response

{
  "issuer": "string",
  "jwks_uri": "string",
  "token_endpoint": "string",
  "claims_supported": [
    "string"
  ],
  "id_token_signing_alg_values_supported": [
    "string"
  ],
  "subject_types_supported": [
    "string"
  ],
  "code_challenge_methods_supported": [
    "string"
  ],
  "scopes_supported": [
    "string"
  ],
  "response_types_supported": [
    "string"
  ],
  "grant_types_supported": [
    "string"
  ],
  "token_endpoint_auth_methods_supported": [
    "string"
  ],
  "tls_client_certificate_bound_access_tokens": true,
  "token_endpoint_auth_signing_alg_values_supported": [
    "string"
  ]
}

Responses

Status	Meaning	Description	Schema
200	OK	The OpenID Provider Configuration Metadata values	ResponseOpenIDProviderConfigMetadata

Get JWKS

Code samples

GET https://<register-base-url>/jwks HTTP/1.1

Accept: application/json

var headers = {
  'Accept':'application/json'

};

$.ajax({
  url: 'https://<register-base-url>/jwks',
  method: 'get',

  headers: headers,
  success: function(data) {
    console.log(JSON.stringify(data));
  }
})

GET /jwks

JWKS endpoint containing the public keys used by the CDR Register to validate the signature of issued SSAs and authenticate outbound calls to participants in the CDR.

Endpoint Version

Version	Versioning is not supported for this endpoint

Example responses

200 Response

{
  "keys": [
    {
      "alg": "string",
      "e": "string",
      "key_ops": [
        "string"
      ],
      "kid": "string",
      "kty": "string",
      "n": "string"
    }
  ]
}

Responses

Status	Meaning	Description	Schema
200	OK	A JSON object that represents a set of JWKs	ResponseJWKS

Get Data Holder Brands

Code samples

GET https://<register-base-url>/cdr-register/v1/{industry}/data-holders/brands HTTP/1.1

Accept: application/json
Authorization: string
x-v: 1
x-min-v: 0

var headers = {
  'Accept':'application/json',
  'Authorization':'string',
  'x-v':'1',
  'x-min-v':'0'

};

$.ajax({
  url: 'https://<register-base-url>/cdr-register/v1/{industry}/data-holders/brands',
  method: 'get',

  headers: headers,
  success: function(data) {
    console.log(JSON.stringify(data));
  }
})

GET /cdr-register/v1/{industry}/data-holders/brands

Allows Data Recipients to discover Data Holder Brands available in the CDR ecosystem.

Obsolete versions: v1

Endpoint Version

Version	2

Parameters

Name	In	Type	Required	Description
industry	path	string	mandatory	The industry the participant is retrieving data for (Banking, etc)
Authorization	header	string	mandatory	An Authorisation Token as per [RFC6750].
x-v	header	integer	optional	The version of the API end point requested by the client. Must be set to a positive integer. For backwards compatiblity defaults to 1 if absent. Note that once version 1 is decommissioned the header will be mandatory for a valid response to be obtained
x-min-v	header	integer	optional	The minimum version of the API end point requested by the client. Must be set to a positive integer if provided.
updated-since	query	string	optional	query filter returns results updated since the specified date-time
page	query	integer	optional	the page number to return
page-size	query	integer	optional	the number of records to return per page

Enumerated Values

Parameter	Value
industry	banking
industry	energy
industry	telco
industry	all

Example responses

200 Response

{
  "data": [
    {
      "dataHolderBrandId": "string",
      "brandName": "string",
      "industries": [
        "banking"
      ],
      "logoUri": "string",
      "legalEntity": {
        "legalEntityId": "string",
        "legalEntityName": "string",
        "logoUri": "string",
        "registrationNumber": "string",
        "registrationDate": "string",
        "registeredCountry": "string",
        "abn": "string",
        "acn": "string",
        "arbn": "string",
        "anzsicDivision": "string",
        "organisationType": "SOLE_TRADER",
        "status": "ACTIVE"
      },
      "status": "ACTIVE",
      "endpointDetail": {
        "version": "string",
        "publicBaseUri": "string",
        "resourceBaseUri": "string",
        "infosecBaseUri": "string",
        "extensionBaseUri": "string",
        "websiteUri": "string"
      },
      "authDetails": [
        {
          "registerUType": "SIGNED-JWT",
          "jwksEndpoint": "string"
        }
      ],
      "lastUpdated": "string"
    }
  ],
  "links": {
    "first": "string",
    "last": "string",
    "next": "string",
    "prev": "string",
    "self": "string"
  },
  "meta": {
    "totalPages": 0,
    "totalRecords": 0
  }
}

Responses

Status	Meaning	Description	Schema
200	OK	Success	ResponseRegisterDataHolderBrandList
400	Bad Request	Missing Required Header / Invalid Version / Invalid Path Parameter	ResponseErrorListV2
401	Unauthorized	Invalid Bearer Token	ResponseErrorListV2
406	Not Acceptable	Unsupported Version	ResponseErrorListV2

Response Headers

Status	Header	Type	Format	Description
200	x-v	integer		The version of the API end point that the CDR Register has responded with.

Get Data Holder Brands Summary

Code samples

GET https://<register-base-url>/cdr-register/v1/{industry}/data-holders/brands/summary HTTP/1.1

Accept: application/json
x-v: 0
x-min-v: 0
If-None-Match: string

var headers = {
  'Accept':'application/json',
  'x-v':'0',
  'x-min-v':'0',
  'If-None-Match':'string'

};

$.ajax({
  url: 'https://<register-base-url>/cdr-register/v1/{industry}/data-holders/brands/summary',
  method: 'get',

  headers: headers,
  success: function(data) {
    console.log(JSON.stringify(data));
  }
})

GET /cdr-register/v1/{industry}/data-holders/brands/summary

Endpoint used by participants to discover public details of Data Holder Brands from the CDR Register

Endpoint Version

Version	1

Parameters

Name	In	Type	Required	Description
industry	path	string	mandatory	The industry the participant is retrieving data for (Banking, etc)
x-v	header	integer	mandatory	The version of the API end point requested by the client. Must be set to a positive integer.
x-min-v	header	integer	optional	The minimum version of the API end point requested by the client. Must be set to a positive integer if provided.
If-None-Match	header	string	optional	Makes the request method conditional on a recipient cache or origin server not having any current representation of the target resource with an entity-tag that does not match any of those listed in the field-value.

Enumerated Values

Parameter	Value
industry	banking
industry	energy
industry	telco
industry	all

Example responses

200 Response

{
  "data": [
    {
      "dataHolderBrandId": "string",
      "interimId": "string",
      "brandName": "string",
      "publicBaseUri": "string",
      "logoUri": "string",
      "industries": [
        "banking"
      ],
      "lastUpdated": "string",
      "abn": "string",
      "acn": "string",
      "arbn": "string"
    }
  ],
  "links": {
    "self": "string"
  },
  "meta": {}
}

Responses

Status	Meaning	Description	Schema
200	OK	Success	ResponseDataHoldersBrandSummaryList
304	Not Modified	Not Modified - The current representation of the target resource matches with the entity-tag provided in the If-None-Match request header	None
400	Bad Request	Missing Required Header / Invalid Version / Invalid Path Parameter	ResponseErrorListV2
404	Not Found	Industry Not Found	ResponseErrorListV2
406	Not Acceptable	Unsupported Version	ResponseErrorListV2

Response Headers

Status	Header	Type	Format	Description
200	x-v	integer		The version of the API end point that the CDR Register has responded with.
200	Etag	string		Entity tag that uniquely represents the requested resource.
304	Etag	string		Entity tag that uniquely represents the requested resource.

Get Software Statement Assertion (SSA)

Code samples

GET https://<register-base-url>/cdr-register/v1/{industry}/data-recipients/brands/{dataRecipientBrandId}/software-products/{softwareProductId}/ssa HTTP/1.1

Accept: application/json
x-v: 1
x-min-v: 0
Authorization: string

var headers = {
  'Accept':'application/json',
  'x-v':'1',
  'x-min-v':'0',
  'Authorization':'string'

};

$.ajax({
  url: 'https://<register-base-url>/cdr-register/v1/{industry}/data-recipients/brands/{dataRecipientBrandId}/software-products/{softwareProductId}/ssa',
  method: 'get',

  headers: headers,
  success: function(data) {
    console.log(JSON.stringify(data));
  }
})

GET /cdr-register/v1/{industry}/data-recipients/brands/{dataRecipientBrandId}/software-products/{softwareProductId}/ssa

Get a Software Statement Assertion (SSA) for a software product on the CDR Register to be used for Dynamic Client Registration with a Data Holder Brand.

Obsolete versions: v1, v2

Endpoint Version

Version	3

Parameters

Name	In	Type	Required	Description
industry	path	string	mandatory	The industry the participant is retrieving data for (Banking, etc)
x-v	header	integer	optional	The version of the API end point requested by the client. Must be set to a positive integer. For backwards compatiblity defaults to 1 if absent. Note that once version 1 is decommissioned the header will be mandatory for a valid response to be obtained
x-min-v	header	integer	optional	The minimum version of the API end point requested by the client. Must be set to a positive integer if provided.
dataRecipientBrandId	path	string	mandatory	Unique id for the Accredited Data Recipient Brand that the Software Product is associated with in the CDR Register
softwareProductId	path	string	mandatory	Unique id for the Accredited Data Recipient Software Product in the CDR Register
Authorization	header	string	mandatory	An Authorisation Token as per [RFC6750].

Enumerated Values

Parameter	Value
industry	banking
industry	energy
industry	telco
industry	all

Example responses

200 Response

"string"

Responses

Status	Meaning	Description	Schema
200	OK	Success	string
400	Bad Request	Missing Required Header / Invalid Version / Invalid Path Parameter	ResponseErrorListV2
401	Unauthorized	Invalid Bearer Token	ResponseErrorListV2
403	Forbidden	Invalid BrandId	ResponseErrorListV2
404	Not Found	Invalid Software Product	ResponseErrorListV2
406	Not Acceptable	Unsupported Version	ResponseErrorListV2
422	Unprocessable Entity	SSA validation failed	ResponseErrorListV2

Response Headers

Status	Header	Type	Format	Description
200	x-v	integer		The version of the API end point that the CDR Register has responded with.

Get Data Holder Statuses

Code samples

GET https://<register-base-url>/cdr-register/v1/{industry}/data-holders/status HTTP/1.1

Accept: application/json
x-v: 1
x-min-v: 0
If-None-Match: string

var headers = {
  'Accept':'application/json',
  'x-v':'1',
  'x-min-v':'0',
  'If-None-Match':'string'

};

$.ajax({
  url: 'https://<register-base-url>/cdr-register/v1/{industry}/data-holders/status',
  method: 'get',

  headers: headers,
  success: function(data) {
    console.log(JSON.stringify(data));
  }
})

GET /cdr-register/v1/{industry}/data-holders/status

Endpoint used by participants to discover the statuses for Data Holders from the CDR Register

Endpoint Version

Version	1

Parameters

Name	In	Type	Required	Description
industry	path	string	mandatory	The industry the participant is retrieving data for (Banking, etc)
x-v	header	integer	optional	The version of the API end point requested by the client. Must be set to a positive integer. For backwards compatiblity defaults to 1 if absent. Note that once version 1 is decommissioned the header will be mandatory for a valid response to be obtained
x-min-v	header	integer	optional	The minimum version of the API end point requested by the client. Must be set to a positive integer if provided.
If-None-Match	header	string	optional	Makes the request method conditional on a recipient cache or origin server not having any current representation of the target resource with an entity-tag that does not match any of those listed in the field-value.

Enumerated Values

Parameter	Value
industry	banking
industry	energy
industry	telco
industry	all

Example responses

200 Response

{
  "data": [
    {
      "legalEntityId": "string",
      "status": "ACTIVE"
    }
  ],
  "links": {
    "self": "string"
  },
  "meta": {}
}

Responses

Status	Meaning	Description	Schema
200	OK	Success	DataHoldersStatusList
304	Not Modified	Not Modified - The current representation of the target resource matches with the entity-tag provided in the If-None-Match request header	None
400	Bad Request	Missing Required Header / Invalid Version / Invalid Path Parameter	ResponseErrorListV2
406	Not Acceptable	Unsupported Version	ResponseErrorListV2

Response Headers

Status	Header	Type	Format	Description
200	x-v	integer		The version of the API end point that the CDR Register has responded with.
200	Etag	string		Entity tag that uniquely represents the requested resource.
304	Etag	string		Entity tag that uniquely represents the requested resource.

Get Software Products Statuses

Code samples

GET https://<register-base-url>/cdr-register/v1/{industry}/data-recipients/brands/software-products/status HTTP/1.1

Accept: application/json
x-v: 1
x-min-v: 0
If-None-Match: string

var headers = {
  'Accept':'application/json',
  'x-v':'1',
  'x-min-v':'0',
  'If-None-Match':'string'

};

$.ajax({
  url: 'https://<register-base-url>/cdr-register/v1/{industry}/data-recipients/brands/software-products/status',
  method: 'get',

  headers: headers,
  success: function(data) {
    console.log(JSON.stringify(data));
  }
})

GET /cdr-register/v1/{industry}/data-recipients/brands/software-products/status

Endpoint used by participants to discover the statuses for software products from the CDR Register.

Obsolete versions: v1

Endpoint Version

Version	2

Parameters

Name	In	Type	Required	Description
industry	path	string	mandatory	The industry the participant is retrieving data for (Banking, etc)
x-v	header	integer	optional	The version of the API end point requested by the client. Must be set to a positive integer. For backwards compatiblity defaults to 1 if absent. Note that once version 1 is decommissioned the header will be mandatory for a valid response to be obtained
x-min-v	header	integer	optional	The minimum version of the API end point requested by the client. Must be set to a positive integer if provided.
If-None-Match	header	string	optional	Makes the request method conditional on a recipient cache or origin server not having any current representation of the target resource with an entity-tag that does not match any of those listed in the field-value.

Enumerated Values

Parameter	Value
industry	banking
industry	energy
industry	telco
industry	all

Example responses

200 Response

{
  "data": [
    {
      "softwareProductId": "string",
      "status": "ACTIVE"
    }
  ],
  "links": {
    "self": "string"
  },
  "meta": {}
}

Responses

Status	Meaning	Description	Schema
200	OK	Success	SoftwareProductsStatusList
304	Not Modified	Not Modified - The current representation of the target resource matches with the entity-tag provided in the If-None-Match request header	None
400	Bad Request	Missing Required Header / Invalid Version / Invalid Path Parameter	ResponseErrorListV2
406	Not Acceptable	Unsupported Version	ResponseErrorListV2

Response Headers

Status	Header	Type	Format	Description
200	x-v	integer		The version of the API end point that the CDR Register has responded with.
200	Etag	string		Entity tag that uniquely represents the requested resource.
304	Etag	string		Entity tag that uniquely represents the requested resource.

Get Data Recipients Statuses

Code samples

GET https://<register-base-url>/cdr-register/v1/{industry}/data-recipients/status HTTP/1.1

Accept: application/json
x-v: 1
x-min-v: 0
If-None-Match: string

var headers = {
  'Accept':'application/json',
  'x-v':'1',
  'x-min-v':'0',
  'If-None-Match':'string'

};

$.ajax({
  url: 'https://<register-base-url>/cdr-register/v1/{industry}/data-recipients/status',
  method: 'get',

  headers: headers,
  success: function(data) {
    console.log(JSON.stringify(data));
  }
})

GET /cdr-register/v1/{industry}/data-recipients/status

Endpoint used by participants to discover the statuses for Data Recipients from the CDR Register.

Obsolete versions: v1

Endpoint Version

Version	2

Parameters

Name	In	Type	Required	Description
industry	path	string	mandatory	The industry the participant is retrieving data for (Banking, etc)
x-v	header	integer	optional	The version of the API end point requested by the client. Must be set to a positive integer. For backwards compatiblity defaults to 1 if absent. Note that once version 1 is decommissioned the header will be mandatory for a valid response to be obtained
x-min-v	header	integer	optional	The minimum version of the API end point requested by the client. Must be set to a positive integer if provided.
If-None-Match	header	string	optional	Makes the request method conditional on a recipient cache or origin server not having any current representation of the target resource with an entity-tag that does not match any of those listed in the field-value.

Enumerated Values

Parameter	Value
industry	banking
industry	energy
industry	telco
industry	all

Example responses

200 Response

{
  "data": [
    {
      "legalEntityId": "string",
      "status": "ACTIVE"
    }
  ],
  "links": {
    "self": "string"
  },
  "meta": {}
}

Responses

Status	Meaning	Description	Schema
200	OK	Success	DataRecipientsStatusList
304	Not Modified	Not Modified - The current representation of the target resource matches with the entity-tag provided in the If-None-Match request header	None
400	Bad Request	Missing Required Header / Invalid Version / Invalid Path Parameter	ResponseErrorListV2
406	Not Acceptable	Unsupported Version	ResponseErrorListV2

Response Headers

Status	Header	Type	Format	Description
200	x-v	integer		The version of the API end point that the CDR Register has responded with.
200	Etag	string		Entity tag that uniquely represents the requested resource.
304	Etag	string		Entity tag that uniquely represents the requested resource.

Get Data Recipients

Code samples

GET https://<register-base-url>/cdr-register/v1/{industry}/data-recipients HTTP/1.1

Accept: application/json
x-v: 2
x-min-v: 0
If-None-Match: string

var headers = {
  'Accept':'application/json',
  'x-v':'2',
  'x-min-v':'0',
  'If-None-Match':'string'

};

$.ajax({
  url: 'https://<register-base-url>/cdr-register/v1/{industry}/data-recipients',
  method: 'get',

  headers: headers,
  success: function(data) {
    console.log(JSON.stringify(data));
  }
})

GET /cdr-register/v1/{industry}/data-recipients

Endpoint used by participants to discover data recipients and associated brands and software products, available in the CDR ecosystem.

Obsolete versions: v2

Endpoint Version

Version	3

Parameters

Name	In	Type	Required	Description
industry	path	string	mandatory	The industry the participant is retrieving data for (Banking, etc)
x-v	header	integer	optional	The version of the API end point requested by the client. Must be set to a positive integer. For backwards compatiblity defaults to 2 if absent. Note that once version 2 is decommissioned the header will be mandatory for a valid response to be obtained
x-min-v	header	integer	optional	The minimum version of the API end point requested by the client. Must be set to a positive integer if provided.
If-None-Match	header	string	optional	Makes the request method conditional on a recipient cache or origin server not having any current representation of the target resource with an entity-tag that does not match any of those listed in the field-value.

Enumerated Values

Parameter	Value
industry	banking
industry	energy
industry	telco
industry	all

Example responses

200 Response

{
  "data": [
    {
      "legalEntityId": "string",
      "legalEntityName": "string",
      "accreditationNumber": "string",
      "accreditationLevel": "UNRESTRICTED",
      "logoUri": "string",
      "dataRecipientBrands": [
        {
          "dataRecipientBrandId": "string",
          "brandName": "string",
          "logoUri": "string",
          "softwareProducts": [
            {
              "softwareProductId": "string",
              "softwareProductName": "string",
              "softwareProductDescription": "string",
              "logoUri": "string",
              "status": "ACTIVE"
            }
          ],
          "status": "ACTIVE"
        }
      ],
      "status": "ACTIVE",
      "lastUpdated": "string"
    }
  ],
  "links": {
    "self": "string"
  },
  "meta": {}
}

Responses

Status	Meaning	Description	Schema
200	OK	Success	ResponseRegisterDataRecipientList
304	Not Modified	Not Modified - The current representation of the target resource matches with the entity-tag provided in the If-None-Match request header	None
400	Bad Request	Missing Required Header / Invalid Version / Invalid Path Parameter	ResponseErrorListV2
406	Not Acceptable	Unsupported Version	ResponseErrorListV2

Response Headers

Status	Header	Type	Format	Description
200	x-v	integer		The version of the API end point that the CDR Register has responded with.
200	Etag	string		Entity tag that uniquely represents the requested resource.
304	Etag	string		Entity tag that uniquely represents the requested resource.

Schemas

ResponseOpenIDProviderConfigMetadata

{
  "issuer": "string",
  "jwks_uri": "string",
  "token_endpoint": "string",
  "claims_supported": [
    "string"
  ],
  "id_token_signing_alg_values_supported": [
    "string"
  ],
  "subject_types_supported": [
    "string"
  ],
  "code_challenge_methods_supported": [
    "string"
  ],
  "scopes_supported": [
    "string"
  ],
  "response_types_supported": [
    "string"
  ],
  "grant_types_supported": [
    "string"
  ],
  "token_endpoint_auth_methods_supported": [
    "string"
  ],
  "tls_client_certificate_bound_access_tokens": true,
  "token_endpoint_auth_signing_alg_values_supported": [
    "string"
  ]
}

Response containing the Open ID Provider Configuration Metadata

Properties

Name	Type	Required	Description
issuer	URIString	mandatory	URL using the https scheme with no query or fragment component that the CDR Register asserts as its Issuer Identifier
jwks_uri	URIString	mandatory	URL of the CDR Register's JSON Web Key Set [JWK] document. This contains the signing key(s) used to validate access tokens issued from the CDR Register. Note that this differs from the JWKS endpoint used to validate SSAs and CDR Register client authentication
token_endpoint	URIString	mandatory	URL of the CDR Register's OAuth 2.0 Token Endpoint
claims_supported	[string]	mandatory	JSON array containing a list of the Claim Names of the Claims that the CDR Register supplies values for
id_token_signing_alg_values_supported	[string]	mandatory	JSON array containing a list of the JWS signing algorithms (alg values) supported by the CDR Register for the ID Token to encode the Claims in a JWT. Given the CDR Register does not issue ID tokens, this field can be safely ignored
subject_types_supported	[string]	mandatory	JSON array containing a list of the Subject Identifier types that the CDR Register supports. Given the CDR Register does not issue ID tokens, this field can be safely ignored
code_challenge_methods_supported	[string]	mandatory	JSON array containing a list of Proof Key for Code Exchange (PKCE) [RFC7636] code challenge methods supported by this authorization server. Given the CDR Register does not support PKCE, this field can be safely ignored
scopes_supported	[string]	mandatory	JSON array containing a list of the OAuth 2.0 [RFC6749] scope values that the CDR Register supports
response_types_supported	[string]	mandatory	JSON array containing a list of the OAuth 2.0 response_type values that the CDR Registrer supports
grant_types_supported	[string]	mandatory	JSON array containing a list of the OAuth 2.0 Grant Type values that the CDR Register supports
token_endpoint_auth_methods_supported	[string]	mandatory	JSON array containing a list of Client Authentication methods supported by this Token Endpoint
tls_client_certificate_bound_access_tokens	Boolean	mandatory	Boolean value indicating server support for mutual TLS client certificate bound access tokens
token_endpoint_auth_signing_alg_values_supported	[string]	mandatory	JSON array containing a list of the JWS signing algorithms (alg values) supported by the token endpoint for the signature on the JWT [JWT] used to authenticate the client at the token endpoint for the "private_key_jwt" authentication method

ResponseJWKS

{
  "keys": [
    {
      "alg": "string",
      "e": "string",
      "key_ops": [
        "string"
      ],
      "kid": "string",
      "kty": "string",
      "n": "string"
    }
  ]
}

Response containing the JSON Web Key Set

Properties

Name	Type	Required	Description
keys	[JWK]	mandatory	The value of the "keys" parameter is an array of JWK values

JWK

{
  "alg": "string",
  "e": "string",
  "key_ops": [
    "string"
  ],
  "kid": "string",
  "kty": "string",
  "n": "string"
}

Object representing a JSON Web Key

Properties

Name	Type	Required	Description
alg	ExternalRef	mandatory	The "alg" (algorithm) parameter identifies the algorithm intended for use with the key
e	ExternalRef	mandatory	The "e" RSA public exponent parameter
key_ops	[string]	mandatory	The "key_ops" (key operations) parameter identifies the operation(s) for which the key is intended to be used
kid	ExternalRef	mandatory	The "kid" (key ID) parameter is partially used to match a specific key. Note the "kid" parameter is not guaranteed unique and additional parameters should be used to progressively to identify a key within a set
kty	ExternalRef	mandatory	The "kty" (key type) parameter identifies the cryptographic algorithm family used with the key
n	ExternalRef	mandatory	The "n" RSA public modulus parameter

ResponseRegisterDataHolderBrandList

{
  "data": [
    {
      "dataHolderBrandId": "string",
      "brandName": "string",
      "industries": [
        "banking"
      ],
      "logoUri": "string",
      "legalEntity": {
        "legalEntityId": "string",
        "legalEntityName": "string",
        "logoUri": "string",
        "registrationNumber": "string",
        "registrationDate": "string",
        "registeredCountry": "string",
        "abn": "string",
        "acn": "string",
        "arbn": "string",
        "anzsicDivision": "string",
        "organisationType": "SOLE_TRADER",
        "status": "ACTIVE"
      },
      "status": "ACTIVE",
      "endpointDetail": {
        "version": "string",
        "publicBaseUri": "string",
        "resourceBaseUri": "string",
        "infosecBaseUri": "string",
        "extensionBaseUri": "string",
        "websiteUri": "string"
      },
      "authDetails": [
        {
          "registerUType": "SIGNED-JWT",
          "jwksEndpoint": "string"
        }
      ],
      "lastUpdated": "string"
    }
  ],
  "links": {
    "first": "string",
    "last": "string",
    "next": "string",
    "prev": "string",
    "self": "string"
  },
  "meta": {
    "totalPages": 0,
    "totalRecords": 0
  }
}

Response containing a list of CDR Register Data Holder Brand objects

Properties

Name	Type	Required	Description
data	[RegisterDataHolderBrand]	mandatory	Response data for the query
links	LinksPaginated	mandatory	none
meta	MetaPaginated	mandatory	none

RegisterDataHolderBrand

{
  "dataHolderBrandId": "string",
  "brandName": "string",
  "industries": [
    "banking"
  ],
  "logoUri": "string",
  "legalEntity": {
    "legalEntityId": "string",
    "legalEntityName": "string",
    "logoUri": "string",
    "registrationNumber": "string",
    "registrationDate": "string",
    "registeredCountry": "string",
    "abn": "string",
    "acn": "string",
    "arbn": "string",
    "anzsicDivision": "string",
    "organisationType": "SOLE_TRADER",
    "status": "ACTIVE"
  },
  "status": "ACTIVE",
  "endpointDetail": {
    "version": "string",
    "publicBaseUri": "string",
    "resourceBaseUri": "string",
    "infosecBaseUri": "string",
    "extensionBaseUri": "string",
    "websiteUri": "string"
  },
  "authDetails": [
    {
      "registerUType": "SIGNED-JWT",
      "jwksEndpoint": "string"
    }
  ],
  "lastUpdated": "string"
}

Properties

Name	Type	Required	Description
dataHolderBrandId	string	mandatory	Unique id of the Data Holder Brand issued by the CDR Register
brandName	string	mandatory	The name of Data Holder Brand
industries	[string]	mandatory	The industries the Data Holder Brand belongs to
logoUri	URIString	mandatory	Brand logo URI
legalEntity	LegalEntityDetail	mandatory	The data that is common to all organisations, regardless of the type (e.g. company, trust, partnership, government)
status	Enum	mandatory	none
endpointDetail	RegisterDataHolderBrandServiceEndpoint	mandatory	Endpoints related to Data Holder Brand services
authDetails	[RegisterDataHolderAuth]	mandatory	[Defines the mechanism used and associated endpoints for Data Holder to Data Recipient authentication]
lastUpdated	DateTimeString	mandatory	The date/time that the Data Holder Brand data was last updated in the Register

Enumerated Values

Property	Value
industries	banking
industries	energy
industries	telco
status	ACTIVE
status	INACTIVE
status	REMOVED

ResponseDataHoldersBrandSummaryList

{
  "data": [
    {
      "dataHolderBrandId": "string",
      "interimId": "string",
      "brandName": "string",
      "publicBaseUri": "string",
      "logoUri": "string",
      "industries": [
        "banking"
      ],
      "lastUpdated": "string",
      "abn": "string",
      "acn": "string",
      "arbn": "string"
    }
  ],
  "links": {
    "self": "string"
  },
  "meta": {}
}

Properties

Name	Type	Required	Description
data	[DataHolderBrandSummary]	mandatory	Response data for the query
links	Links	mandatory	none
meta	Meta	mandatory	none

DataHolderBrandSummary

{
  "dataHolderBrandId": "string",
  "interimId": "string",
  "brandName": "string",
  "publicBaseUri": "string",
  "logoUri": "string",
  "industries": [
    "banking"
  ],
  "lastUpdated": "string",
  "abn": "string",
  "acn": "string",
  "arbn": "string"
}

Properties

Name	Type	Required	Description
dataHolderBrandId	string	optional	Unique id of the Data Holder Brand issued by the CDR Register
interimId	string	optional	Interim id of the Data Holder Brand issued by the CDR Register. This is to be used to uniquely identify the record when dataHolderBrandId is not populated and is not to be reused
brandName	string	mandatory	The name of Data Holder Brand
publicBaseUri	URIString	mandatory	Base URI for the Data Holder's Consumer Data Standard public endpoints
logoUri	URIString	mandatory	Brand logo URI
industries	[string]	mandatory	The industries the Data Holder Brand belongs to
lastUpdated	DateTimeString	mandatory	The date/time that the Data Holder Brand data was last updated in the Register
abn	string	optional	Australian Business Number for the organisation
acn	string	optional	Australian Company Number for the organisation
arbn	string	optional	Australian Registered Body Number. ARBNs are issued to registrable Australian bodies and foreign companies

Enumerated Values

Property	Value
industries	banking
industries	energy
industries	telco

DataHoldersStatusList

{
  "data": [
    {
      "legalEntityId": "string",
      "status": "ACTIVE"
    }
  ],
  "links": {
    "self": "string"
  },
  "meta": {}
}

Properties

Name	Type	Required	Description
data	[DataHolderStatus]	mandatory	Response data for the query
links	Links	mandatory	none
meta	Meta	mandatory	none

DataHolderStatus

{
  "legalEntityId": "string",
  "status": "ACTIVE"
}

Properties

Name	Type	Required	Description
legalEntityId	string	mandatory	Unique id of the Data Holder Legal Entity issued by the CDR Register.
status	Enum	mandatory	Data Holder status in the CDR Register

Enumerated Values

Property	Value
status	ACTIVE
status	REMOVED

SoftwareProductsStatusList

{
  "data": [
    {
      "softwareProductId": "string",
      "status": "ACTIVE"
    }
  ],
  "links": {
    "self": "string"
  },
  "meta": {}
}

Properties

Name	Type	Required	Description
data	[SoftwareProductStatus]	mandatory	Response data for the query
links	Links	mandatory	none
meta	Meta	mandatory	none

SoftwareProductStatus

{
  "softwareProductId": "string",
  "status": "ACTIVE"
}

Properties

Name	Type	Required	Description
softwareProductId	string	mandatory	Unique id of the software product issued by the CDR Register
status	Enum	mandatory	Software product status in the CDR Register

Enumerated Values

Property	Value
status	ACTIVE
status	INACTIVE
status	REMOVED

DataRecipientsStatusList

{
  "data": [
    {
      "legalEntityId": "string",
      "status": "ACTIVE"
    }
  ],
  "links": {
    "self": "string"
  },
  "meta": {}
}

Properties

Name	Type	Required	Description
data	[DataRecipientStatus]	mandatory	Response data for the query
links	Links	mandatory	none
meta	Meta	mandatory	none

DataRecipientStatus

{
  "legalEntityId": "string",
  "status": "ACTIVE"
}

Properties

Name	Type	Required	Description
legalEntityId	string	mandatory	Unique id of the Data Recipient Legal Entity issued by the CDR Register
status	Enum	mandatory	Data Recipient status in the CDR Register

Enumerated Values

Property	Value
status	ACTIVE
status	SUSPENDED
status	REVOKED
status	SURRENDERED

ResponseRegisterDataRecipientList

{
  "data": [
    {
      "legalEntityId": "string",
      "legalEntityName": "string",
      "accreditationNumber": "string",
      "accreditationLevel": "UNRESTRICTED",
      "logoUri": "string",
      "dataRecipientBrands": [
        {
          "dataRecipientBrandId": "string",
          "brandName": "string",
          "logoUri": "string",
          "softwareProducts": [
            {
              "softwareProductId": "string",
              "softwareProductName": "string",
              "softwareProductDescription": "string",
              "logoUri": "string",
              "status": "ACTIVE"
            }
          ],
          "status": "ACTIVE"
        }
      ],
      "status": "ACTIVE",
      "lastUpdated": "string"
    }
  ],
  "links": {
    "self": "string"
  },
  "meta": {}
}

Response containing a list of Data Recipients in the CDR Register

Properties

Name	Type	Required	Description
data	[RegisterDataRecipient]	mandatory	Response data for the query
links	Links	mandatory	none
meta	Meta	mandatory	none

RegisterDataRecipient

{
  "legalEntityId": "string",
  "legalEntityName": "string",
  "accreditationNumber": "string",
  "accreditationLevel": "UNRESTRICTED",
  "logoUri": "string",
  "dataRecipientBrands": [
    {
      "dataRecipientBrandId": "string",
      "brandName": "string",
      "logoUri": "string",
      "softwareProducts": [
        {
          "softwareProductId": "string",
          "softwareProductName": "string",
          "softwareProductDescription": "string",
          "logoUri": "string",
          "status": "ACTIVE"
        }
      ],
      "status": "ACTIVE"
    }
  ],
  "status": "ACTIVE",
  "lastUpdated": "string"
}

Properties

Name	Type	Required	Description
legalEntityId	string	mandatory	Unique id of the Data Recipient Legal Entity issued by the CDR Register.
legalEntityName	string	mandatory	Legal name of the Data Recipient
accreditationNumber	string	mandatory	CDR Register issued human readable unique number given to Data Recipients upon accreditation
accreditationLevel	Enum	mandatory	Accreditation level of the Data Recipient in the CDR Register
logoUri	URIString	mandatory	Legal Entity logo URI
dataRecipientBrands	[DataRecipientBrandMetaData]	optional	[Metadata related to Data Recipient Brand]
status	Enum	mandatory	Data Recipient status in the CDR Register
lastUpdated	DateTimeString	mandatory	The date/time that the Legal Entity was last updated in the CDR Register

Enumerated Values

Property	Value
accreditationLevel	UNRESTRICTED
accreditationLevel	SPONSORED
status	ACTIVE
status	SUSPENDED
status	REVOKED
status	SURRENDERED

DataRecipientBrandMetaData

{
  "dataRecipientBrandId": "string",
  "brandName": "string",
  "logoUri": "string",
  "softwareProducts": [
    {
      "softwareProductId": "string",
      "softwareProductName": "string",
      "softwareProductDescription": "string",
      "logoUri": "string",
      "status": "ACTIVE"
    }
  ],
  "status": "ACTIVE"
}

Metadata related to Data Recipient Brand

Properties

Name	Type	Required	Description
dataRecipientBrandId	string	mandatory	Unique id of the Data Recipient brand issued by the CDR Register
brandName	string	mandatory	Data Recipient Brand name
logoUri	URIString	mandatory	Data Recipient Brand logo URI
softwareProducts	[SoftwareProductMetaData]	optional	[Data Recipient Brand Software Products]
status	Enum	mandatory	Data Recipient Brand status in the CDR Register

Enumerated Values

Property	Value
status	ACTIVE
status	INACTIVE
status	REMOVED

SoftwareProductMetaData

{
  "softwareProductId": "string",
  "softwareProductName": "string",
  "softwareProductDescription": "string",
  "logoUri": "string",
  "status": "ACTIVE"
}

Data Recipient Brand Software Products

Properties

Name	Type	Required	Description
softwareProductId	string	mandatory	Unique id of the Data Recipient software product issued by the CDR Register
softwareProductName	string	mandatory	Name of the software product
softwareProductDescription	string	mandatory	Description of the software product
logoUri	URIString	mandatory	Software product logo URI
status	Enum	mandatory	Software Product status in the CDR Register

Enumerated Values

Property	Value
status	ACTIVE
status	INACTIVE
status	REMOVED

LegalEntityDetail

{
  "legalEntityId": "string",
  "legalEntityName": "string",
  "logoUri": "string",
  "registrationNumber": "string",
  "registrationDate": "string",
  "registeredCountry": "string",
  "abn": "string",
  "acn": "string",
  "arbn": "string",
  "anzsicDivision": "string",
  "organisationType": "SOLE_TRADER",
  "status": "ACTIVE"
}

The data that is common to all organisations, regardless of the type (e.g. company, trust, partnership, government)

Properties

Name	Type	Required	Description
legalEntityId	string	mandatory	Unique id of the organisation issued by the CDR Register
legalEntityName	string	mandatory	Unique legal name of the organisation
logoUri	URIString	mandatory	Legal Entity logo URI
registrationNumber	string	optional	Unique registration number (if the company is registered outside Australia)
registrationDate	DateString	optional	Date of registration (if the company is registered outside Australia)
registeredCountry	string	optional	Country of registeration (if the company is registered outside Australia)
abn	string	optional	Australian Business Number for the organisation
acn	string	optional	Australian Company Number for the organisation
arbn	string	optional	Australian Registered Body Number. ARBNs are issued to registrable Australian bodies and foreign companies
anzsicDivision	ExternalRef	optional	ANZSIC division of the organisation. [ANZSIC-2006]
organisationType	Enum	optional	Legal organisation type
status	Enum	mandatory	none

Enumerated Values

Property	Value
organisationType	SOLE_TRADER
organisationType	COMPANY
organisationType	PARTNERSHIP
organisationType	TRUST
organisationType	GOVERNMENT_ENTITY
organisationType	OTHER
status	ACTIVE
status	REMOVED

RegisterDataHolderBrandServiceEndpoint

{
  "version": "string",
  "publicBaseUri": "string",
  "resourceBaseUri": "string",
  "infosecBaseUri": "string",
  "extensionBaseUri": "string",
  "websiteUri": "string"
}

Endpoints related to Data Holder Brand services

Properties

Name	Type	Required	Description
version	string	mandatory	The major version of the high level standards. This is not the version of the endpoint or the payload being requested but the version of the overall standards being applied. This version number will be "v" followed by the major version of the standards as a positive integer (e.g. v1, v12 or v76)
publicBaseUri	URIString	mandatory	Base URI for the Data Holder's Consumer Data Standard public endpoints
resourceBaseUri	URIString	mandatory	Base URI for the Data Holder's Consumer Data Standard resource endpoints
infosecBaseUri	URIString	mandatory	Base URI for the Data Holder's Consumer Data Standard information security endpoints
extensionBaseUri	URIString	optional	Base URI for the Data Holder extension endpoints to the Consumer Data Standard (optional)
websiteUri	URIString	mandatory	Publicly available website or web resource URI

RegisterDataHolderAuth

{
  "registerUType": "SIGNED-JWT",
  "jwksEndpoint": "string"
}

Defines the mechanism used and associated endpoints for Data Holder to Data Recipient authentication

Properties

Name	Type	Required	Description
registerUType	Enum	mandatory	The type of authentication and authorisation mechanism in use
jwksEndpoint	URIString	mandatory	JWKS endpoint used for authentication by the Data Holder with the Data Recipient

Enumerated Values

Property	Value
registerUType	SIGNED-JWT

LinksPaginated

{
  "first": "string",
  "last": "string",
  "next": "string",
  "prev": "string",
  "self": "string"
}

Properties

Name	Type	Required	Description
first	URIString	optional	URI to the first page of this set. Mandatory if this response is not the first page
last	URIString	optional	URI to the last page of this set. Mandatory if this response is not the last page
next	URIString	optional	URI to the next page of this set. Mandatory if this response is not the last page
prev	URIString	optional	URI to the previous page of this set. Mandatory if this response is not the first page
self	URIString	mandatory	Fully qualified link to this API call

MetaPaginated

{
  "totalPages": 0,
  "totalRecords": 0
}

Properties

Name	Type	Required	Description
totalPages	NaturalNumber	mandatory	The total number of pages in the full set
totalRecords	NaturalNumber	mandatory	The total number of records in the full set

Links

{
  "self": "string"
}

Properties

Name	Type	Required	Description
self	URIString	mandatory	Fully qualified link to this API call

Meta

{}

Properties

None

MetaError

{
  "urn": "string"
}

Additional data for customised error codes

Properties

Name	Type	Required	Description
urn	string	conditional	The CDR error code URN which the application-specific error code extends. Mandatory if the error code is an application-specific error rather than a standardised error code.

ResponseErrorListV2

{
  "errors": [
    {
      "code": "string",
      "title": "string",
      "detail": "string",
      "meta": {
        "urn": "string"
      }
    }
  ]
}

Properties

Name	Type	Required	Description
errors	[ResponseErrorListV2_errors]	mandatory	none

ResponseErrorListV2_errors

{
  "code": "string",
  "title": "string",
  "detail": "string",
  "meta": {
    "urn": "string"
  }
}

Properties

Name	Type	Required	Description
code	string	mandatory	The code of the error encountered. Where the error is specific to the respondent, an application-specific error code, expressed as a string value. If the error is application-specific, the URN code that the specific error extends must be provided in the meta object. Otherwise, the value is the error code URN.
title	string	mandatory	A short, human-readable summary of the problem that MUST NOT change from occurrence to occurrence of the problem represented by the error code.
detail	string	mandatory	A human-readable explanation specific to this occurrence of the problem.
meta	MetaError	optional	Additional data for customised error codes

Authorisation Scopes

The following authorisation scopes have been defined for the standards. Each API end point will specify which scopes are required to access the data available via that end point.

Public

Scope Name	Scope ID	Description
Public	NA	Openly accessible information. A customer would never need to grant this scope. This scope is included so that end points that can be called without requiring authorisation can be identified. Includes access to openly available information such as generic product information.

OpenID Connect End-User Data

These scopes are used to access OpenID Connect scopes and individually requested claims of the authenticated End-User.

Scope Name	Scope ID	Description
Profile Data	profile	This scope would allow for the third party to access basic profile information of the authenticated End-User. Further details are provided in CX Data Language: Profile Scope section.

CDR Data

These scopes are used to access authenticated resource endpoints that can be used to obtain CDR Data.

Scope Name	Scope ID	Description
Basic Bank Account Data	bank:accounts.basic:read	This scope would allow for the third party to access basic information of the customer’s accounts. Includes simple account information including balance. Does not include detailed account information such as account numbers, product information or transaction data.
Detailed Bank Account Data	bank:accounts.detail:read	This scope would allow for the third party to access detailed information of the customer’s accounts. This scope is effectively additional authorisation to the Basic Bank Account Data scope. Granting this authorisation only makes sense if the Bank Account Data scope is also authorised. Includes basic account information plus account identifiers and product information. Does not include transaction data.
Bank Transaction Data	bank:transactions:read	This scope would allow the third party to access transaction data for accounts. This scope is effectively additional authorisation to the Basic Bank Account Data scope. Granting this authorisation only makes sense if the Basic Bank Account Data scope is also authorised. Includes all account transaction data.
Bank Payee Data	bank:payees:read	This scope allows access to payee information stored by the customer. Includes payee information such as billers, international beneficiaries and domestic payees.
Bank Regular Payments	bank:regular_payments:read	The scope would allow the third party to access regular payments. Includes Direct Debits and Scheduled Payments.
Basic Service Point Data	energy:electricity.servicepoints.basic:read	This scope would allow for the third party to access basic standing data information of the customer’s service points. Includes simple standing data including the National Meter Identifier (NMI). Does not include detailed service point information such as loaction or meter attributres.
Detailed Service Point Data	energy:electricity.servicepoints.detail:read	This scope would allow for the third party to access detailed information of the customer’s service point connection. This scope is effectively additional authorisation to the Basic Service Point Data scope. Granting this authorisation only makes sense if the Service Point Data scope is also authorised. Includes basic service point information plus account identifiers and meter information. Does not include meter usage data.
Electricity Usage Data	energy:electricity.usage:read	This scope would allow the third party to access electricity usage data for service points. This scope is effectively additional authorisation to the Basic Service Point Data scope. Granting this authorisation only makes sense if the Basic Service Point Data scope is also authorised. Includes all electricity usage data including basic and interval meter meters.
Distributed Energy Resource Data	energy:electricity.der:read	This scope would allow the third party to access data about distributed energy resources for service points. This scope is effectively additional authorisation to the Basic Service Point Data scope. Granting this authorisation only makes sense if the Basic Service Point Data scope is also authorised. Includes distributed energy resource data available in AEMOs DER Register
Basic Energy Account Data	energy:accounts.basic:read	This scope would allow for the third party to access basic information of the customer’s energy accounts with retailers. Includes simple energy account information basic plan information and service points that are part of the account. Does not include detailed account information such as tailored plans, electricity contract details or discounts.
Detailed Energy Account Data	energy:accounts.detail:read	This scope would allow for the third party to access detailed information of the customer’s energy accounts with retailers. This scope is effectively additional authorisation to the Basic Energy Account Data scope. Granting this authorisation only makes sense if the Energy Account Data scope is also authorised. Includes basic energy account information plus tailored tariff information including charges included in the account or plan. Does not include usage data.
Energy Regular Payments Data	energy:accounts.paymentschedule:read	The scope would allow the third party to access payment schedules for energy accounts. Includes Direct Debit or Credit based Scheduled Payments and Manual Payments.
Energy Concession Data	energy:accounts.concessions:read	The scope would allow the third party to access the details of any concessions for a customer’s energy account.
Energy Billing Data	energy:billing:read	The scope would allow the third party to access the billing and invoice data for a customer’s energy account.
Basic Customer Data	common:customer.basic:read	The scope would allow the third party to access personally identifiable information about the customer. For retail customers this would be information about the customer themselves. For business customers it would imply the name of specific user but also information about the business. Includes name and occupation for individuals or name, business numbers and industry code for organisations
Detailed Customer Data	common:customer.detail:read	The scope would allow the third party to access more detailed information about the customer. Includes the data available with the Basic Customer Data scope plus contact details. Includes basic data plus phone, email and address information.

Admin & Registration

The following scopes are used for administrative interactions. These scopes MUST never be included in the same access token as a CDR Data scope.

Scope Name	Scope ID	Description
Basic Admin Metrics Data	admin:metrics.basic:read	Metrics data accessible ONLY to the CDR Register. If the Data Holder uses Private Key JWT Client Authentication to authenticate the CDR Register, this scope is required. Includes access to basic Metrics data.
Admin Metadata Update Data	admin:metadata:update	Update notification accessible ONLY to the CDR Register. If the Data Holder uses Private Key JWT Client Authentication to authenticate the CDR Register, this scope is required. Includes permission to notify Data Holders of changes to Data Recipient metadata held by the CDR Register.
Bank Participant Data	cdr-register:bank:read	This scope would allow Data Recipients and Data Holders access to participant metadata in the banking sector, held by the CDR Register. This scope is valid for the following endpoint versions: GetDataHolderBrands V1 GetSoftwareStatementAssertion V2 This scope is replaced by cdr-register:read for newer versions of these endpoints.
Participant Data	cdr-register:read	This scope would allow Data Recipients and Data Holders access to participant metadata held by the CDR Register. Replaces cdr-register:bank:read for the following endpoint versions: GetDataHolderBrands V2 GetSoftwareStatementAssertion V3
Register Client	cdr:registration	This scope would allow a Data Recipient to register or manage a software product client with a Data Holder.

Non-functional Requirements

The non-functional requirements (NFRs) for the Consumer Data Right regime cover a number of considerations:

• Minimum performance and availability expectations for data holders. Included to ensure a reliable and performant service is offered to Data Recipients and customers.
• Maximum traffic expectations for data holders. Included to ensure there is a ceiling for the amount of traffic that a data holder is expected to service.
• Requirements for reporting of performance. Included to provide transparency of performance without the need for time consuming auditing or inspection.
• Requirements for data latency and quality. Included to give a clear indication to the depth and recency of the data available under the regime.
• Limitations on the number of calls that a Data Recipient Software Product can make to a single provider. Included to protect data holders from poorly designed or overly transactional Data Recipient implementations.

Definitions

In the following definition of NFRs specific terms have the following meanings:

• Data Recipient Software Product: For the purposes of these NFRs a Data Recipient Software Product is defined, inline with the definition given in the CDR Federation, as a configured application presented in the register meta data. This acknowledges that a single accredited entity may be able to register multiple independent services (or apps) that can obtain authorisations from consumers independently of each other.
• Shared Responsibility Data Request: A request made to a secondary data holder by a Data Holder for designated data to fulfil a Consumer Data Request made by a Data Recipient Software Product.
• Session: A session is defined as the life span of a unique Access Token. Multiple API requests made with a single, valid, Access Token would be considered part of a single Session.
• Customer Present: Authenticated API requests made in direct response to interactions by the end customer using the digital services of the Data Recipient Software Product will be considered “Customer Present”. Technically a data holder will define an API request as “Customer Present” if, and only if, the x-fapi-customer-ip-address header is populated with a valid IP address of the end customer’s device.
• Customer Not Present: Authenticated API requests that are not deemed to be “Customer Present”
• Unattended: A synonym of “Customer Not Present”
• Authenticated: API requests to API end points that the standards require to be protected by security mechanisms that enforce explicit customer authorisation
• Unauthenticated: API requests to API end points that the standards deem to be publicly available. This implies that these end points may be accessed by any client without the client performing any authentication or authorisation actions
• High Traffic Period: Any time in the 18 hour period between 6am and 12am (midnight) is considered to be a high traffic period
• Low Traffic Period: Any time of the day not considered to be included in a high traffic period.
• Large Payload: An API which is capable of returning a large data response that would reasonably impose higher data retrieval times on the resource server. Typically bulk request end points.

Session Requirements

A expiry time of a unique session should be set according to the statements included in the Security Profile.

After a unique session is expired it is expected that the Data Recipient Software Product, for the same customer, may establish a new session as long as the authorisation is still valid.

Availability Requirements

Service availability requirement for data holders and secondary data holders: 99.5% per month

The definition of a period of unavailability is any period of time when any of the API end points defined in the standard is unable to reliably provide a successful response to an appropriately constructed request.

The availability requirement applies to both authenticated and unauthenticated end points.

The availability requirement does not include planned outages. Planned outages should be:

• Commensurate in length and frequency to other primary digital channels offered by the data holder,
• Published to Data Recipient Software Products with at least one week lead time for normal outages,
• May occur without notification if the change is to resolve a critical service or security issue.

The unavailability of a secondary data holder will mean that some requests cannot be fulfilled by a data holder making a Shared Responsibility Data Request. This will not be taken to mean that the data holder is unavailable.

Performance Requirements

API end point performance will be measured in response time of individual API requests from receipt of request to delivery of response.

It is understood that different response times can be measured depending on which technical layer of an API implementation stack is instrumented and that not all of the technical layers between the Data Recipient Software Product and the Data Holder will be in the control of the Data Holder. As this is implementation specific it is expected that the Data Holder will ensure that the measurement of response time occurs as close to the Data Recipient Software Product as practicable.

In light of these considerations, the performance requirement for Data Holders is:

95% of calls per hour responded to within a nominated threshold

The nominated threshold for each end point will be according to the following table:

Tier	Response Time	Applies To…
Unauthenticated	1500ms	All Unauthenticated end points not otherwise specified in a separate threshold.
High Priority	1000ms	All calls to the following end points: All InfoSec end points including Dynamic Client Registration CDR Arrangement Revocation The following Unauthenticated end points: Common Get Status Get Outages Customer Present calls to the following end points: Banking Get Accounts Energy Get Accounts Get Account Detail Get Balance For Account Get Invoices For Account Common Get Customer Get Customer Detail
Low Priority	1500ms	Customer Present calls to the following end points: Banking Get Account Detail Get Account Balance Get Bulk Balances Get Balances For Specific Accounts Get Transactions For Account Get Transaction Detail Get Payees Get Payee Detail Get Direct Debits For Account Get Scheduled Payments For Account Get Scheduled Payments Bulk Get Scheduled Payments For Specific Accounts Energy Get Agreed Payment Schedule Get Concessions Get Bulk Balances Get Balances For Specific Accounts Get Bulk Invoices Get Invoices For Specific Accounts Get Billing For Account
Unattended	4000ms	Unattended calls to the following end points that are not Large Payload end points: High Priority Authenticated end points Low Priority Authenticated end points All Admin end points.
Large Payload	6000ms	Any Unattended calls to the following end points: Banking Get Bulk Direct Debits Get Direct Debits For Specific Accounts Energy Get Bulk Billing Get Billing For Specific Accounts
Secondary Request	1000ms (for data holders) 1500ms (for secondary data holders)	Customer Present calls to the following end points: Energy Get Service Points Get Service Point Detail Get DER For Service Point
Large Secondary Request	1500ms (for data holders) 4500ms (for secondary data holders)	Unattended calls to the following end points: Energy Get Service Points Get Service Point Detail Get DER For Service Point All calls to the following end points: Energy Get Bulk Usage Get Usage For Service Point Get Usage For Specific Service Points Get Bulk DER Get DER For Specific Service Points

Note that calls initiated in excess of a traffic threshold (see next section) may be excluded from the performance requirement.

Traffic Thresholds

Calls in excess of the following traffic thresholds will be able to be freely throttled or rejected by a data holder without impact to their performance or availability requirements.

Traffic thresholds will be set using the following metrics:

• Number of sessions per day – the number of individual sessions initiated in a calendar day.
• Transactions Per Second (TPS) – the number of concurrent transactions each second.
• Number of calls – the number of end point calls initiated for a specified duration.

For Customer Present and authorisation traffic the following traffic thresholds will apply:

• Unlimited sessions per day
• 10 TPS per customer
• 50 TPS per Data Recipient Software Product

For Unattended traffic the following traffic thresholds will apply for low traffic periods:

• 20 sessions per day, per customer, per Data Recipient Software Product
• 100 total calls per session
• 5TPS per session
• 50 TPS per Data Recipient Software Product

For Unattended traffic during high traffic periods only best effort support is required.

For secure traffic (both Customer Present and Unattended) the following traffic thresholds will apply:

• 300 TPS total across all consumers

For Public traffic (i.e. traffic to unauthenticated end points) the following traffic thresholds will apply:

• 300 TPS total across all consumers (additive to secure traffic)

As traffic from Data Recipient Software Products to Data Holders will be shaped by the thresholds above, there are no specific thresholds applicable to secondary Data Holders.

Data Recipient Requirements

Data Recipient Software Products will be limited by the traffic thresholds documented in the previous section. In addition to this Data Recipients are expected to design their services according to the following principles:

• Services should be designed to minimise traffic with Data Holders
• Services should be designed to be resilient in the case of the rejection of a call by a Data Holder due to traffic threshold breaches
• Services should schedule unattended calls to avoid high traffic periods
• Unattended calls should be managed to avoid short term bursts of traffic

Reporting Requirements

The mechanism for reporting will be via the CDR Administration Endpoints.

The following information is to be reported:

• Availability for current month
• Availability for each of the previous twelve months
• Percentage of calls within performance threshold for current day
• Percentage of calls within performance threshold for each of the previous seven days
• Number of calls within each performance tier for current day
• Number of calls within each performance tier for each of the previous seven days
• Average response time within each performance tier for current day
• Average response time within each performance tier for each of the previous seven days
• Number of sessions for current day
• Number of sessions for each of the previous seven days
• Peak total TPS for current day
• Peak total TPS for each of the previous seven days
• Average TPS for current day
• Average TPS for each of the previous seven days
• Number of calls resulting in error due to server execution for current day
• Number of calls resulting in error due to server execution for each of the previous seven days
• Number of calls rejected due to traffic thresholds for current day
• Number of calls rejected due to traffic thresholds for each of the previous seven days
• Number of customers with active authorisations
• Number of Data Recipient Software Products with active authorisations

Data Latency

Within this proposal there is no specific requirement with regard to data latency (ie. how up to date data should be). Instead, the requirement for data latency is that data presented via API end points should be commensurate to data presented via other primary digital channels.

For example, for a Bank that provides a mobile application as their primary digital experience, a balance presented via one of the balance end points should be the same as the balance presented through the mobile application.

To be able to manage network efficiency using normal mechanisms, a data holder making Shared Responsibility Data Requests may cache the results from the secondary data holder for a short period of time to accommodate repeated, duplicate, calls from the Data Recipient Software Product. Any such cache should be short lived.

Data Quality

If a Data Holder of CDR data is required or authorised under the Consumer Data Rules to disclose product data, the Data Holder must take reasonable steps to ensure that the product data is, having regard to the purpose for which it is held, accurate, up to date and complete.

Data Holders are required to be able to demonstrate that reasonable steps to maintain data quality of product data are being undertaken.

Note: For the data quality requirements that apply to CDR data for which there are one or more CDR consumers, see Privacy Safeguard 11 (section 56EN of the Competition and Consumer Act 2010). There are requirements in Privacy Safeguard 11 for both Data Holders and Data Recipients. See Chapter 11 (Privacy Safeguard 11) of the OAIC’s CDR Privacy Safeguard Guidelines for further information.

Exemptions To Protect Service

In the event of the following extreme circumstances data holders will be able to obtain relief from non-functional requirements:

• Periods of time when the digital channels for the data holder are the target for a distributed denial of service or equivalent form of attack (this should result in http error 429 Too Many Requests being returned).
• A significant increase in traffic from a poorly designed or misbehaving Data Recipient Software Product (this should result in http error 429 Too Many Requests being returned).
• If the data holder identifies a situation where there is the potential for physical or financial harm or abuse (this should result in http error 403 Forbidden being returned).

Banking APIs

This specification defines the APIs for Data Holders exposing Banking endpoints.

Add `accountOwnership` field to the Get Accounts and Get Account Details end points.

+ Add v2 of Get Accounts
+ Add v3 of Get Account Details

Banking OpenAPI Specification (JSON)

Banking OpenAPI Specification (YAML)

Get Accounts

Code samples

GET https://data.holder.com.au/cds-au/v1/banking/accounts HTTP/1.1
Host: data.holder.com.au
Accept: application/json
x-v: string
x-min-v: string
x-fapi-interaction-id: string
x-fapi-auth-date: string
x-fapi-customer-ip-address: string
x-cds-client-headers: string

var headers = {
  'Accept':'application/json',
  'x-v':'string',
  'x-min-v':'string',
  'x-fapi-interaction-id':'string',
  'x-fapi-auth-date':'string',
  'x-fapi-customer-ip-address':'string',
  'x-cds-client-headers':'string'

};

$.ajax({
  url: 'https://data.holder.com.au/cds-au/v1/banking/accounts',
  method: 'get',

  headers: headers,
  success: function(data) {
    console.log(JSON.stringify(data));
  }
})

GET /banking/accounts

Obtain a list of accounts.

Obsolete versions: v1

Endpoint Version

Version	2

Parameters

Name	In	Type	Required	Description
product-category	query	string	optional	Used to filter results on the productCategory field applicable to accounts. Any one of the valid values for this field can be supplied. If absent then all accounts returned.)
open-status	query	string	optional	Used to filter results according to open/closed status. Values can be OPEN, CLOSED or ALL. If absent then ALL is assumed
is-owned	query	Boolean	optional	Filters accounts based on whether they are owned by the authorised customer. True for owned accounts, false for unowned accounts and absent for all accounts
page	query	PositiveInteger	optional	Page of results to request (standard pagination)
page-size	query	PositiveInteger	optional	Page size to request. Default is 25 (standard pagination)
x-v	header	string	mandatory	Version of the API end point requested by the client. Must be set to a positive integer. The data holder should respond with the highest supported version between x-min-v and x-v. If the value of x-min-v is equal to or higher than the value of x-v then the x-min-v header should be treated as absent. If all versions requested are not supported then the data holder must respond with a 406 Not Acceptable. See HTTP Headers
x-min-v	header	string	optional	Minimum version of the API end point requested by the client. Must be set to a positive integer if provided. The data holder should respond with the highest supported version between x-min-v and x-v. If all versions requested are not supported then the data holder must respond with a 406 Not Acceptable.
x-fapi-interaction-id	header	string	optional	An [RFC4122] UUID used as a correlation id. If provided, the data holder must play back this value in the x-fapi-interaction-id response header. If not provided a [RFC4122] UUID value is required to be provided in the response header to track the interaction.
x-fapi-auth-date	header	string	conditional	The time when the customer last logged in to the Data Recipient Software Product as described in [FAPI-R-Draft]. Required for all resource calls (customer present and unattended). Not required for unauthenticated calls.
x-fapi-customer-ip-address	header	string	optional	The customer's original IP address if the customer is currently logged in to the Data Recipient Software Product. The presence of this header indicates that the API is being called in a customer present context. Not to be included for unauthenticated calls.
x-cds-client-headers	header	Base64	conditional	The customer's original standard http headers Base64 encoded, including the original User Agent header, if the customer is currently logged in to the Data Recipient Software Product. Mandatory for customer present calls. Not required for unattended or unauthenticated calls.

Enumerated Values

Parameter	Value
product-category	BUSINESS_LOANS
product-category	CRED_AND_CHRG_CARDS
product-category	LEASES
product-category	MARGIN_LOANS
product-category	OVERDRAFTS
product-category	PERS_LOANS
product-category	REGULATED_TRUST_ACCOUNTS
product-category	RESIDENTIAL_MORTGAGES
product-category	TERM_DEPOSITS
product-category	TRADE_FINANCE
product-category	TRANS_AND_SAVINGS_ACCOUNTS
product-category	TRAVEL_CARDS
open-status	ALL
open-status	CLOSED
open-status	OPEN

Example responses

200 Response

{
  "data": {
    "accounts": [
      {
        "accountId": "string",
        "creationDate": "string",
        "displayName": "string",
        "nickname": "string",
        "openStatus": "CLOSED",
        "isOwned": true,
        "accountOwnership": "UNKNOWN",
        "maskedNumber": "string",
        "productCategory": "BUSINESS_LOANS",
        "productName": "string"
      }
    ]
  },
  "links": {
    "self": "string",
    "first": "string",
    "prev": "string",
    "next": "string",
    "last": "string"
  },
  "meta": {
    "totalRecords": 0,
    "totalPages": 0
  }
}

Responses

Status	Meaning	Description	Schema
200	OK	Success	ResponseBankingAccountListV2
400	Bad Request	The following error codes MUST be supported: 400 - Invalid Field 400 - Invalid Page Size 400 - Invalid Version	ResponseErrorListV2
406	Not Acceptable	The following error codes MUST be supported: 406 - Unsupported Version	ResponseErrorListV2
422	Unprocessable Entity	The following error codes MUST be supported: 422 - Invalid Page	ResponseErrorListV2

Response Headers

Status	Header	Type	Format	Description
200	x-v	string		The version of the API end point that the data holder has responded with.
200	x-fapi-interaction-id	string		An [RFC4122] UUID used as a correlation id. If provided, the data holder must play back this value in the x-fapi-interaction-id response header. If not provided a [RFC4122] UUID value is required to be provided in the response header to track the interaction.
400	x-fapi-interaction-id	string		An [RFC4122] UUID used as a correlation id. If provided, the data holder must play back this value in the x-fapi-interaction-id response header. If not provided a [RFC4122] UUID value is required to be provided in the response header to track the interaction.
406	x-fapi-interaction-id	string		An [RFC4122] UUID used as a correlation id. If provided, the data holder must play back this value in the x-fapi-interaction-id response header. If not provided a [RFC4122] UUID value is required to be provided in the response header to track the interaction.
422	x-fapi-interaction-id	string		An [RFC4122] UUID used as a correlation id. If provided, the data holder must play back this value in the x-fapi-interaction-id response header. If not provided a [RFC4122] UUID value is required to be provided in the response header to track the interaction.

Get Bulk Balances

Code samples

GET https://data.holder.com.au/cds-au/v1/banking/accounts/balances HTTP/1.1
Host: data.holder.com.au
Accept: application/json
x-v: string
x-min-v: string
x-fapi-interaction-id: string
x-fapi-auth-date: string
x-fapi-customer-ip-address: string
x-cds-client-headers: string

var headers = {
  'Accept':'application/json',
  'x-v':'string',
  'x-min-v':'string',
  'x-fapi-interaction-id':'string',
  'x-fapi-auth-date':'string',
  'x-fapi-customer-ip-address':'string',
  'x-cds-client-headers':'string'

};

$.ajax({
  url: 'https://data.holder.com.au/cds-au/v1/banking/accounts/balances',
  method: 'get',

  headers: headers,
  success: function(data) {
    console.log(JSON.stringify(data));
  }
})

GET /banking/accounts/balances

Obtain balances for multiple, filtered accounts

Endpoint Version

Version	1

Parameters

Name	In	Type	Required	Description
product-category	query	string	optional	Used to filter results on the productCategory field applicable to accounts. Any one of the valid values for this field can be supplied. If absent then all accounts returned.
open-status	query	string	optional	Used to filter results according to open/closed status. Values can be OPEN, CLOSED or ALL. If absent then ALL is assumed
is-owned	query	Boolean	optional	Filters accounts based on whether they are owned by the authorised customer. True for owned accounts, false for unowned accounts and absent for all accounts
page	query	PositiveInteger	optional	Page of results to request (standard pagination)
page-size	query	PositiveInteger	optional	Page size to request. Default is 25 (standard pagination)
x-v	header	string	mandatory	Version of the API end point requested by the client. Must be set to a positive integer. The data holder should respond with the highest supported version between x-min-v and x-v. If the value of x-min-v is equal to or higher than the value of x-v then the x-min-v header should be treated as absent. If all versions requested are not supported then the data holder must respond with a 406 Not Acceptable. See HTTP Headers
x-min-v	header	string	optional	Minimum version of the API end point requested by the client. Must be set to a positive integer if provided. The data holder should respond with the highest supported version between x-min-v and x-v. If all versions requested are not supported then the data holder must respond with a 406 Not Acceptable.
x-fapi-interaction-id	header	string	optional	An [RFC4122] UUID used as a correlation id. If provided, the data holder must play back this value in the x-fapi-interaction-id response header. If not provided a [RFC4122] UUID value is required to be provided in the response header to track the interaction.
x-fapi-auth-date	header	string	conditional	The time when the customer last logged in to the Data Recipient Software Product as described in [FAPI-R-Draft]. Required for all resource calls (customer present and unattended). Not required for unauthenticated calls.
x-fapi-customer-ip-address	header	string	optional	The customer's original IP address if the customer is currently logged in to the Data Recipient Software Product. The presence of this header indicates that the API is being called in a customer present context. Not to be included for unauthenticated calls.
x-cds-client-headers	header	Base64	conditional	The customer's original standard http headers Base64 encoded, including the original User Agent header, if the customer is currently logged in to the Data Recipient Software Product. Mandatory for customer present calls. Not required for unattended or unauthenticated calls.

Enumerated Values

Parameter	Value
product-category	BUSINESS_LOANS
product-category	CRED_AND_CHRG_CARDS
product-category	LEASES
product-category	MARGIN_LOANS
product-category	OVERDRAFTS
product-category	PERS_LOANS
product-category	REGULATED_TRUST_ACCOUNTS
product-category	RESIDENTIAL_MORTGAGES
product-category	TERM_DEPOSITS
product-category	TRADE_FINANCE
product-category	TRANS_AND_SAVINGS_ACCOUNTS
product-category	TRAVEL_CARDS
open-status	ALL
open-status	CLOSED
open-status	OPEN

Example responses

200 Response

{
  "data": {
    "balances": [
      {
        "accountId": "string",
        "currentBalance": "string",
        "availableBalance": "string",
        "creditLimit": "string",
        "amortisedLimit": "string",
        "currency": "string",
        "purses": [
          {
            "amount": "string",
            "currency": "string"
          }
        ]
      }
    ]
  },
  "links": {
    "self": "string",
    "first": "string",
    "prev": "string",
    "next": "string",
    "last": "string"
  },
  "meta": {
    "totalRecords": 0,
    "totalPages": 0
  }
}

Responses

Status	Meaning	Description	Schema
200	OK	Success	ResponseBankingAccountsBalanceList
400	Bad Request	The following error codes MUST be supported: 400 - Invalid Field 400 - Invalid Page Size 400 - Invalid Version	ResponseErrorListV2
406	Not Acceptable	The following error codes MUST be supported: 406 - Unsupported Version	ResponseErrorListV2
422	Unprocessable Entity	The following error codes MUST be supported: 422 - Invalid Page	ResponseErrorListV2

Response Headers

Status	Header	Type	Format	Description
200	x-v	string		The version of the API end point that the data holder has responded with.
200	x-fapi-interaction-id	string		An [RFC4122] UUID used as a correlation id. If provided, the data holder must play back this value in the x-fapi-interaction-id response header. If not provided a [RFC4122] UUID value is required to be provided in the response header to track the interaction.
400	x-fapi-interaction-id	string		An [RFC4122] UUID used as a correlation id. If provided, the data holder must play back this value in the x-fapi-interaction-id response header. If not provided a [RFC4122] UUID value is required to be provided in the response header to track the interaction.
406	x-fapi-interaction-id	string		An [RFC4122] UUID used as a correlation id. If provided, the data holder must play back this value in the x-fapi-interaction-id response header. If not provided a [RFC4122] UUID value is required to be provided in the response header to track the interaction.
422	x-fapi-interaction-id	string		An [RFC4122] UUID used as a correlation id. If provided, the data holder must play back this value in the x-fapi-interaction-id response header. If not provided a [RFC4122] UUID value is required to be provided in the response header to track the interaction.

Get Balances For Specific Accounts

Code samples

POST https://data.holder.com.au/cds-au/v1/banking/accounts/balances HTTP/1.1
Host: data.holder.com.au
Content-Type: application/json
Accept: application/json
x-v: string
x-min-v: string
x-fapi-interaction-id: string
x-fapi-auth-date: string
x-fapi-customer-ip-address: string
x-cds-client-headers: string

var headers = {
  'Content-Type':'application/json',
  'Accept':'application/json',
  'x-v':'string',
  'x-min-v':'string',
  'x-fapi-interaction-id':'string',
  'x-fapi-auth-date':'string',
  'x-fapi-customer-ip-address':'string',
  'x-cds-client-headers':'string'

};

$.ajax({
  url: 'https://data.holder.com.au/cds-au/v1/banking/accounts/balances',
  method: 'post',

  headers: headers,
  success: function(data) {
    console.log(JSON.stringify(data));
  }
})

POST /banking/accounts/balances

Obtain balances for a specified list of accounts

Body parameter

{
  "data": {
    "accountIds": [
      "string"
    ]
  },
  "meta": {}
}

Endpoint Version

Version	1

Parameters

Name	In	Type	Required	Description
page	query	PositiveInteger	optional	Page of results to request (standard pagination)
page-size	query	PositiveInteger	optional	Page size to request. Default is 25 (standard pagination)
x-v	header	string	mandatory	Version of the API end point requested by the client. Must be set to a positive integer. The data holder should respond with the highest supported version between x-min-v and x-v. If the value of x-min-v is equal to or higher than the value of x-v then the x-min-v header should be treated as absent. If all versions requested are not supported then the data holder must respond with a 406 Not Acceptable. See HTTP Headers
x-min-v	header	string	optional	Minimum version of the API end point requested by the client. Must be set to a positive integer if provided. The data holder should respond with the highest supported version between x-min-v and x-v. If all versions requested are not supported then the data holder must respond with a 406 Not Acceptable.
x-fapi-interaction-id	header	string	optional	An [RFC4122] UUID used as a correlation id. If provided, the data holder must play back this value in the x-fapi-interaction-id response header. If not provided a [RFC4122] UUID value is required to be provided in the response header to track the interaction.
x-fapi-auth-date	header	string	conditional	The time when the customer last logged in to the Data Recipient Software Product as described in [FAPI-R-Draft]. Required for all resource calls (customer present and unattended). Not required for unauthenticated calls.
x-fapi-customer-ip-address	header	string	optional	The customer's original IP address if the customer is currently logged in to the Data Recipient Software Product. The presence of this header indicates that the API is being called in a customer present context. Not to be included for unauthenticated calls.
x-cds-client-headers	header	Base64	conditional	The customer's original standard http headers Base64 encoded, including the original User Agent header, if the customer is currently logged in to the Data Recipient Software Product. Mandatory for customer present calls. Not required for unattended or unauthenticated calls.
body	body	RequestAccountIds	mandatory	The list of account IDs to obtain balances for

Example responses

200 Response

{
  "data": {
    "balances": [
      {
        "accountId": "string",
        "currentBalance": "string",
        "availableBalance": "string",
        "creditLimit": "string",
        "amortisedLimit": "string",
        "currency": "string",
        "purses": [
          {
            "amount": "string",
            "currency": "string"
          }
        ]
      }
    ]
  },
  "links": {
    "self": "string",
    "first": "string",
    "prev": "string",
    "next": "string",
    "last": "string"
  },
  "meta": {
    "totalRecords": 0,
    "totalPages": 0
  }
}

Responses

Status	Meaning	Description	Schema
200	OK	Success	ResponseBankingAccountsBalanceList
400	Bad Request	The following error codes MUST be supported: 400 - Invalid Field 400 - Invalid Page Size 400 - Invalid Version	ResponseErrorListV2
406	Not Acceptable	The following error codes MUST be supported: 406 - Unsupported Version	ResponseErrorListV2
422	Unprocessable Entity	The following error codes MUST be supported: 422 - Invalid Page 422 - Unavailable Banking Account 422 - Invalid Banking Account	ResponseErrorListV2

Response Headers

Status	Header	Type	Format	Description
200	x-v	string		The version of the API end point that the data holder has responded with.
200	x-fapi-interaction-id	string		An [RFC4122] UUID used as a correlation id. If provided, the data holder must play back this value in the x-fapi-interaction-id response header. If not provided a [RFC4122] UUID value is required to be provided in the response header to track the interaction.
400	x-fapi-interaction-id	string		An [RFC4122] UUID used as a correlation id. If provided, the data holder must play back this value in the x-fapi-interaction-id response header. If not provided a [RFC4122] UUID value is required to be provided in the response header to track the interaction.
406	x-fapi-interaction-id	string		An [RFC4122] UUID used as a correlation id. If provided, the data holder must play back this value in the x-fapi-interaction-id response header. If not provided a [RFC4122] UUID value is required to be provided in the response header to track the interaction.
422	x-fapi-interaction-id	string		An [RFC4122] UUID used as a correlation id. If provided, the data holder must play back this value in the x-fapi-interaction-id response header. If not provided a [RFC4122] UUID value is required to be provided in the response header to track the interaction.

Get Account Balance

Code samples

GET https://data.holder.com.au/cds-au/v1/banking/accounts/{accountId}/balance HTTP/1.1
Host: data.holder.com.au
Accept: application/json
x-v: string
x-min-v: string
x-fapi-interaction-id: string
x-fapi-auth-date: string
x-fapi-customer-ip-address: string
x-cds-client-headers: string

var headers = {
  'Accept':'application/json',
  'x-v':'string',
  'x-min-v':'string',
  'x-fapi-interaction-id':'string',
  'x-fapi-auth-date':'string',
  'x-fapi-customer-ip-address':'string',
  'x-cds-client-headers':'string'

};

$.ajax({
  url: 'https://data.holder.com.au/cds-au/v1/banking/accounts/{accountId}/balance',
  method: 'get',

  headers: headers,
  success: function(data) {
    console.log(JSON.stringify(data));
  }
})

GET /banking/accounts/{accountId}/balance

Obtain the balance for a single specified account

Endpoint Version

Version	1

Parameters

Name	In	Type	Required	Description
accountId	path	ASCIIString	mandatory	ID of the specific account requested
x-v	header	string	mandatory	Version of the API end point requested by the client. Must be set to a positive integer. The data holder should respond with the highest supported version between x-min-v and x-v. If the value of x-min-v is equal to or higher than the value of x-v then the x-min-v header should be treated as absent. If all versions requested are not supported then the data holder must respond with a 406 Not Acceptable. See HTTP Headers
x-min-v	header	string	optional	Minimum version of the API end point requested by the client. Must be set to a positive integer if provided. The data holder should respond with the highest supported version between x-min-v and x-v. If all versions requested are not supported then the data holder must respond with a 406 Not Acceptable.
x-fapi-interaction-id	header	string	optional	An [RFC4122] UUID used as a correlation id. If provided, the data holder must play back this value in the x-fapi-interaction-id response header. If not provided a [RFC4122] UUID value is required to be provided in the response header to track the interaction.
x-fapi-auth-date	header	string	conditional	The time when the customer last logged in to the Data Recipient Software Product as described in [FAPI-R-Draft]. Required for all resource calls (customer present and unattended). Not required for unauthenticated calls.
x-fapi-customer-ip-address	header	string	optional	The customer's original IP address if the customer is currently logged in to the Data Recipient Software Product. The presence of this header indicates that the API is being called in a customer present context. Not to be included for unauthenticated calls.
x-cds-client-headers	header	Base64	conditional	The customer's original standard http headers Base64 encoded, including the original User Agent header, if the customer is currently logged in to the Data Recipient Software Product. Mandatory for customer present calls. Not required for unattended or unauthenticated calls.

Example responses

200 Response

{
  "data": {
    "accountId": "string",
    "currentBalance": "string",
    "availableBalance": "string",
    "creditLimit": "string",
    "amortisedLimit": "string",
    "currency": "string",
    "purses": [
      {
        "amount": "string",
        "currency": "string"
      }
    ]
  },
  "links": {
    "self": "string"
  },
  "meta": {}
}

Responses

Status	Meaning	Description	Schema
200	OK	Success	ResponseBankingAccountsBalanceById
400	Bad Request	The following error codes MUST be supported: 400 - Invalid Field 400 - Invalid Version	ResponseErrorListV2
404	Not Found	The following error codes MUST be supported: 404 - Unavailable Banking Account 404 - Invalid Banking Account	ResponseErrorListV2
406	Not Acceptable	The following error codes MUST be supported: 406 - Unsupported Version	ResponseErrorListV2

Response Headers

Status	Header	Type	Format	Description
200	x-v	string		The version of the API end point that the data holder has responded with.
200	x-fapi-interaction-id	string		An [RFC4122] UUID used as a correlation id. If provided, the data holder must play back this value in the x-fapi-interaction-id response header. If not provided a [RFC4122] UUID value is required to be provided in the response header to track the interaction.
400	x-fapi-interaction-id	string		An [RFC4122] UUID used as a correlation id. If provided, the data holder must play back this value in the x-fapi-interaction-id response header. If not provided a [RFC4122] UUID value is required to be provided in the response header to track the interaction.
404	x-fapi-interaction-id	string		An [RFC4122] UUID used as a correlation id. If provided, the data holder must play back this value in the x-fapi-interaction-id response header. If not provided a [RFC4122] UUID value is required to be provided in the response header to track the interaction.
406	x-fapi-interaction-id	string		An [RFC4122] UUID used as a correlation id. If provided, the data holder must play back this value in the x-fapi-interaction-id response header. If not provided a [RFC4122] UUID value is required to be provided in the response header to track the interaction.

Get Account Detail

Code samples

GET https://data.holder.com.au/cds-au/v1/banking/accounts/{accountId} HTTP/1.1
Host: data.holder.com.au
Accept: application/json
x-v: string
x-min-v: string
x-fapi-interaction-id: string
x-fapi-auth-date: string
x-fapi-customer-ip-address: string
x-cds-client-headers: string

var headers = {
  'Accept':'application/json',
  'x-v':'string',
  'x-min-v':'string',
  'x-fapi-interaction-id':'string',
  'x-fapi-auth-date':'string',
  'x-fapi-customer-ip-address':'string',
  'x-cds-client-headers':'string'

};

$.ajax({
  url: 'https://data.holder.com.au/cds-au/v1/banking/accounts/{accountId}',
  method: 'get',

  headers: headers,
  success: function(data) {
    console.log(JSON.stringify(data));
  }
})

GET /banking/accounts/{accountId}

Obtain detailed information on a single account.

Obsolete versions: v1, v2

Endpoint Version

Version	3

Parameters

Name	In	Type	Required	Description
accountId	path	ASCIIString	mandatory	A tokenised identifier for the account which is unique but not shareable
x-v	header	string	mandatory	Version of the API end point requested by the client. Must be set to a positive integer. The data holder should respond with the highest supported version between x-min-v and x-v. If the value of x-min-v is equal to or higher than the value of x-v then the x-min-v header should be treated as absent. If all versions requested are not supported then the data holder must respond with a 406 Not Acceptable. See HTTP Headers
x-min-v	header	string	optional	Minimum version of the API end point requested by the client. Must be set to a positive integer if provided. The data holder should respond with the highest supported version between x-min-v and x-v. If all versions requested are not supported then the data holder must respond with a 406 Not Acceptable.
x-fapi-interaction-id	header	string	optional	An [RFC4122] UUID used as a correlation id. If provided, the data holder must play back this value in the x-fapi-interaction-id response header. If not provided a [RFC4122] UUID value is required to be provided in the response header to track the interaction.
x-fapi-auth-date	header	string	conditional	The time when the customer last logged in to the Data Recipient Software Product as described in [FAPI-R-Draft]. Required for all resource calls (customer present and unattended). Not required for unauthenticated calls.
x-fapi-customer-ip-address	header	string	optional	The customer's original IP address if the customer is currently logged in to the Data Recipient Software Product. The presence of this header indicates that the API is being called in a customer present context. Not to be included for unauthenticated calls.
x-cds-client-headers	header	Base64	conditional	The customer's original standard http headers Base64 encoded, including the original User Agent header, if the customer is currently logged in to the Data Recipient Software Product. Mandatory for customer present calls. Not required for unattended or unauthenticated calls.

Example responses

200 Response

{
  "data": {
    "accountId": "string",
    "creationDate": "string",
    "displayName": "string",
    "nickname": "string",
    "openStatus": "CLOSED",
    "isOwned": true,
    "accountOwnership": "UNKNOWN",
    "maskedNumber": "string",
    "productCategory": "BUSINESS_LOANS",
    "productName": "string",
    "bsb": "string",
    "accountNumber": "string",
    "bundleName": "string",
    "specificAccountUType": "creditCard",
    "termDeposit": [
      {
        "lodgementDate": "string",
        "maturityDate": "string",
        "maturityAmount": "string",
        "maturityCurrency": "string",
        "maturityInstructions": "HOLD_ON_MATURITY"
      }
    ],
    "creditCard": {
      "minPaymentAmount": "string",
      "paymentDueAmount": "string",
      "paymentCurrency": "string",
      "paymentDueDate": "string"
    },
    "loan": {
      "originalStartDate": "string",
      "originalLoanAmount": "string",
      "originalLoanCurrency": "string",
      "loanEndDate": "string",
      "nextInstalmentDate": "string",
      "minInstalmentAmount": "string",
      "minInstalmentCurrency": "string",
      "maxRedraw": "string",
      "maxRedrawCurrency": "string",
      "minRedraw": "string",
      "minRedrawCurrency": "string",
      "offsetAccountEnabled": true,
      "offsetAccountIds": [
        "string"
      ],
      "repaymentType": "INTEREST_ONLY",
      "repaymentFrequency": "string"
    },
    "depositRate": "string",
    "lendingRate": "string",
    "depositRates": [
      {
        "depositRateType": "BONUS",
        "rate": "string",
        "calculationFrequency": "string",
        "applicationFrequency": "string",
        "tiers": [
          {
            "name": "string",
            "unitOfMeasure": "DAY",
            "minimumValue": 0,
            "maximumValue": 0,
            "rateApplicationMethod": "PER_TIER",
            "applicabilityConditions": {
              "additionalInfo": "string",
              "additionalInfoUri": "string"
            },
            "additionalInfo": "string",
            "additionalInfoUri": "string"
          }
        ],
        "additionalValue": "string",
        "additionalInfo": "string",
        "additionalInfoUri": "string"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "BUNDLE_DISCOUNT_FIXED",
        "rate": "string",
        "comparisonRate": "string",
        "calculationFrequency": "string",
        "applicationFrequency": "string",
        "interestPaymentDue": "IN_ADVANCE",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "string",
            "unitOfMeasure": "DAY",
            "minimumValue": 0,
            "maximumValue": 0,
            "rateApplicationMethod": "PER_TIER",
            "applicabilityConditions": {
              "additionalInfo": "string",
              "additionalInfoUri": "string"
            },
            "additionalInfo": "string",
            "additionalInfoUri": "string"
          }
        ],
        "additionalValue": "string",
        "additionalInfo": "string",
        "additionalInfoUri": "string"
      }
    ],
    "features": [
      {
        "featureType": "ADDITIONAL_CARDS",
        "additionalValue": "string",
        "additionalInfo": "string",
        "additionalInfoUri": "string",
        "isActivated": true
      }
    ],
    "fees": [
      {
        "name": "string",
        "feeType": "DEPOSIT",
        "amount": "string",
        "balanceRate": "string",
        "transactionRate": "string",
        "accruedRate": "string",
        "accrualFrequency": "string",
        "currency": "string",
        "additionalValue": "string",
        "additionalInfo": "string",
        "additionalInfoUri": "string",
        "discounts": [
          {
            "description": "string",
            "discountType": "BALANCE",
            "amount": "string",
            "balanceRate": "string",
            "transactionRate": "string",
            "accruedRate": "string",
            "feeRate": "string",
            "additionalValue": "string",
            "additionalInfo": "string",
            "additionalInfoUri": "string",
            "eligibility": [
              {
                "discountEligibilityType": "BUSINESS",
                "additionalValue": "string",
                "additionalInfo": "string",
                "additionalInfoUri": "string"
              }
            ]
          }
        ]
      }
    ],
    "addresses": [
      {
        "addressUType": "paf",
        "simple": {
          "mailingName": "string",
          "addressLine1": "string",
          "addressLine2": "string",
          "addressLine3": "string",
          "postcode": "string",
          "city": "string",
          "state": "string",
          "country": "AUS"
        },
        "paf": {
          "dpid": "string",
          "thoroughfareNumber1": 0,
          "thoroughfareNumber1Suffix": "string",
          "thoroughfareNumber2": 0,
          "thoroughfareNumber2Suffix": "string",
          "flatUnitType": "string",
          "flatUnitNumber": "string",
          "floorLevelType": "string",
          "floorLevelNumber": "string",
          "lotNumber": "string",
          "buildingName1": "string",
          "buildingName2": "string",
          "streetName": "string",
          "streetType": "string",
          "streetSuffix": "string",
          "postalDeliveryType": "string",
          "postalDeliveryNumber": 0,
          "postalDeliveryNumberPrefix": "string",
          "postalDeliveryNumberSuffix": "string",
          "localityName": "string",
          "postcode": "string",
          "state": "string"
        }
      }
    ]
  },
  "links": {
    "self": "string"
  },
  "meta": {}
}

Responses

Status	Meaning	Description	Schema
200	OK	Success	ResponseBankingAccountByIdV3
400	Bad Request	The following error codes MUST be supported: 400 - Invalid Field 400 - Invalid Version	ResponseErrorListV2
404	Not Found	The following error codes MUST be supported: 404 - Unavailable Banking Account 404 - Invalid Banking Account	ResponseErrorListV2
406	Not Acceptable	The following error codes MUST be supported: 406 - Unsupported Version	ResponseErrorListV2

Response Headers

Status	Header	Type	Format	Description
200	x-v	string		The version of the API end point that the data holder has responded with.
200	x-fapi-interaction-id	string		An [RFC4122] UUID used as a correlation id. If provided, the data holder must play back this value in the x-fapi-interaction-id response header. If not provided a [RFC4122] UUID value is required to be provided in the response header to track the interaction.
400	x-fapi-interaction-id	string		An [RFC4122] UUID used as a correlation id. If provided, the data holder must play back this value in the x-fapi-interaction-id response header. If not provided a [RFC4122] UUID value is required to be provided in the response header to track the interaction.
404	x-fapi-interaction-id	string		An [RFC4122] UUID used as a correlation id. If provided, the data holder must play back this value in the x-fapi-interaction-id response header. If not provided a [RFC4122] UUID value is required to be provided in the response header to track the interaction.
406	x-fapi-interaction-id	string		An [RFC4122] UUID used as a correlation id. If provided, the data holder must play back this value in the x-fapi-interaction-id response header. If not provided a [RFC4122] UUID value is required to be provided in the response header to track the interaction.

Get Transactions For Account

Code samples

GET https://data.holder.com.au/cds-au/v1/banking/accounts/{accountId}/transactions HTTP/1.1
Host: data.holder.com.au
Accept: application/json
x-v: string
x-min-v: string
x-fapi-interaction-id: string
x-fapi-auth-date: string
x-fapi-customer-ip-address: string
x-cds-client-headers: string

var headers = {
  'Accept':'application/json',
  'x-v':'string',
  'x-min-v':'string',
  'x-fapi-interaction-id':'string',
  'x-fapi-auth-date':'string',
  'x-fapi-customer-ip-address':'string',
  'x-cds-client-headers':'string'

};

$.ajax({
  url: 'https://data.holder.com.au/cds-au/v1/banking/accounts/{accountId}/transactions',
  method: 'get',

  headers: headers,
  success: function(data) {
    console.log(JSON.stringify(data));
  }
})

GET /banking/accounts/{accountId}/transactions

Obtain transactions for a specific account.

Some general notes that apply to all end points that retrieve transactions:

• Where multiple transactions are returned, transactions should be ordered according to effective date in descending order
• As the date and time for a transaction can alter depending on status and transaction type two separate date/times are included in the payload. There are still some scenarios where neither of these time stamps is available. For the purpose of filtering and ordering it is expected that the data holder will use the "effective" date/time which will be defined as:
  • Posted date/time if available, then
  • Execution date/time if available, then
  • A reasonable date/time nominated by the data holder using internal data structures
• For transaction amounts it should be assumed that a negative value indicates a reduction of the available balance on the account while a positive value indicates an increase in the available balance on the account
• For aggregated transactions (ie. groups of sub transactions reported as a single entry for the account) only the aggregated information, with as much consistent information accross the subsidiary transactions as possible, is required to be shared

Endpoint Version

Version	1

Parameters

Name	In	Type	Required	Description
accountId	path	ASCIIString	mandatory	ID of the account to get transactions for. Must have previously been returned by one of the account list end points.
oldest-time	query	DateTimeString	optional	Constrain the transaction history request to transactions with effective time at or after this date/time. If absent defaults to newest-time minus 90 days. Format is aligned to DateTimeString common type
newest-time	query	DateTimeString	optional	Constrain the transaction history request to transactions with effective time at or before this date/time. If absent defaults to today. Format is aligned to DateTimeString common type
min-amount	query	AmountString	optional	Filter transactions to only transactions with amounts higher or equal to than this amount
max-amount	query	AmountString	optional	Filter transactions to only transactions with amounts less than or equal to than this amount
text	query	string	optional	Filter transactions to only transactions where this string value is found as a substring of either the reference or description fields. Format is arbitrary ASCII string. This parameter is optionally implemented by data holders. If it is not implemented then a response should be provided as normal without text filtering applied and an additional boolean field named isQueryParamUnsupported should be included in the meta object and set to true (whether the text parameter is supplied or not)
page	query	PositiveInteger	optional	Page of results to request (standard pagination)
page-size	query	PositiveInteger	optional	Page size to request. Default is 25 (standard pagination)
x-v	header	string	mandatory	Version of the API end point requested by the client. Must be set to a positive integer. The data holder should respond with the highest supported version between x-min-v and x-v. If the value of x-min-v is equal to or higher than the value of x-v then the x-min-v header should be treated as absent. If all versions requested are not supported then the data holder must respond with a 406 Not Acceptable. See HTTP Headers
x-min-v	header	string	optional	Minimum version of the API end point requested by the client. Must be set to a positive integer if provided. The data holder should respond with the highest supported version between x-min-v and x-v. If all versions requested are not supported then the data holder must respond with a 406 Not Acceptable.
x-fapi-interaction-id	header	string	optional	An [RFC4122] UUID used as a correlation id. If provided, the data holder must play back this value in the x-fapi-interaction-id response header. If not provided a [RFC4122] UUID value is required to be provided in the response header to track the interaction.
x-fapi-auth-date	header	string	conditional	The time when the customer last logged in to the Data Recipient Software Product as described in [FAPI-R-Draft]. Required for all resource calls (customer present and unattended). Not required for unauthenticated calls.
x-fapi-customer-ip-address	header	string	optional	The customer's original IP address if the customer is currently logged in to the Data Recipient Software Product. The presence of this header indicates that the API is being called in a customer present context. Not to be included for unauthenticated calls.
x-cds-client-headers	header	Base64	conditional	The customer's original standard http headers Base64 encoded, including the original User Agent header, if the customer is currently logged in to the Data Recipient Software Product. Mandatory for customer present calls. Not required for unattended or unauthenticated calls.

Example responses

200 Response

{
  "data": {
    "transactions": [
      {
        "accountId": "string",
        "transactionId": "string",
        "isDetailAvailable": true,
        "type": "DIRECT_DEBIT",
        "status": "PENDING",
        "description": "string",
        "postingDateTime": "string",
        "valueDateTime": "string",
        "executionDateTime": "string",
        "amount": "string",
        "currency": "string",
        "reference": "string",
        "merchantName": "string",
        "merchantCategoryCode": "string",
        "billerCode": "string",
        "billerName": "string",
        "crn": "string",
        "apcaNumber": "string"
      }
    ]
  },
  "links": {
    "self": "string",
    "first": "string",
    "prev": "string",
    "next": "string",
    "last": "string"
  },
  "meta": {
    "totalRecords": 0,
    "totalPages": 0
  }
}

Responses

Status	Meaning	Description	Schema
200	OK	Success	ResponseBankingTransactionList
400	Bad Request	The following error codes MUST be supported: 400 - Invalid Field 400 - Invalid Page Size 400 - Invalid Version 400 - Invalid Date	ResponseErrorListV2
404	Not Found	The following error codes MUST be supported: 404 - Unavailable Banking Account 404 - Invalid Banking Account	ResponseErrorListV2
406	Not Acceptable	The following error codes MUST be supported: 406 - Unsupported Version	ResponseErrorListV2
422	Unprocessable Entity	The following error codes MUST be supported: 422 - Invalid Page	ResponseErrorListV2

Response Headers

Status	Header	Type	Format	Description
200	x-v	string		The version of the API end point that the data holder has responded with.
200	x-fapi-interaction-id	string		An [RFC4122] UUID used as a correlation id. If provided, the data holder must play back this value in the x-fapi-interaction-id response header. If not provided a [RFC4122] UUID value is required to be provided in the response header to track the interaction.
400	x-fapi-interaction-id	string		An [RFC4122] UUID used as a correlation id. If provided, the data holder must play back this value in the x-fapi-interaction-id response header. If not provided a [RFC4122] UUID value is required to be provided in the response header to track the interaction.
404	x-fapi-interaction-id	string		An [RFC4122] UUID used as a correlation id. If provided, the data holder must play back this value in the x-fapi-interaction-id response header. If not provided a [RFC4122] UUID value is required to be provided in the response header to track the interaction.
406	x-fapi-interaction-id	string		An [RFC4122] UUID used as a correlation id. If provided, the data holder must play back this value in the x-fapi-interaction-id response header. If not provided a [RFC4122] UUID value is required to be provided in the response header to track the interaction.
422	x-fapi-interaction-id	string		An [RFC4122] UUID used as a correlation id. If provided, the data holder must play back this value in the x-fapi-interaction-id response header. If not provided a [RFC4122] UUID value is required to be provided in the response header to track the interaction.

Get Transaction Detail

Code samples

GET https://data.holder.com.au/cds-au/v1/banking/accounts/{accountId}/transactions/{transactionId} HTTP/1.1
Host: data.holder.com.au
Accept: application/json
x-v: string
x-min-v: string
x-fapi-interaction-id: string
x-fapi-auth-date: string
x-fapi-customer-ip-address: string
x-cds-client-headers: string

var headers = {
  'Accept':'application/json',
  'x-v':'string',
  'x-min-v':'string',
  'x-fapi-interaction-id':'string',
  'x-fapi-auth-date':'string',
  'x-fapi-customer-ip-address':'string',
  'x-cds-client-headers':'string'

};

$.ajax({
  url: 'https://data.holder.com.au/cds-au/v1/banking/accounts/{accountId}/transactions/{transactionId}',
  method: 'get',

  headers: headers,
  success: function(data) {
    console.log(JSON.stringify(data));
  }
})

GET /banking/accounts/{accountId}/transactions/{transactionId}

Obtain detailed information on a transaction for a specific account

Endpoint Version

Version	1

Parameters

Name	In	Type	Required	Description
accountId	path	ASCIIString	mandatory	ID of the account to get transactions for. Must have previously been returned by one of the account list end points
transactionId	path	ASCIIString	mandatory	ID of the transaction obtained from a previous call to one of the other transaction end points
x-v	header	string	mandatory	Version of the API end point requested by the client. Must be set to a positive integer. The data holder should respond with the highest supported version between x-min-v and x-v. If the value of x-min-v is equal to or higher than the value of x-v then the x-min-v header should be treated as absent. If all versions requested are not supported then the data holder must respond with a 406 Not Acceptable. See HTTP Headers
x-min-v	header	string	optional	Minimum version of the API end point requested by the client. Must be set to a positive integer if provided. The data holder should respond with the highest supported version between x-min-v and x-v. If all versions requested are not supported then the data holder must respond with a 406 Not Acceptable.
x-fapi-interaction-id	header	string	optional	An [RFC4122] UUID used as a correlation id. If provided, the data holder must play back this value in the x-fapi-interaction-id response header. If not provided a [RFC4122] UUID value is required to be provided in the response header to track the interaction.
x-fapi-auth-date	header	string	conditional	The time when the customer last logged in to the Data Recipient Software Product as described in [FAPI-R-Draft]. Required for all resource calls (customer present and unattended). Not required for unauthenticated calls.
x-fapi-customer-ip-address	header	string	optional	The customer's original IP address if the customer is currently logged in to the Data Recipient Software Product. The presence of this header indicates that the API is being called in a customer present context. Not to be included for unauthenticated calls.
x-cds-client-headers	header	Base64	conditional	The customer's original standard http headers Base64 encoded, including the original User Agent header, if the customer is currently logged in to the Data Recipient Software Product. Mandatory for customer present calls. Not required for unattended or unauthenticated calls.

Example responses

200 Response

{
  "data": {
    "accountId": "string",
    "transactionId": "string",
    "isDetailAvailable": true,
    "type": "DIRECT_DEBIT",
    "status": "PENDING",
    "description": "string",
    "postingDateTime": "string",
    "valueDateTime": "string",
    "executionDateTime": "string",
    "amount": "string",
    "currency": "string",
    "reference": "string",
    "merchantName": "string",
    "merchantCategoryCode": "string",
    "billerCode": "string",
    "billerName": "string",
    "crn": "string",
    "apcaNumber": "string",
    "extendedData": {
      "payer": "string",
      "payee": "string",
      "extensionUType": "x2p101Payload",
      "x2p101Payload": {
        "extendedDescription": "string",
        "endToEndId": "string",
        "purposeCode": "string"
      },
      "service": "X2P1.01"
    }
  },
  "links": {
    "self": "string"
  },
  "meta": {}
}

Responses

Status	Meaning	Description	Schema
200	OK	Success	ResponseBankingTransactionById
400	Bad Request	The following error codes MUST be supported: 400 - Invalid Field 400 - Invalid Version 400 - Invalid Date	ResponseErrorListV2
404	Not Found	The following error codes MUST be supported: 404 - Unavailable Banking Account 404 - Invalid Banking Account 404 - Unavailable Resource 404 - Invalid Resource	ResponseErrorListV2
406	Not Acceptable	The following error codes MUST be supported: 406 - Unsupported Version	ResponseErrorListV2

Response Headers

Status	Header	Type	Format	Description
200	x-v	string		The version of the API end point that the data holder has responded with.
200	x-fapi-interaction-id	string		An [RFC4122] UUID used as a correlation id. If provided, the data holder must play back this value in the x-fapi-interaction-id response header. If not provided a [RFC4122] UUID value is required to be provided in the response header to track the interaction.
400	x-fapi-interaction-id	string		An [RFC4122] UUID used as a correlation id. If provided, the data holder must play back this value in the x-fapi-interaction-id response header. If not provided a [RFC4122] UUID value is required to be provided in the response header to track the interaction.
404	x-fapi-interaction-id	string		An [RFC4122] UUID used as a correlation id. If provided, the data holder must play back this value in the x-fapi-interaction-id response header. If not provided a [RFC4122] UUID value is required to be provided in the response header to track the interaction.
406	x-fapi-interaction-id	string		An [RFC4122] UUID used as a correlation id. If provided, the data holder must play back this value in the x-fapi-interaction-id response header. If not provided a [RFC4122] UUID value is required to be provided in the response header to track the interaction.

Get Direct Debits For Account

Code samples

GET https://data.holder.com.au/cds-au/v1/banking/accounts/{accountId}/direct-debits HTTP/1.1
Host: data.holder.com.au
Accept: application/json
x-v: string
x-min-v: string
x-fapi-interaction-id: string
x-fapi-auth-date: string
x-fapi-customer-ip-address: string
x-cds-client-headers: string

var headers = {
  'Accept':'application/json',
  'x-v':'string',
  'x-min-v':'string',
  'x-fapi-interaction-id':'string',
  'x-fapi-auth-date':'string',
  'x-fapi-customer-ip-address':'string',
  'x-cds-client-headers':'string'

};

$.ajax({
  url: 'https://data.holder.com.au/cds-au/v1/banking/accounts/{accountId}/direct-debits',
  method: 'get',

  headers: headers,
  success: function(data) {
    console.log(JSON.stringify(data));
  }
})

GET /banking/accounts/{accountId}/direct-debits

Obtain direct debit authorisations for a specific account

Endpoint Version

Version	1

Parameters

Name	In	Type	Required	Description
accountId	path	ASCIIString	mandatory	ID of the account to get direct debit authorisations for. Must have previously been returned by one of the account list end points.
page	query	PositiveInteger	optional	Page of results to request (standard pagination)
page-size	query	PositiveInteger	optional	Page size to request. Default is 25 (standard pagination)
x-v	header	string	mandatory	Version of the API end point requested by the client. Must be set to a positive integer. The data holder should respond with the highest supported version between x-min-v and x-v. If the value of x-min-v is equal to or higher than the value of x-v then the x-min-v header should be treated as absent. If all versions requested are not supported then the data holder must respond with a 406 Not Acceptable. See HTTP Headers
x-min-v	header	string	optional	Minimum version of the API end point requested by the client. Must be set to a positive integer if provided. The data holder should respond with the highest supported version between x-min-v and x-v. If all versions requested are not supported then the data holder must respond with a 406 Not Acceptable.
x-fapi-interaction-id	header	string	optional	An [RFC4122] UUID used as a correlation id. If provided, the data holder must play back this value in the x-fapi-interaction-id response header. If not provided a [RFC4122] UUID value is required to be provided in the response header to track the interaction.
x-fapi-auth-date	header	string	conditional	The time when the customer last logged in to the Data Recipient Software Product as described in [FAPI-R-Draft]. Required for all resource calls (customer present and unattended). Not required for unauthenticated calls.
x-fapi-customer-ip-address	header	string	optional	The customer's original IP address if the customer is currently logged in to the Data Recipient Software Product. The presence of this header indicates that the API is being called in a customer present context. Not to be included for unauthenticated calls.
x-cds-client-headers	header	Base64	conditional	The customer's original standard http headers Base64 encoded, including the original User Agent header, if the customer is currently logged in to the Data Recipient Software Product. Mandatory for customer present calls. Not required for unattended or unauthenticated calls.

Example responses

200 Response

{
  "data": {
    "directDebitAuthorisations": [
      {
        "accountId": "string",
        "authorisedEntity": {
          "description": "string",
          "financialInstitution": "string",
          "abn": "string",
          "acn": "string",
          "arbn": "string"
        },
        "lastDebitDateTime": "string",
        "lastDebitAmount": "string"
      }
    ]
  },
  "links": {
    "self": "string",
    "first": "string",
    "prev": "string",
    "next": "string",
    "last": "string"
  },
  "meta": {
    "totalRecords": 0,
    "totalPages": 0
  }
}

Responses

Status	Meaning	Description	Schema
200	OK	Success	ResponseBankingDirectDebitAuthorisationList
400	Bad Request	The following error codes MUST be supported: 400 - Invalid Field 400 - Invalid Page Size 400 - Invalid Version	ResponseErrorListV2
404	Not Found	The following error codes MUST be supported: 404 - Unavailable Banking Account 404 - Invalid Banking Account	ResponseErrorListV2
406	Not Acceptable	The following error codes MUST be supported: 406 - Unsupported Version	ResponseErrorListV2
422	Unprocessable Entity	The following error codes MUST be supported: 422 - Invalid Page	ResponseErrorListV2

Response Headers

Status	Header	Type	Format	Description
200	x-v	string		The version of the API end point that the data holder has responded with.
200	x-fapi-interaction-id	string		An [RFC4122] UUID used as a correlation id. If provided, the data holder must play back this value in the x-fapi-interaction-id response header. If not provided a [RFC4122] UUID value is required to be provided in the response header to track the interaction.
400	x-fapi-interaction-id	string		An [RFC4122] UUID used as a correlation id. If provided, the data holder must play back this value in the x-fapi-interaction-id response header. If not provided a [RFC4122] UUID value is required to be provided in the response header to track the interaction.
404	x-fapi-interaction-id	string		An [RFC4122] UUID used as a correlation id. If provided, the data holder must play back this value in the x-fapi-interaction-id response header. If not provided a [RFC4122] UUID value is required to be provided in the response header to track the interaction.
406	x-fapi-interaction-id	string		An [RFC4122] UUID used as a correlation id. If provided, the data holder must play back this value in the x-fapi-interaction-id response header. If not provided a [RFC4122] UUID value is required to be provided in the response header to track the interaction.
422	x-fapi-interaction-id	string		An [RFC4122] UUID used as a correlation id. If provided, the data holder must play back this value in the x-fapi-interaction-id response header. If not provided a [RFC4122] UUID value is required to be provided in the response header to track the interaction.

Get Bulk Direct Debits

Code samples

GET https://data.holder.com.au/cds-au/v1/banking/accounts/direct-debits HTTP/1.1
Host: data.holder.com.au
Accept: application/json
x-v: string
x-min-v: string
x-fapi-interaction-id: string
x-fapi-auth-date: string
x-fapi-customer-ip-address: string
x-cds-client-headers: string

var headers = {
  'Accept':'application/json',
  'x-v':'string',
  'x-min-v':'string',
  'x-fapi-interaction-id':'string',
  'x-fapi-auth-date':'string',
  'x-fapi-customer-ip-address':'string',
  'x-cds-client-headers':'string'

};

$.ajax({
  url: 'https://data.holder.com.au/cds-au/v1/banking/accounts/direct-debits',
  method: 'get',

  headers: headers,
  success: function(data) {
    console.log(JSON.stringify(data));
  }
})

GET /banking/accounts/direct-debits

Obtain direct debit authorisations for multiple, filtered accounts

Endpoint Version

Version	1

Parameters

Name	In	Type	Required	Description
product-category	query	string	optional	Used to filter results on the productCategory field applicable to accounts. Any one of the valid values for this field can be supplied. If absent then all accounts returned.
open-status	query	string	optional	Used to filter results according to open/closed status. Values can be OPEN, CLOSED or ALL. If absent then ALL is assumed
is-owned	query	Boolean	optional	Filters accounts based on whether they are owned by the authorised customer. True for owned accounts, false for unowned accounts and absent for all accounts
page	query	PositiveInteger	optional	Page of results to request (standard pagination)
page-size	query	PositiveInteger	optional	Page size to request. Default is 25 (standard pagination)
x-v	header	string	mandatory	Version of the API end point requested by the client. Must be set to a positive integer. The data holder should respond with the highest supported version between x-min-v and x-v. If the value of x-min-v is equal to or higher than the value of x-v then the x-min-v header should be treated as absent. If all versions requested are not supported then the data holder must respond with a 406 Not Acceptable. See HTTP Headers
x-min-v	header	string	optional	Minimum version of the API end point requested by the client. Must be set to a positive integer if provided. The data holder should respond with the highest supported version between x-min-v and x-v. If all versions requested are not supported then the data holder must respond with a 406 Not Acceptable.
x-fapi-interaction-id	header	string	optional	An [RFC4122] UUID used as a correlation id. If provided, the data holder must play back this value in the x-fapi-interaction-id response header. If not provided a [RFC4122] UUID value is required to be provided in the response header to track the interaction.
x-fapi-auth-date	header	string	conditional	The time when the customer last logged in to the Data Recipient Software Product as described in [FAPI-R-Draft]. Required for all resource calls (customer present and unattended). Not required for unauthenticated calls.
x-fapi-customer-ip-address	header	string	optional	The customer's original IP address if the customer is currently logged in to the Data Recipient Software Product. The presence of this header indicates that the API is being called in a customer present context. Not to be included for unauthenticated calls.
x-cds-client-headers	header	Base64	conditional	The customer's original standard http headers Base64 encoded, including the original User Agent header, if the customer is currently logged in to the Data Recipient Software Product. Mandatory for customer present calls. Not required for unattended or unauthenticated calls.

Enumerated Values

Parameter	Value
product-category	BUSINESS_LOANS
product-category	CRED_AND_CHRG_CARDS
product-category	LEASES
product-category	MARGIN_LOANS
product-category	OVERDRAFTS
product-category	PERS_LOANS
product-category	REGULATED_TRUST_ACCOUNTS
product-category	RESIDENTIAL_MORTGAGES
product-category	TERM_DEPOSITS
product-category	TRADE_FINANCE
product-category	TRANS_AND_SAVINGS_ACCOUNTS
product-category	TRAVEL_CARDS
open-status	ALL
open-status	CLOSED
open-status	OPEN

Example responses

200 Response

{
  "data": {
    "directDebitAuthorisations": [
      {
        "accountId": "string",
        "authorisedEntity": {
          "description": "string",
          "financialInstitution": "string",
          "abn": "string",
          "acn": "string",
          "arbn": "string"
        },
        "lastDebitDateTime": "string",
        "lastDebitAmount": "string"
      }
    ]
  },
  "links": {
    "self": "string",
    "first": "string",
    "prev": "string",
    "next": "string",
    "last": "string"
  },
  "meta": {
    "totalRecords": 0,
    "totalPages": 0
  }
}

Responses

Status	Meaning	Description	Schema
200	OK	Success	ResponseBankingDirectDebitAuthorisationList
400	Bad Request	The following error codes MUST be supported: 400 - Invalid Field 400 - Invalid Page Size 400 - Invalid Version	ResponseErrorListV2
406	Not Acceptable	The following error codes MUST be supported: 406 - Unsupported Version	ResponseErrorListV2
422	Unprocessable Entity	The following error codes MUST be supported: 422 - Invalid Page	ResponseErrorListV2

Response Headers

Status	Header	Type	Format	Description
200	x-v	string		The version of the API end point that the data holder has responded with.
200	x-fapi-interaction-id	string		An [RFC4122] UUID used as a correlation id. If provided, the data holder must play back this value in the x-fapi-interaction-id response header. If not provided a [RFC4122] UUID value is required to be provided in the response header to track the interaction.
400	x-fapi-interaction-id	string		An [RFC4122] UUID used as a correlation id. If provided, the data holder must play back this value in the x-fapi-interaction-id response header. If not provided a [RFC4122] UUID value is required to be provided in the response header to track the interaction.
406	x-fapi-interaction-id	string		An [RFC4122] UUID used as a correlation id. If provided, the data holder must play back this value in the x-fapi-interaction-id response header. If not provided a [RFC4122] UUID value is required to be provided in the response header to track the interaction.
422	x-fapi-interaction-id	string		An [RFC4122] UUID used as a correlation id. If provided, the data holder must play back this value in the x-fapi-interaction-id response header. If not provided a [RFC4122] UUID value is required to be provided in the response header to track the interaction.

Get Direct Debits For Specific Accounts

Code samples

POST https://data.holder.com.au/cds-au/v1/banking/accounts/direct-debits HTTP/1.1
Host: data.holder.com.au
Content-Type: application/json
Accept: application/json
x-v: string
x-min-v: string
x-fapi-interaction-id: string
x-fapi-auth-date: string
x-fapi-customer-ip-address: string
x-cds-client-headers: string

var headers = {
  'Content-Type':'application/json',
  'Accept':'application/json',
  'x-v':'string',
  'x-min-v':'string',
  'x-fapi-interaction-id':'string',
  'x-fapi-auth-date':'string',
  'x-fapi-customer-ip-address':'string',
  'x-cds-client-headers':'string'

};

$.ajax({
  url: 'https://data.holder.com.au/cds-au/v1/banking/accounts/direct-debits',
  method: 'post',

  headers: headers,
  success: function(data) {
    console.log(JSON.stringify(data));
  }
})

POST /banking/accounts/direct-debits

Obtain direct debit authorisations for a specified list of accounts

Body parameter

{
  "data": {
    "accountIds": [
      "string"
    ]
  },
  "meta": {}
}

Endpoint Version

Version	1

Parameters

Name	In	Type	Required	Description
page	query	PositiveInteger	optional	Page of results to request (standard pagination)
page-size	query	PositiveInteger	optional	Page size to request. Default is 25 (standard pagination)
x-v	header	string	mandatory	Version of the API end point requested by the client. Must be set to a positive integer. The data holder should respond with the highest supported version between x-min-v and x-v. If the value of x-min-v is equal to or higher than the value of x-v then the x-min-v header should be treated as absent. If all versions requested are not supported then the data holder must respond with a 406 Not Acceptable. See HTTP Headers
x-min-v	header	string	optional	Minimum version of the API end point requested by the client. Must be set to a positive integer if provided. The data holder should respond with the highest supported version between x-min-v and x-v. If all versions requested are not supported then the data holder must respond with a 406 Not Acceptable.
x-fapi-interaction-id	header	string	optional	An [RFC4122] UUID used as a correlation id. If provided, the data holder must play back this value in the x-fapi-interaction-id response header. If not provided a [RFC4122] UUID value is required to be provided in the response header to track the interaction.
x-fapi-auth-date	header	string	conditional	The time when the customer last logged in to the Data Recipient Software Product as described in [FAPI-R-Draft]. Required for all resource calls (customer present and unattended). Not required for unauthenticated calls.
x-fapi-customer-ip-address	header	string	optional	The customer's original IP address if the customer is currently logged in to the Data Recipient Software Product. The presence of this header indicates that the API is being called in a customer present context. Not to be included for unauthenticated calls.
x-cds-client-headers	header	Base64	conditional	The customer's original standard http headers Base64 encoded, including the original User Agent header, if the customer is currently logged in to the Data Recipient Software Product. Mandatory for customer present calls. Not required for unattended or unauthenticated calls.
body	body	RequestAccountIds	mandatory	Array of specific accountIds to obtain authorisations for

Example responses

200 Response

{
  "data": {
    "directDebitAuthorisations": [
      {
        "accountId": "string",
        "authorisedEntity": {
          "description": "string",
          "financialInstitution": "string",
          "abn": "string",
          "acn": "string",
          "arbn": "string"
        },
        "lastDebitDateTime": "string",
        "lastDebitAmount": "string"
      }
    ]
  },
  "links": {
    "self": "string",
    "first": "string",
    "prev": "string",
    "next": "string",
    "last": "string"
  },
  "meta": {
    "totalRecords": 0,
    "totalPages": 0
  }
}

Responses

Status	Meaning	Description	Schema
200	OK	Success	ResponseBankingDirectDebitAuthorisationList
400	Bad Request	The following error codes MUST be supported: 400 - Invalid Field 400 - Invalid Page Size 400 - Invalid Version	ResponseErrorListV2
406	Not Acceptable	The following error codes MUST be supported: 406 - Unsupported Version	ResponseErrorListV2
422	Unprocessable Entity	The following error codes MUST be supported: 422 - Invalid Page 422 - Unavailable Banking Account 422 - Invalid Banking Account	ResponseErrorListV2

Response Headers

Status	Header	Type	Format	Description
200	x-v	string		The version of the API end point that the data holder has responded with.
200	x-fapi-interaction-id	string		An [RFC4122] UUID used as a correlation id. If provided, the data holder must play back this value in the x-fapi-interaction-id response header. If not provided a [RFC4122] UUID value is required to be provided in the response header to track the interaction.
400	x-fapi-interaction-id	string		An [RFC4122] UUID used as a correlation id. If provided, the data holder must play back this value in the x-fapi-interaction-id response header. If not provided a [RFC4122] UUID value is required to be provided in the response header to track the interaction.
406	x-fapi-interaction-id	string		An [RFC4122] UUID used as a correlation id. If provided, the data holder must play back this value in the x-fapi-interaction-id response header. If not provided a [RFC4122] UUID value is required to be provided in the response header to track the interaction.
422	x-fapi-interaction-id	string		An [RFC4122] UUID used as a correlation id. If provided, the data holder must play back this value in the x-fapi-interaction-id response header. If not provided a [RFC4122] UUID value is required to be provided in the response header to track the interaction.

Get Scheduled Payments for Account

Code samples

GET https://data.holder.com.au/cds-au/v1/banking/accounts/{accountId}/payments/scheduled HTTP/1.1
Host: data.holder.com.au
Accept: application/json
x-v: string
x-min-v: string
x-fapi-interaction-id: string
x-fapi-auth-date: string
x-fapi-customer-ip-address: string
x-cds-client-headers: string

var headers = {
  'Accept':'application/json',
  'x-v':'string',
  'x-min-v':'string',
  'x-fapi-interaction-id':'string',
  'x-fapi-auth-date':'string',
  'x-fapi-customer-ip-address':'string',
  'x-cds-client-headers':'string'

};

$.ajax({
  url: 'https://data.holder.com.au/cds-au/v1/banking/accounts/{accountId}/payments/scheduled',
  method: 'get',

  headers: headers,
  success: function(data) {
    console.log(JSON.stringify(data));
  }
})

GET /banking/accounts/{accountId}/payments/scheduled

Obtain scheduled, outgoing payments for a specific account

Endpoint Version

Version	1

Parameters

Name	In	Type	Required	Description
accountId	path	ASCIIString	mandatory	ID of the account to get scheduled payments for. Must have previously been returned by one of the account list end points. The account specified is the source account for the payment
page	query	PositiveInteger	optional	Page of results to request (standard pagination)
page-size	query	PositiveInteger	optional	Page size to request. Default is 25 (standard pagination)
x-v	header	string	mandatory	Version of the API end point requested by the client. Must be set to a positive integer. The data holder should respond with the highest supported version between x-min-v and x-v. If the value of x-min-v is equal to or higher than the value of x-v then the x-min-v header should be treated as absent. If all versions requested are not supported then the data holder must respond with a 406 Not Acceptable. See HTTP Headers
x-min-v	header	string	optional	Minimum version of the API end point requested by the client. Must be set to a positive integer if provided. The data holder should respond with the highest supported version between x-min-v and x-v. If all versions requested are not supported then the data holder must respond with a 406 Not Acceptable.
x-fapi-interaction-id	header	string	optional	An [RFC4122] UUID used as a correlation id. If provided, the data holder must play back this value in the x-fapi-interaction-id response header. If not provided a [RFC4122] UUID value is required to be provided in the response header to track the interaction.
x-fapi-auth-date	header	string	conditional	The time when the customer last logged in to the Data Recipient Software Product as described in [FAPI-R-Draft]. Required for all resource calls (customer present and unattended). Not required for unauthenticated calls.
x-fapi-customer-ip-address	header	string	optional	The customer's original IP address if the customer is currently logged in to the Data Recipient Software Product. The presence of this header indicates that the API is being called in a customer present context. Not to be included for unauthenticated calls.
x-cds-client-headers	header	Base64	conditional	The customer's original standard http headers Base64 encoded, including the original User Agent header, if the customer is currently logged in to the Data Recipient Software Product. Mandatory for customer present calls. Not required for unattended or unauthenticated calls.

Example responses

200 Response

{
  "data": {
    "scheduledPayments": [
      {
        "scheduledPaymentId": "string",
        "nickname": "string",
        "payerReference": "string",
        "payeeReference": "string",
        "status": "ACTIVE",
        "from": {
          "accountId": "string"
        },
        "paymentSet": [
          {
            "to": {
              "toUType": "accountId",
              "accountId": "string",
              "payeeId": "string",
              "nickname": "string",
              "payeeReference": "string",
              "domestic": {
                "payeeAccountUType": "account",
                "account": {
                  "accountName": "string",
                  "bsb": "string",
                  "accountNumber": "string"
                },
                "card": {
                  "cardNumber": "string"
                },
                "payId": {
                  "name": "string",
                  "identifier": "string",
                  "type": "ABN"
                }
              },
              "biller": {
                "billerCode": "string",
                "crn": "string",
                "billerName": "string"
              },
              "international": {
                "beneficiaryDetails": {
                  "name": "string",
                  "country": "string",
                  "message": "string"
                },
                "bankDetails": {
                  "country": "string",
                  "accountNumber": "string",
                  "bankAddress": {
                    "name": "string",
                    "address": "string"
                  },
                  "beneficiaryBankBIC": "string",
                  "fedWireNumber": "string",
                  "sortCode": "string",
                  "chipNumber": "string",
                  "routingNumber": "string",
                  "legalEntityIdentifier": "string"
                }
              }
            },
            "isAmountCalculated": true,
            "amount": "string",
            "currency": "string"
          }
        ],
        "recurrence": {
          "nextPaymentDate": "string",
          "recurrenceUType": "eventBased",
          "onceOff": {
            "paymentDate": "string"
          },
          "intervalSchedule": {
            "finalPaymentDate": "string",
            "paymentsRemaining": 1,
            "nonBusinessDayTreatment": "AFTER",
            "intervals": [
              {
                "interval": "string",
                "dayInInterval": "string"
              }
            ]
          },
          "lastWeekDay": {
            "finalPaymentDate": "string",
            "paymentsRemaining": 1,
            "interval": "string",
            "lastWeekDay": "FRI",
            "nonBusinessDayTreatment": "AFTER"
          },
          "eventBased": {
            "description": "string"
          }
        }
      }
    ]
  },
  "links": {
    "self": "string",
    "first": "string",
    "prev": "string",
    "next": "string",
    "last": "string"
  },
  "meta": {
    "totalRecords": 0,
    "totalPages": 0
  }
}

Responses

Status	Meaning	Description	Schema
200	OK	Success	ResponseBankingScheduledPaymentsList
400	Bad Request	The following error codes MUST be supported: 400 - Invalid Field 400 - Invalid Page Size 400 - Invalid Version	ResponseErrorListV2
404	Not Found	The following error codes MUST be supported: 404 - Unavailable Banking Account 404 - Invalid Banking Account	ResponseErrorListV2
406	Not Acceptable	The following error codes MUST be supported: 406 - Unsupported Version	ResponseErrorListV2
422	Unprocessable Entity	The following error codes MUST be supported: 422 - Invalid Page	ResponseErrorListV2

Response Headers

Status	Header	Type	Format	Description
200	x-v	string		The version of the API end point that the data holder has responded with.
200	x-fapi-interaction-id	string		An [RFC4122] UUID used as a correlation id. If provided, the data holder must play back this value in the x-fapi-interaction-id response header. If not provided a [RFC4122] UUID value is required to be provided in the response header to track the interaction.
400	x-fapi-interaction-id	string		An [RFC4122] UUID used as a correlation id. If provided, the data holder must play back this value in the x-fapi-interaction-id response header. If not provided a [RFC4122] UUID value is required to be provided in the response header to track the interaction.
404	x-fapi-interaction-id	string		An [RFC4122] UUID used as a correlation id. If provided, the data holder must play back this value in the x-fapi-interaction-id response header. If not provided a [RFC4122] UUID value is required to be provided in the response header to track the interaction.
406	x-fapi-interaction-id	string		An [RFC4122] UUID used as a correlation id. If provided, the data holder must play back this value in the x-fapi-interaction-id response header. If not provided a [RFC4122] UUID value is required to be provided in the response header to track the interaction.
422	x-fapi-interaction-id	string		An [RFC4122] UUID used as a correlation id. If provided, the data holder must play back this value in the x-fapi-interaction-id response header. If not provided a [RFC4122] UUID value is required to be provided in the response header to track the interaction.

Get Scheduled Payments Bulk

Code samples

GET https://data.holder.com.au/cds-au/v1/banking/payments/scheduled HTTP/1.1
Host: data.holder.com.au
Accept: application/json
x-v: string
x-min-v: string
x-fapi-interaction-id: string
x-fapi-auth-date: string
x-fapi-customer-ip-address: string
x-cds-client-headers: string

var headers = {
  'Accept':'application/json',
  'x-v':'string',
  'x-min-v':'string',
  'x-fapi-interaction-id':'string',
  'x-fapi-auth-date':'string',
  'x-fapi-customer-ip-address':'string',
  'x-cds-client-headers':'string'

};

$.ajax({
  url: 'https://data.holder.com.au/cds-au/v1/banking/payments/scheduled',
  method: 'get',

  headers: headers,
  success: function(data) {
    console.log(JSON.stringify(data));
  }
})

GET /banking/payments/scheduled

Obtain scheduled payments for multiple, filtered accounts that are the source of funds for the payments

Endpoint Version

Version	1

Parameters

Name	In	Type	Required	Description
product-category	query	string	optional	Used to filter results on the productCategory field applicable to accounts. Any one of the valid values for this field can be supplied. If absent then all accounts returned.
open-status	query	string	optional	Used to filter results according to open/closed status. Values can be OPEN, CLOSED or ALL. If absent then ALL is assumed
is-owned	query	Boolean	optional	Filters accounts based on whether they are owned by the authorised customer. True for owned accounts, false for unowned accounts and absent for all accounts
page	query	PositiveInteger	optional	Page of results to request (standard pagination)
page-size	query	PositiveInteger	optional	Page size to request. Default is 25 (standard pagination)
x-v	header	string	mandatory	Version of the API end point requested by the client. Must be set to a positive integer. The data holder should respond with the highest supported version between x-min-v and x-v. If the value of x-min-v is equal to or higher than the value of x-v then the x-min-v header should be treated as absent. If all versions requested are not supported then the data holder must respond with a 406 Not Acceptable. See HTTP Headers
x-min-v	header	string	optional	Minimum version of the API end point requested by the client. Must be set to a positive integer if provided. The data holder should respond with the highest supported version between x-min-v and x-v. If all versions requested are not supported then the data holder must respond with a 406 Not Acceptable.
x-fapi-interaction-id	header	string	optional	An [RFC4122] UUID used as a correlation id. If provided, the data holder must play back this value in the x-fapi-interaction-id response header. If not provided a [RFC4122] UUID value is required to be provided in the response header to track the interaction.
x-fapi-auth-date	header	string	conditional	The time when the customer last logged in to the Data Recipient Software Product as described in [FAPI-R-Draft]. Required for all resource calls (customer present and unattended). Not required for unauthenticated calls.
x-fapi-customer-ip-address	header	string	optional	The customer's original IP address if the customer is currently logged in to the Data Recipient Software Product. The presence of this header indicates that the API is being called in a customer present context. Not to be included for unauthenticated calls.
x-cds-client-headers	header	Base64	conditional	The customer's original standard http headers Base64 encoded, including the original User Agent header, if the customer is currently logged in to the Data Recipient Software Product. Mandatory for customer present calls. Not required for unattended or unauthenticated calls.

Enumerated Values

Parameter	Value
product-category	BUSINESS_LOANS
product-category	CRED_AND_CHRG_CARDS
product-category	LEASES
product-category	MARGIN_LOANS
product-category	OVERDRAFTS
product-category	PERS_LOANS
product-category	REGULATED_TRUST_ACCOUNTS
product-category	RESIDENTIAL_MORTGAGES
product-category	TERM_DEPOSITS
product-category	TRADE_FINANCE
product-category	TRANS_AND_SAVINGS_ACCOUNTS
product-category	TRAVEL_CARDS
open-status	ALL
open-status	CLOSED
open-status	OPEN

Example responses

200 Response

{
  "data": {
    "scheduledPayments": [
      {
        "scheduledPaymentId": "string",
        "nickname": "string",
        "payerReference": "string",
        "payeeReference": "string",
        "status": "ACTIVE",
        "from": {
          "accountId": "string"
        },
        "paymentSet": [
          {
            "to": {
              "toUType": "accountId",
              "accountId": "string",
              "payeeId": "string",
              "nickname": "string",
              "payeeReference": "string",
              "domestic": {
                "payeeAccountUType": "account",
                "account": {
                  "accountName": "string",
                  "bsb": "string",
                  "accountNumber": "string"
                },
                "card": {
                  "cardNumber": "string"
                },
                "payId": {
                  "name": "string",
                  "identifier": "string",
                  "type": "ABN"
                }
              },
              "biller": {
                "billerCode": "string",
                "crn": "string",
                "billerName": "string"
              },
              "international": {
                "beneficiaryDetails": {
                  "name": "string",
                  "country": "string",
                  "message": "string"
                },
                "bankDetails": {
                  "country": "string",
                  "accountNumber": "string",
                  "bankAddress": {
                    "name": "string",
                    "address": "string"
                  },
                  "beneficiaryBankBIC": "string",
                  "fedWireNumber": "string",
                  "sortCode": "string",
                  "chipNumber": "string",
                  "routingNumber": "string",
                  "legalEntityIdentifier": "string"
                }
              }
            },
            "isAmountCalculated": true,
            "amount": "string",
            "currency": "string"
          }
        ],
        "recurrence": {
          "nextPaymentDate": "string",
          "recurrenceUType": "eventBased",
          "onceOff": {
            "paymentDate": "string"
          },
          "intervalSchedule": {
            "finalPaymentDate": "string",
            "paymentsRemaining": 1,
            "nonBusinessDayTreatment": "AFTER",
            "intervals": [
              {
                "interval": "string",
                "dayInInterval": "string"
              }
            ]
          },
          "lastWeekDay": {
            "finalPaymentDate": "string",
            "paymentsRemaining": 1,
            "interval": "string",
            "lastWeekDay": "FRI",
            "nonBusinessDayTreatment": "AFTER"
          },
          "eventBased": {
            "description": "string"
          }
        }
      }
    ]
  },
  "links": {
    "self": "string",
    "first": "string",
    "prev": "string",
    "next": "string",
    "last": "string"
  },
  "meta": {
    "totalRecords": 0,
    "totalPages": 0
  }
}

Responses

Status	Meaning	Description	Schema
200	OK	Success	ResponseBankingScheduledPaymentsList
400	Bad Request	The following error codes MUST be supported: 400 - Invalid Field 400 - Invalid Page Size 400 - Invalid Version	ResponseErrorListV2
406	Not Acceptable	The following error codes MUST be supported: 406 - Unsupported Version	ResponseErrorListV2
422	Unprocessable Entity	The following error codes MUST be supported: 422 - Invalid Page	ResponseErrorListV2

Response Headers

Status	Header	Type	Format	Description
200	x-v	string		The version of the API end point that the data holder has responded with.
200	x-fapi-interaction-id	string		An [RFC4122] UUID used as a correlation id. If provided, the data holder must play back this value in the x-fapi-interaction-id response header. If not provided a [RFC4122] UUID value is required to be provided in the response header to track the interaction.
400	x-fapi-interaction-id	string		An [RFC4122] UUID used as a correlation id. If provided, the data holder must play back this value in the x-fapi-interaction-id response header. If not provided a [RFC4122] UUID value is required to be provided in the response header to track the interaction.
406	x-fapi-interaction-id	string		An [RFC4122] UUID used as a correlation id. If provided, the data holder must play back this value in the x-fapi-interaction-id response header. If not provided a [RFC4122] UUID value is required to be provided in the response header to track the interaction.
422	x-fapi-interaction-id	string		An [RFC4122] UUID used as a correlation id. If provided, the data holder must play back this value in the x-fapi-interaction-id response header. If not provided a [RFC4122] UUID value is required to be provided in the response header to track the interaction.

Get Scheduled Payments For Specific Accounts

Code samples

POST https://data.holder.com.au/cds-au/v1/banking/payments/scheduled HTTP/1.1
Host: data.holder.com.au
Content-Type: application/json
Accept: application/json
x-v: string
x-min-v: string
x-fapi-interaction-id: string
x-fapi-auth-date: string
x-fapi-customer-ip-address: string
x-cds-client-headers: string

var headers = {
  'Content-Type':'application/json',
  'Accept':'application/json',
  'x-v':'string',
  'x-min-v':'string',
  'x-fapi-interaction-id':'string',
  'x-fapi-auth-date':'string',
  'x-fapi-customer-ip-address':'string',
  'x-cds-client-headers':'string'

};

$.ajax({
  url: 'https://data.holder.com.au/cds-au/v1/banking/payments/scheduled',
  method: 'post',

  headers: headers,
  success: function(data) {
    console.log(JSON.stringify(data));
  }
})

POST /banking/payments/scheduled

Obtain scheduled payments for a specified list of accounts

Body parameter

{
  "data": {
    "accountIds": [
      "string"
    ]
  },
  "meta": {}
}

Endpoint Version

Version	1

Parameters

Name	In	Type	Required	Description
page	query	PositiveInteger	optional	Page of results to request (standard pagination)
page-size	query	PositiveInteger	optional	Page size to request. Default is 25 (standard pagination)
x-v	header	string	mandatory	Version of the API end point requested by the client. Must be set to a positive integer. The data holder should respond with the highest supported version between x-min-v and x-v. If the value of x-min-v is equal to or higher than the value of x-v then the x-min-v header should be treated as absent. If all versions requested are not supported then the data holder must respond with a 406 Not Acceptable. See HTTP Headers
x-min-v	header	string	optional	Minimum version of the API end point requested by the client. Must be set to a positive integer if provided. The data holder should respond with the highest supported version between x-min-v and x-v. If all versions requested are not supported then the data holder must respond with a 406 Not Acceptable.
x-fapi-interaction-id	header	string	optional	An [RFC4122] UUID used as a correlation id. If provided, the data holder must play back this value in the x-fapi-interaction-id response header. If not provided a [RFC4122] UUID value is required to be provided in the response header to track the interaction.
x-fapi-auth-date	header	string	conditional	The time when the customer last logged in to the Data Recipient Software Product as described in [FAPI-R-Draft]. Required for all resource calls (customer present and unattended). Not required for unauthenticated calls.
x-fapi-customer-ip-address	header	string	optional	The customer's original IP address if the customer is currently logged in to the Data Recipient Software Product. The presence of this header indicates that the API is being called in a customer present context. Not to be included for unauthenticated calls.
x-cds-client-headers	header	Base64	conditional	The customer's original standard http headers Base64 encoded, including the original User Agent header, if the customer is currently logged in to the Data Recipient Software Product. Mandatory for customer present calls. Not required for unattended or unauthenticated calls.
body	body	RequestAccountIds	mandatory	Array of specific accountIds to obtain scheduled payments for. The accounts specified are the source of funds for the payments returned

Example responses

200 Response

{
  "data": {
    "scheduledPayments": [
      {
        "scheduledPaymentId": "string",
        "nickname": "string",
        "payerReference": "string",
        "payeeReference": "string",
        "status": "ACTIVE",
        "from": {
          "accountId": "string"
        },
        "paymentSet": [
          {
            "to": {
              "toUType": "accountId",
              "accountId": "string",
              "payeeId": "string",
              "nickname": "string",
              "payeeReference": "string",
              "domestic": {
                "payeeAccountUType": "account",
                "account": {
                  "accountName": "string",
                  "bsb": "string",
                  "accountNumber": "string"
                },
                "card": {
                  "cardNumber": "string"
                },
                "payId": {
                  "name": "string",
                  "identifier": "string",
                  "type": "ABN"
                }
              },
              "biller": {
                "billerCode": "string",
                "crn": "string",
                "billerName": "string"
              },
              "international": {
                "beneficiaryDetails": {
                  "name": "string",
                  "country": "string",
                  "message": "string"
                },
                "bankDetails": {
                  "country": "string",
                  "accountNumber": "string",
                  "bankAddress": {
                    "name": "string",
                    "address": "string"
                  },
                  "beneficiaryBankBIC": "string",
                  "fedWireNumber": "string",
                  "sortCode": "string",
                  "chipNumber": "string",
                  "routingNumber": "string",
                  "legalEntityIdentifier": "string"
                }
              }
            },
            "isAmountCalculated": true,
            "amount": "string",
            "currency": "string"
          }
        ],
        "recurrence": {
          "nextPaymentDate": "string",
          "recurrenceUType": "eventBased",
          "onceOff": {
            "paymentDate": "string"
          },
          "intervalSchedule": {
            "finalPaymentDate": "string",
            "paymentsRemaining": 1,
            "nonBusinessDayTreatment": "AFTER",
            "intervals": [
              {
                "interval": "string",
                "dayInInterval": "string"
              }
            ]
          },
          "lastWeekDay": {
            "finalPaymentDate": "string",
            "paymentsRemaining": 1,
            "interval": "string",
            "lastWeekDay": "FRI",
            "nonBusinessDayTreatment": "AFTER"
          },
          "eventBased": {
            "description": "string"
          }
        }
      }
    ]
  },
  "links": {
    "self": "string",
    "first": "string",
    "prev": "string",
    "next": "string",
    "last": "string"
  },
  "meta": {
    "totalRecords": 0,
    "totalPages": 0
  }
}

Responses

Status	Meaning	Description	Schema
200	OK	Success	ResponseBankingScheduledPaymentsList
400	Bad Request	The following error codes MUST be supported: 400 - Invalid Field 400 - Invalid Page Size 400 - Invalid Version	ResponseErrorListV2
406	Not Acceptable	The following error codes MUST be supported: 406 - Unsupported Version	ResponseErrorListV2
422	Unprocessable Entity	The following error codes MUST be supported: 422 - Invalid Page 422 - Unavailable Banking Account 422 - Invalid Banking Account	ResponseErrorListV2

Response Headers

Status	Header	Type	Format	Description
200	x-v	string		The version of the API end point that the data holder has responded with.
200	x-fapi-interaction-id	string		An [RFC4122] UUID used as a correlation id. If provided, the data holder must play back this value in the x-fapi-interaction-id response header. If not provided a [RFC4122] UUID value is required to be provided in the response header to track the interaction.
400	x-fapi-interaction-id	string		An [RFC4122] UUID used as a correlation id. If provided, the data holder must play back this value in the x-fapi-interaction-id response header. If not provided a [RFC4122] UUID value is required to be provided in the response header to track the interaction.
406	x-fapi-interaction-id	string		An [RFC4122] UUID used as a correlation id. If provided, the data holder must play back this value in the x-fapi-interaction-id response header. If not provided a [RFC4122] UUID value is required to be provided in the response header to track the interaction.
422	x-fapi-interaction-id	string		An [RFC4122] UUID used as a correlation id. If provided, the data holder must play back this value in the x-fapi-interaction-id response header. If not provided a [RFC4122] UUID value is required to be provided in the response header to track the interaction.

Get Payees

Code samples

GET https://data.holder.com.au/cds-au/v1/banking/payees HTTP/1.1
Host: data.holder.com.au
Accept: application/json
x-v: string
x-min-v: string
x-fapi-interaction-id: string
x-fapi-auth-date: string
x-fapi-customer-ip-address: string
x-cds-client-headers: string

var headers = {
  'Accept':'application/json',
  'x-v':'string',
  'x-min-v':'string',
  'x-fapi-interaction-id':'string',
  'x-fapi-auth-date':'string',
  'x-fapi-customer-ip-address':'string',
  'x-cds-client-headers':'string'

};

$.ajax({
  url: 'https://data.holder.com.au/cds-au/v1/banking/payees',
  method: 'get',

  headers: headers,
  success: function(data) {
    console.log(JSON.stringify(data));
  }
})

GET /banking/payees

Obtain a list of pre-registered payees.

Obsolete versions: v1

Endpoint Version

Version	2

Parameters

Name	In	Type	Required	Description
type	query	string	optional	Filter on the payee type field. In addition to normal type field values, ALL can be specified to retrieve all payees. If absent the assumed value is ALL
page	query	PositiveInteger	optional	Page of results to request (standard pagination)
page-size	query	PositiveInteger	optional	Page size to request. Default is 25 (standard pagination)
x-v	header	string	mandatory	Version of the API end point requested by the client. Must be set to a positive integer. The data holder should respond with the highest supported version between x-min-v and x-v. If the value of x-min-v is equal to or higher than the value of x-v then the x-min-v header should be treated as absent. If all versions requested are not supported then the data holder must respond with a 406 Not Acceptable. See HTTP Headers
x-min-v	header	string	optional	Minimum version of the API end point requested by the client. Must be set to a positive integer if provided. The data holder should respond with the highest supported version between x-min-v and x-v. If all versions requested are not supported then the data holder must respond with a 406 Not Acceptable.
x-fapi-interaction-id	header	string	optional	An [RFC4122] UUID used as a correlation id. If provided, the data holder must play back this value in the x-fapi-interaction-id response header. If not provided a [RFC4122] UUID value is required to be provided in the response header to track the interaction.
x-fapi-auth-date	header	string	conditional	The time when the customer last logged in to the Data Recipient Software Product as described in [FAPI-R-Draft]. Required for all resource calls (customer present and unattended). Not required for unauthenticated calls.
x-fapi-customer-ip-address	header	string	optional	The customer's original IP address if the customer is currently logged in to the Data Recipient Software Product. The presence of this header indicates that the API is being called in a customer present context. Not to be included for unauthenticated calls.
x-cds-client-headers	header	Base64	conditional	The customer's original standard http headers Base64 encoded, including the original User Agent header, if the customer is currently logged in to the Data Recipient Software Product. Mandatory for customer present calls. Not required for unattended or unauthenticated calls.

Enumerated Values

Parameter	Value
type	ALL
type	BILLER
type	DIGITAL_WALLET
type	DOMESTIC
type	INTERNATIONAL

Example responses

200 Response

{
  "data": {
    "payees": [
      {
        "payeeId": "string",
        "nickname": "string",
        "description": "string",
        "type": "BILLER",
        "creationDate": "string"
      }
    ]
  },
  "links": {
    "self": "string",
    "first": "string",
    "prev": "string",
    "next": "string",
    "last": "string"
  },
  "meta": {
    "totalRecords": 0,
    "totalPages": 0
  }
}

Responses

Status	Meaning	Description	Schema
200	OK	Success	ResponseBankingPayeeListV2
400	Bad Request	The following error codes MUST be supported: 400 - Invalid Field 400 - Invalid Page Size 400 - Invalid Version	ResponseErrorListV2
406	Not Acceptable	The following error codes MUST be supported: 406 - Unsupported Version	ResponseErrorListV2
422	Unprocessable Entity	The following error codes MUST be supported: 422 - Invalid Page	ResponseErrorListV2

Response Headers

Status	Header	Type	Format	Description
200	x-v	string		The version of the API end point that the data holder has responded with.
200	x-fapi-interaction-id	string		An [RFC4122] UUID used as a correlation id. If provided, the data holder must play back this value in the x-fapi-interaction-id response header. If not provided a [RFC4122] UUID value is required to be provided in the response header to track the interaction.
400	x-fapi-interaction-id	string		An [RFC4122] UUID used as a correlation id. If provided, the data holder must play back this value in the x-fapi-interaction-id response header. If not provided a [RFC4122] UUID value is required to be provided in the response header to track the interaction.
406	x-fapi-interaction-id	string		An [RFC4122] UUID used as a correlation id. If provided, the data holder must play back this value in the x-fapi-interaction-id response header. If not provided a [RFC4122] UUID value is required to be provided in the response header to track the interaction.
422	x-fapi-interaction-id	string		An [RFC4122] UUID used as a correlation id. If provided, the data holder must play back this value in the x-fapi-interaction-id response header. If not provided a [RFC4122] UUID value is required to be provided in the response header to track the interaction.

Get Payee Detail

Code samples

GET https://data.holder.com.au/cds-au/v1/banking/payees/{payeeId} HTTP/1.1
Host: data.holder.com.au
Accept: application/json
x-v: string
x-min-v: string
x-fapi-interaction-id: string
x-fapi-auth-date: string
x-fapi-customer-ip-address: string
x-cds-client-headers: string

var headers = {
  'Accept':'application/json',
  'x-v':'string',
  'x-min-v':'string',
  'x-fapi-interaction-id':'string',
  'x-fapi-auth-date':'string',
  'x-fapi-customer-ip-address':'string',
  'x-cds-client-headers':'string'

};

$.ajax({
  url: 'https://data.holder.com.au/cds-au/v1/banking/payees/{payeeId}',
  method: 'get',

  headers: headers,
  success: function(data) {
    console.log(JSON.stringify(data));
  }
})

GET /banking/payees/{payeeId}

Obtain detailed information on a single payee.

Note that the payee sub-structure should be selected to represent the payment destination only rather than any known characteristics of the payment recipient.

Obsolete versions: v1

Endpoint Version

Version	2

Parameters

Name	In	Type	Required	Description
payeeId	path	ASCIIString	mandatory	The ID used to locate the details of a particular payee
x-v	header	string	mandatory	Version of the API end point requested by the client. Must be set to a positive integer. The data holder should respond with the highest supported version between x-min-v and x-v. If the value of x-min-v is equal to or higher than the value of x-v then the x-min-v header should be treated as absent. If all versions requested are not supported then the data holder must respond with a 406 Not Acceptable. See HTTP Headers
x-min-v	header	string	optional	Minimum version of the API end point requested by the client. Must be set to a positive integer if provided. The data holder should respond with the highest supported version between x-min-v and x-v. If all versions requested are not supported then the data holder must respond with a 406 Not Acceptable.
x-fapi-interaction-id	header	string	optional	An [RFC4122] UUID used as a correlation id. If provided, the data holder must play back this value in the x-fapi-interaction-id response header. If not provided a [RFC4122] UUID value is required to be provided in the response header to track the interaction.
x-fapi-auth-date	header	string	conditional	The time when the customer last logged in to the Data Recipient Software Product as described in [FAPI-R-Draft]. Required for all resource calls (customer present and unattended). Not required for unauthenticated calls.
x-fapi-customer-ip-address	header	string	optional	The customer's original IP address if the customer is currently logged in to the Data Recipient Software Product. The presence of this header indicates that the API is being called in a customer present context. Not to be included for unauthenticated calls.
x-cds-client-headers	header	Base64	conditional	The customer's original standard http headers Base64 encoded, including the original User Agent header, if the customer is currently logged in to the Data Recipient Software Product. Mandatory for customer present calls. Not required for unattended or unauthenticated calls.

Example responses

200 Response

{
  "data": {
    "payeeId": "string",
    "nickname": "string",
    "description": "string",
    "type": "BILLER",
    "creationDate": "string",
    "payeeUType": "biller",
    "biller": {
      "billerCode": "string",
      "crn": "string",
      "billerName": "string"
    },
    "domestic": {
      "payeeAccountUType": "account",
      "account": {
        "accountName": "string",
        "bsb": "string",
        "accountNumber": "string"
      },
      "card": {
        "cardNumber": "string"
      },
      "payId": {
        "name": "string",
        "identifier": "string",
        "type": "ABN"
      }
    },
    "digitalWallet": {
      "name": "string",
      "identifier": "string",
      "type": "EMAIL",
      "provider": "PAYPAL_AU"
    },
    "international": {
      "beneficiaryDetails": {
        "name": "string",
        "country": "string",
        "message": "string"
      },
      "bankDetails": {
        "country": "string",
        "accountNumber": "string",
        "bankAddress": {
          "name": "string",
          "address": "string"
        },
        "beneficiaryBankBIC": "string",
        "fedWireNumber": "string",
        "sortCode": "string",
        "chipNumber": "string",
        "routingNumber": "string",
        "legalEntityIdentifier": "string"
      }
    }
  },
  "links": {
    "self": "string"
  },
  "meta": {}
}

Responses

Status	Meaning	Description	Schema
200	OK	Success	ResponseBankingPayeeByIdV2
400	Bad Request	The following error codes MUST be supported: 400 - Invalid Field 400 - Invalid Page Size 400 - Invalid Version	ResponseErrorListV2
404	Not Found	The following error codes MUST be supported: 404 - Unavailable Resource 404 - Invalid Resource	ResponseErrorListV2
406	Not Acceptable	The following error codes MUST be supported: 406 - Unsupported Version	ResponseErrorListV2
422	Unprocessable Entity	The following error codes MUST be supported: 422 - Invalid Page	ResponseErrorListV2

Response Headers

Status	Header	Type	Format	Description
200	x-v	string		The version of the API end point that the data holder has responded with.
200	x-fapi-interaction-id	string		An [RFC4122] UUID used as a correlation id. If provided, the data holder must play back this value in the x-fapi-interaction-id response header. If not provided a [RFC4122] UUID value is required to be provided in the response header to track the interaction.
400	x-fapi-interaction-id	string		An [RFC4122] UUID used as a correlation id. If provided, the data holder must play back this value in the x-fapi-interaction-id response header. If not provided a [RFC4122] UUID value is required to be provided in the response header to track the interaction.
404	x-fapi-interaction-id	string		An [RFC4122] UUID used as a correlation id. If provided, the data holder must play back this value in the x-fapi-interaction-id response header. If not provided a [RFC4122] UUID value is required to be provided in the response header to track the interaction.
406	x-fapi-interaction-id	string		An [RFC4122] UUID used as a correlation id. If provided, the data holder must play back this value in the x-fapi-interaction-id response header. If not provided a [RFC4122] UUID value is required to be provided in the response header to track the interaction.
422	x-fapi-interaction-id	string		An [RFC4122] UUID used as a correlation id. If provided, the data holder must play back this value in the x-fapi-interaction-id response header. If not provided a [RFC4122] UUID value is required to be provided in the response header to track the interaction.

Get Products

Code samples

GET https://data.holder.com.au/cds-au/v1/banking/products HTTP/1.1
Host: data.holder.com.au
Accept: application/json
x-v: string
x-min-v: string

var headers = {
  'Accept':'application/json',
  'x-v':'string',
  'x-min-v':'string'

};

$.ajax({
  url: 'https://data.holder.com.au/cds-au/v1/banking/products',
  method: 'get',

  headers: headers,
  success: function(data) {
    console.log(JSON.stringify(data));
  }
})

GET /banking/products

Obtain a list of products that are currently openly offered to the market

Note that the results returned by this end point are expected to be ordered in descending order according to lastUpdated.

Conventions

In the product reference payloads there are a number of recurring conventions that are explained here, in one place.

Arrays Of Features

In the product detail payload there are a number of arrays articulating generic features, constraints, prices, etc. The intent of these arrays is as follows:

• Each element in an array has the same structure so that clients can reliably interpret the payloads
• Each element as a type element that is an enumeration of the specific aspect of a product being described, such as types of fees.
• Each element has a field name additionalValue. This is a generic field with contents that will vary based on the type of object being described. The contents of this field for the ADDITIONAL_CARDS feature is the number of cards allowed while the contents of this field for the MAX_LIMIT constraint would be the maximum credit limit allowed for the product.
• An element in these arrays of the same type may appear more than once. For instance, a product may offer two separate loyalty programs that the customer can select from. A fixed term mortgage may have different rates for different term lengths.
• An element in these arrays may contain an additionalInfo and additionalInfoUri field. The additionalInfo field is used to provide displayable text clarifying the purpose of the element in some way when the product is presented to a customer. The additionalInfoUri provides a link to externally hosted information specifically relevant to that feature of the product.
• Depending on the type of data being represented there may be additional specific fields.

URIs To More Information

As the complexities and nuances of a financial product can not easily be fully expressed in a data structure without a high degree of complexity it is necessary to provide additional reference information that a potential customer can access so that they are fully informed of the features and implications of the product. The payloads for product reference therefore contain numerous fields that are provided to allow the product holder to describe the product more fully using a web page hosted on their online channels.

These URIs do not need to all link to different pages. If desired, they can all link to a single hosted page and use difference HTML anchors to focus on a specific topic such as eligibility or fees.

Linkage To Accounts

From the moment that a customer applies for a product and an account is created the account and the product that spawned it will diverge. Rates and features of the product may change and a discount may be negotiated for the account.

For this reason, while productCategory is a common field between accounts and products, there is no specific ID that can be used to link an account to a product within the regime.

Similarly, many of the fields and objects in the product payload will appear in the account detail payload but the structures and semantics are not identical as one refers to a product that can potentially be originated and one refers to an account that actual has been instantiated and created along with the associated decisions inherent in that process.

Dates

It is expected that data consumers needing this data will call relatively frequently to ensure the data they have is representative of the current offering from a bank. To minimise the volume and frequency of these calls the ability to set a lastUpdated field with the date and time of the last update to this product is included. A call for a list of products can then be filtered to only return products that have been updated since the last time that data was obtained using the updated-since query parameter.

In addition, the concept of effective date and time has also been included. This allows for a product to be marked for obsolescence, or introduction, from a certain time without the need for an update to show that a product has been changed. The inclusion of these dates also removes the need to represent deleted products in the payload. Products that are no long offered can be marked not effective for a few weeks before they are then removed from the product set as an option entirely.

Obsolete versions: v1 v2

Endpoint Version

Version	3

Parameters

Name	In	Type	Required	Description
effective	query	string	optional	Allows for the filtering of products based on whether the current time is within the period of time defined as effective by the effectiveFrom and effectiveTo fields. Valid values are ‘CURRENT’, ‘FUTURE’ and ‘ALL’. If absent defaults to 'CURRENT'
updated-since	query	DateTimeString	optional	Only include products that have been updated after the specified date and time. If absent defaults to include all products
brand	query	string	optional	Filter results based on a specific brand
product-category	query	string	optional	Used to filter results on the productCategory field applicable to accounts. Any one of the valid values for this field can be supplied. If absent then all accounts returned.
page	query	PositiveInteger	optional	Page of results to request (standard pagination)
page-size	query	PositiveInteger	optional	Page size to request. Default is 25 (standard pagination)
x-v	header	string	mandatory	Version of the API end point requested by the client. Must be set to a positive integer. The data holder should respond with the highest supported version between x-min-v and x-v. If the value of x-min-v is equal to or higher than the value of x-v then the x-min-v header should be treated as absent. If all versions requested are not supported then the data holder must respond with a 406 Not Acceptable. See HTTP Headers
x-min-v	header	string	optional	Minimum version of the API end point requested by the client. Must be set to a positive integer if provided. The data holder should respond with the highest supported version between x-min-v and x-v. If all versions requested are not supported then the data holder must respond with a 406 Not Acceptable.

Enumerated Values

Parameter	Value
effective	ALL
effective	CURRENT
effective	FUTURE
product-category	BUSINESS_LOANS
product-category	CRED_AND_CHRG_CARDS
product-category	LEASES
product-category	MARGIN_LOANS
product-category	OVERDRAFTS
product-category	PERS_LOANS
product-category	REGULATED_TRUST_ACCOUNTS
product-category	RESIDENTIAL_MORTGAGES
product-category	TERM_DEPOSITS
product-category	TRADE_FINANCE
product-category	TRANS_AND_SAVINGS_ACCOUNTS
product-category	TRAVEL_CARDS

Example responses

200 Response

{
  "data": {
    "products": [
      {
        "productId": "string",
        "effectiveFrom": "string",
        "effectiveTo": "string",
        "lastUpdated": "string",
        "productCategory": "BUSINESS_LOANS",
        "name": "string",
        "description": "string",
        "brand": "string",
        "brandName": "string",
        "applicationUri": "string",
        "isTailored": true,
        "additionalInformation": {
          "overviewUri": "string",
          "termsUri": "string",
          "eligibilityUri": "string",
          "feesAndPricingUri": "string",
          "bundleUri": "string",
          "additionalOverviewUris": [
            {
              "description": "string",
              "additionalInfoUri": "string"
            }
          ],
          "additionalTermsUris": [
            {
              "description": "string",
              "additionalInfoUri": "string"
            }
          ],
          "additionalEligibilityUris": [
            {
              "description": "string",
              "additionalInfoUri": "string"
            }
          ],
          "additionalFeesAndPricingUris": [
            {
              "description": "string",
              "additionalInfoUri": "string"
            }
          ],
          "additionalBundleUris": [
            {
              "description": "string",
              "additionalInfoUri": "string"
            }
          ]
        },
        "cardArt": [
          {
            "title": "string",
            "imageUri": "string"
          }
        ]
      }
    ]
  },
  "links": {
    "self": "string",
    "first": "string",
    "prev": "string",
    "next": "string",
    "last": "string"
  },
  "meta": {
    "totalRecords": 0,
    "totalPages": 0
  }
}

Responses

Status	Meaning	Description	Schema
200	OK	Success	ResponseBankingProductListV2
400	Bad Request	The following error codes MUST be supported: 400 - Invalid Field 400 - Invalid Date 400 - Invalid Page Size 400 - Invalid Version	ResponseErrorListV2
406	Not Acceptable	The following error codes MUST be supported: 406 - Unsupported Version	ResponseErrorListV2
422	Unprocessable Entity	The following error codes MUST be supported: 422 - Invalid Page	ResponseErrorListV2

Response Headers

Status	Header	Type	Format	Description
200	x-v	string		The version of the API end point that the data holder has responded with.

Get Product Detail

Code samples

GET https://data.holder.com.au/cds-au/v1/banking/products/{productId} HTTP/1.1
Host: data.holder.com.au
Accept: application/json
x-v: string
x-min-v: string

var headers = {
  'Accept':'application/json',
  'x-v':'string',
  'x-min-v':'string'

};

$.ajax({
  url: 'https://data.holder.com.au/cds-au/v1/banking/products/{productId}',
  method: 'get',

  headers: headers,
  success: function(data) {
    console.log(JSON.stringify(data));
  }
})

GET /banking/products/{productId}

Obtain detailed information on a single product offered openly to the market.

Obsolete versions: v1 v2 v3

Endpoint Version

Version	4

Parameters

Name	In	Type	Required	Description
productId	path	ASCIIString	mandatory	ID of the specific product requested
x-v	header	string	mandatory	Version of the API end point requested by the client. Must be set to a positive integer. The data holder should respond with the highest supported version between x-min-v and x-v. If the value of x-min-v is equal to or higher than the value of x-v then the x-min-v header should be treated as absent. If all versions requested are not supported then the data holder must respond with a 406 Not Acceptable. See HTTP Headers
x-min-v	header	string	optional	Minimum version of the API end point requested by the client. Must be set to a positive integer if provided. The data holder should respond with the highest supported version between x-min-v and x-v. If all versions requested are not supported then the data holder must respond with a 406 Not Acceptable.

Example responses

200 Response

{
  "data": {
    "productId": "string",
    "effectiveFrom": "string",
    "effectiveTo": "string",
    "lastUpdated": "string",
    "productCategory": "BUSINESS_LOANS",
    "name": "string",
    "description": "string",
    "brand": "string",
    "brandName": "string",
    "applicationUri": "string",
    "isTailored": true,
    "additionalInformation": {
      "overviewUri": "string",
      "termsUri": "string",
      "eligibilityUri": "string",
      "feesAndPricingUri": "string",
      "bundleUri": "string",
      "additionalOverviewUris": [
        {
          "description": "string",
          "additionalInfoUri": "string"
        }
      ],
      "additionalTermsUris": [
        {
          "description": "string",
          "additionalInfoUri": "string"
        }
      ],
      "additionalEligibilityUris": [
        {
          "description": "string",
          "additionalInfoUri": "string"
        }
      ],
      "additionalFeesAndPricingUris": [
        {
          "description": "string",
          "additionalInfoUri": "string"
        }
      ],
      "additionalBundleUris": [
        {
          "description": "string",
          "additionalInfoUri": "string"
        }
      ]
    },
    "cardArt": [
      {
        "title": "string",
        "imageUri": "string"
      }
    ],
    "bundles": [
      {
        "name": "string",
        "description": "string",
        "additionalInfo": "string",
        "additionalInfoUri": "string",
        "productIds": [
          "string"
        ]
      }
    ],
    "features": [
      {
        "featureType": "ADDITIONAL_CARDS",
        "additionalValue": "string",
        "additionalInfo": "string",
        "additionalInfoUri": "string"
      }
    ],
    "constraints": [
      {
        "constraintType": "MAX_BALANCE",
        "additionalValue": "string",
        "additionalInfo": "string",
        "additionalInfoUri": "string"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "BUSINESS",
        "additionalValue": "string",
        "additionalInfo": "string",
        "additionalInfoUri": "string"
      }
    ],
    "fees": [
      {
        "name": "string",
        "feeType": "DEPOSIT",
        "amount": "string",
        "balanceRate": "string",
        "transactionRate": "string",
        "accruedRate": "string",
        "accrualFrequency": "string",
        "currency": "string",
        "additionalValue": "string",
        "additionalInfo": "string",
        "additionalInfoUri": "string",
        "discounts": [
          {
            "description": "string",
            "discountType": "BALANCE",
            "amount": "string",
            "balanceRate": "string",
            "transactionRate": "string",
            "accruedRate": "string",
            "feeRate": "string",
            "additionalValue": "string",
            "additionalInfo": "string",
            "additionalInfoUri": "string",
            "eligibility": [
              {
                "discountEligibilityType": "BUSINESS",
                "additionalValue": "string",
                "additionalInfo": "string",
                "additionalInfoUri": "string"
              }
            ]
          }
        ]
      }
    ],
    "depositRates": [
      {
        "depositRateType": "BONUS",
        "rate": "string",
        "calculationFrequency": "string",
        "applicationFrequency": "string",
        "tiers": [
          {
            "name": "string",
            "unitOfMeasure": "DAY",
            "minimumValue": 0,
            "maximumValue": 0,
            "rateApplicationMethod": "PER_TIER",
            "applicabilityConditions": {
              "additionalInfo": "string",
              "additionalInfoUri": "string"
            },
            "additionalInfo": "string",
            "additionalInfoUri": "string"
          }
        ],
        "additionalValue": "string",
        "additionalInfo": "string",
        "additionalInfoUri": "string"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "BUNDLE_DISCOUNT_FIXED",
        "rate":