V1.28.0 Release Notes

Release notes for version v1.28.0 of the CDR Standards.

Changes Made

Change Requests

This release addresses the following minor defects raised on Standards Staging:

None

This release addresses the following change requests raised on Standards Maintenance:

None

Decision Proposals

This release addresses the following Decision Proposals published on Standards:

Decision Proposal 306 - Updates to Banking Product and Account Detail (See Decision Proposal 306 Candidate below)
Decision Proposal 318 - Non-Bank Lending Standards (See Non-Bank Lending Draft below)

General Changes

Change	Description	Link
Enum property type	Properties defined with enumerated values will now show the type as 'Enum' instead of 'string'	All schema Properties tables

Introduction

None

High Level Standards

None

API End Points

None

Information Security Profile

None

Register Standards

None

Consumer Experience

None

Non-Functional Requirements

None

Additional Standards

Change Description Link

Decision Proposal 306 Candidate

Change	Description	Link
Decision Proposal 306 Candidate	Changed the `cardArt` array to a `cardOption` object to provide additional card details in 'Get Products', 'Get Product Detail' and 'Get Account Detail'. Added the `FEE` `lendingRateType` value to support lending products that have a fee-based rather than rate-based cost. This type may be expected to align to the new `PRINCIPAL_AND_FEE` `repaymentType`. Added the `BALANCE_TRANSFER` `lendingRateType` value to extend support for credit card plan detail. Updated the `creditCard` schema in 'Get Account Detail' to allow an array of plan types, each with specific rates, repayments, adjustments and features. Added `revertRate`, `revertProductId`, `rateStartDate` and `rateEndDate` fields to respective lending rate schemas to support 'revert' rate details. Added `referenceRate` to multiple lending and deposit rate schemas. Added `adjustmentToBase` and `adjustmentBundle` fields to the 'BankingProductLendingRate' and 'BankingProductDepositRate' schemas. The `adjustmentToBase` field is provided to allow an adjustment rate type to specify which base rate type the adjustment applies to, where many may be offered for a product. Updated and added the `applicabilityConditions` field in the 'BankingProductLendingRate', 'BankingProductDepositRate' and 'BankingProductRateTier' schemas. Added the `applicationType` field to clarify whether an associated `applicationFrequency` value is to be expected. Updated the description of the `features` property of 'Get Product Detail' and 'Get Account Detail' to clarify that the schema also supports providing details of any key operational product limitations. Updated the description of the `constraints` property of 'Get Product Detail' to clarify that the schema is only intended to provide details of constraints on application for the product. Added new `featureType` values to support operational limitations and the `OTHER` `constraintType` to allow additional detail to be provided. Added new `feeCategory` field and new `feeType` values to improve classification and comparison of fees. Updated the 'BankingProductFee' schema to separate different fee types by UType and added minimum and maximum fee details and `feeCap` fields. Incorporated rate detail into the 'Get Account Detail' schemas to provide specific rate fields separated from the generic Product Reference rate objects. Extended the `termDeposit` schema in 'Get Account Detail' to allow each deposit to be specified with specific rates and terms. Updated the 'adjustment' rate type values to remove the `INTRODUCTORY`, `BUNDLE_BONUS`, `BUNDLE_DISCOUNT_FIXED`, `BUNDLE_DISCOUNT_VARIABLE` options. Time and bundle-based rate detail will be supported through new fields to capture that detail: `adjustmentBundle`, `adjustmentPeriod` and `adjustmentEndDate`, leaving the `additionalValue` field available for other detail where necessary. Added a `deposit` schema in 'Get Account Detail' to provide rate detail for general deposit structures without term deposit maturity detail. Removed the `specificAccountUType` field in 'Get Account Detail' to clarify that multiple types may be present in a single account. Updated the 'Use of additionalValue Field' descriptions for the `PENSION_RECIPIENT` and `STUDENT` 'Product Eligibility' and 'Product Discount Eligibility' types. Updated the description of the `comparisonRate` field to clarify how it could be interpreted when associated with an adjustment rate type. Updated the description of the rate tier `unitOfMeasure` field to clarify the format of the associated values, including specifying `PERCENT` values as a RateString. This candidate incorporates the latest Non-Bank Lending (NBL) Draft changes including the `BUY_NOW_PAY_LATER` product category value, the `instalments` object, and related feature and fee types. The endpoint versions incremented due to changes related to the NBL Draft only, are: Get Accounts (v3) Get Bulk Balances (v2) Get Bulk Direct Debits (v2) Get Scheduled Payments Bulk (v3). Other NBL changes affecting the Register APIs are only shown in the NBL Draft. The endpoint versions incremented primarily for Decision Proposal 306, but also including NBL detail are: Get Account Detail (v4) Get Products (v4) Get Product Detail (v5). Corrected minor typos and updated documentation formatting.	Candidate Standards
Non-Bank Lending Draft	Updated Register endpoint versions affected by the addition of the `non-bank-lending` value in the `industry` query and `industries` response field. The endpoint versions incremented due to these changes are: Get Data Holder Brands (v3) Get Data Holder Brands Summary (v2) Get Data Holder Statuses (v2). Previous Register endpoint versions are available through the respective 'Obsolete versions' links. Updated Banking endpoint versions affected by the addition of the `BUY_NOW_PAY_LATER` value in the `product-category` query. Added `instalments` object in 'Get Product Detail' and 'Get Account Detail' endpoints. Added `EXTRA_DOWN_PAYMENT` `featureType` to support 'Buy Now, Pay Later' or similar products where a variable down-payment may be made. Added the 'Product Categories' section to include a general description of the `BUY_NOW_PAY_LATER` category. Added the 'Product & Account Components' section to include descriptions of the previously included `PAYMENT_LATE` and `UPFRONT_PER_PLAN` `feeType` values. The endpoint versions incremented due to these changes are: Get Accounts (v3) Get Bulk Balances (v2) Get Account Detail (v4) Get Bulk Direct Debits (v2) Get Scheduled Payments Bulk (v3) Get Products (v4) Get Product Detail (v5). Previous Banking endpoint versions are available through the respective 'Obsolete versions' links. Corrected minor typos and updated documentation formatting. Added Consumer Experience section with Banking Language for reference only.	Draft Standards

Changed the cardArt array to a cardOption object to provide additional card details in 'Get Products', 'Get Product Detail' and 'Get Account Detail'.
Added the FEE lendingRateType value to support lending products that have a fee-based rather than rate-based cost. This type may be expected to align to the new PRINCIPAL_AND_FEE repaymentType.
Added the BALANCE_TRANSFER lendingRateType value to extend support for credit card plan detail.
Updated the creditCard schema in 'Get Account Detail' to allow an array of plan types, each with specific rates, repayments, adjustments and features.
Added revertRate, revertProductId, rateStartDate and rateEndDate fields to respective lending rate schemas to support 'revert' rate details.
Added referenceRate to multiple lending and deposit rate schemas.
Added adjustmentToBase and adjustmentBundle fields to the 'BankingProductLendingRate' and 'BankingProductDepositRate' schemas. The adjustmentToBase field is provided to allow an adjustment rate type to specify which base rate type the adjustment applies to, where many may be offered for a product.
Updated and added the applicabilityConditions field in the 'BankingProductLendingRate', 'BankingProductDepositRate' and 'BankingProductRateTier' schemas.
Added the applicationType field to clarify whether an associated applicationFrequency value is to be expected.
Updated the description of the features property of 'Get Product Detail' and 'Get Account Detail' to clarify that the schema also supports providing details of any key operational product limitations.
Updated the description of the constraints property of 'Get Product Detail' to clarify that the schema is only intended to provide details of constraints on application for the product.
Added new featureType values to support operational limitations and the OTHER constraintType to allow additional detail to be provided.
Added new feeCategory field and new feeType values to improve classification and comparison of fees.
Updated the 'BankingProductFee' schema to separate different fee types by UType and added minimum and maximum fee details and feeCap fields.
Incorporated rate detail into the 'Get Account Detail' schemas to provide specific rate fields separated from the generic Product Reference rate objects.
Extended the termDeposit schema in 'Get Account Detail' to allow each deposit to be specified with specific rates and terms.
Updated the 'adjustment' rate type values to remove the INTRODUCTORY, BUNDLE_BONUS, BUNDLE_DISCOUNT_FIXED, BUNDLE_DISCOUNT_VARIABLE options. Time and bundle-based rate detail will be supported through new fields to capture that detail: adjustmentBundle, adjustmentPeriod and adjustmentEndDate, leaving the additionalValue field available for other detail where necessary.
Added a deposit schema in 'Get Account Detail' to provide rate detail for general deposit structures without term deposit maturity detail.
Removed the specificAccountUType field in 'Get Account Detail' to clarify that multiple types may be present in a single account.
Updated the 'Use of additionalValue Field' descriptions for the PENSION_RECIPIENT and STUDENT 'Product Eligibility' and 'Product Discount Eligibility' types.
Updated the description of the comparisonRate field to clarify how it could be interpreted when associated with an adjustment rate type.
Updated the description of the rate tier unitOfMeasure field to clarify the format of the associated values, including specifying PERCENT values as a RateString.
This candidate incorporates the latest Non-Bank Lending (NBL) Draft changes including the BUY_NOW_PAY_LATER product category value, the instalments object, and related feature and fee types. The endpoint versions incremented due to changes related to the NBL Draft only, are:
- Get Accounts (v3)
- Get Bulk Balances (v2)
- Get Bulk Direct Debits (v2)
- Get Scheduled Payments Bulk (v3).
- Other NBL changes affecting the Register APIs are only shown in the NBL Draft.
The endpoint versions incremented primarily for Decision Proposal 306, but also including NBL detail are:
- Get Account Detail (v4)
- Get Products (v4)
- Get Product Detail (v5).
Corrected minor typos and updated documentation formatting.

Candidate Standards

Non-Bank Lending Draft

Updated Register endpoint versions affected by the addition of the non-bank-lending value in the industry query and industries response field.
The endpoint versions incremented due to these changes are:
- Get Data Holder Brands (v3)
- Get Data Holder Brands Summary (v2)
- Get Data Holder Statuses (v2).
Previous Register endpoint versions are available through the respective 'Obsolete versions' links.

Updated Banking endpoint versions affected by the addition of the BUY_NOW_PAY_LATER value in the product-category query.
Added instalments object in 'Get Product Detail' and 'Get Account Detail' endpoints.
Added EXTRA_DOWN_PAYMENT featureType to support 'Buy Now, Pay Later' or similar products where a variable down-payment may be made.
Added the 'Product Categories' section to include a general description of the BUY_NOW_PAY_LATER category.
Added the 'Product & Account Components' section to include descriptions of the previously included PAYMENT_LATE and UPFRONT_PER_PLAN feeType values.
The endpoint versions incremented due to these changes are:
- Get Accounts (v3)
- Get Bulk Balances (v2)
- Get Account Detail (v4)
- Get Bulk Direct Debits (v2)
- Get Scheduled Payments Bulk (v3)
- Get Products (v4)
- Get Product Detail (v5).
Previous Banking endpoint versions are available through the respective 'Obsolete versions' links.
Corrected minor typos and updated documentation formatting.
Added Consumer Experience section with Banking Language for reference only.

Draft Standards

Known Issues

None