Consumer's Data Holder(s) not available in ADR consent flow (potentially list not up-to-date)

[anzbankau]

Description

In the current consent flow to share data, the ADR displays a list of Data Holders that a consumer can select to share data from. There is no specific obligation for ADRs to display all Data Holders that participate in the CDR regime within this list, hence some ADRs opt to provide consumers with a list that does not include all Data Holders. This can result in consumers not being able to create a consent to share data from their Data Holder, which is confusing for the consumer, and not aligned to the intent of the principles of the CDR; in this scenario the consumer is not given the choice to share their data because their data holder is not available. Given we have received customer complaints, we are seeking feedback on this issue and suggest a change to the CX standards for ADRs to take reasonable steps to keep their data holder list complete and up-to-date.

Area Affected

CX standards

Change Proposed

Require ADRs to take reasonable steps to keep their data holder list complete and up-to-date