Consumer data right (CDR)

Project overview


On 26 November 2017, the Australian Government introduced Consumer Data Right (CDR) in Australia. CDR will give consumers greater access to and control over their data and will improve consumers’ ability to compare and switch between products and services. It will encourage competition between service providers, leading not only to better prices for customers but also more innovative products and services.

CDR will first apply to the banking sector, followed by the energy sector. The telecommunications sector is currently proposed to follow. The current implementation timetable for banking is available at: Commencement of CDR Rules.

The Federal Treasury is the lead agency for the CDR, and in addition to responsibility for the overall program is accountable for the development of rules to implement the CDR, and for advice to government on which sectors the CDR should apply to in future. Senator Jane Hume, Minister for Superannuation, Financial Services and the Digital Economy became the CDR rule-maker from 28 February 2021.

The ACCC has a number of roles under CDR including:

  • accrediting potential data recipients
  • establishing and maintaining a Register of Accredited Persons and Data Holders
  • monitoring compliance and taking enforcement action where necessary (under a co-regulatory model with the Office of the Australian Information Commissioner (OAIC))
  • providing guidance to stakeholders about their rights and obligations under the CDR as they relate to the ACCC’s role in the CDR ecosystem.

The Data Standards Body (DSB) within Treasury is responsible for the creation of the technical standards for the sharing of consumer data. The current version of the standards is available at: Consumer Data Standards.

The OAIC is the primary complaints handler under the CDR scheme. The OAIC has a range of investigative and enforcement powers to handle privacy complaints and carry out other regulatory activities with respect to privacy.

The ACCC will work with Treasury, the DSB and the OAIC in the development and implementation of the CDR.


Stages Date

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More information

For a full list of media releases, speeches and newsletters about the consumer data right, see:
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