Consumer data right exemptions register

This register contains details of exemptions issued by the ACCC under section 56GD of the Competition and Consumer Act 2010 (the Act). The ACCC may exempt a person from one or more of the provisions of the consumer data right (CDR) regime, which includes the provisions in Part IVD of the Act, regulations made for the purposes of Part IVD and the consumer data rules. 

Recent exemptions

On 15 December 2022, the Australian Competition and Consumer Commission (ACCC) granted an exemption under section 56GD of the Competition and Consumer Act 2010 (Cth) to Macquarie Bank Limited (Macquarie) deferring its consumer data sharing obligations for certain business banking products until 1 August 2023.
On 1 December 2022, the Australian Competition and Consumer Commission (ACCC) granted an exemption under section 56GD of the Competition and Consumer Act 2010 (Cth), to Liberty Financial Pty Ltd (Liberty) deferring its reciprocal data holder obligations for all product phases until 1 December 2023.
On 17 November 2022, the Australian Competition and Consumer Commission (ACCC), granted an exemption under section 56GD of the Competition and Consumer Act 2010 (Cth) to Alex Bank Pty Ltd (Alex Bank) deferring its consumer data sharing obligations until 31 December 2023.
On 20 October 2022, the Australian Competition and Consumer Commission (ACCC) granted a time-limited exemption under section 56GD of the Competition and Consumer Act 2010 (Cth) to National Australia Bank Limited (NAB) deferring certain consumer data sharing obligations in respect of non-individuals, partnerships and secondary users for its Citi and white label brands.
On 20 October 2022, the Australian Competition and Consumer Commission (ACCC) granted an exemption under section 56GD of the Competition and Consumer Act 2010 (Cth) to EnergyAustralia Pty Ltd (EnergyAustralia) deferring its consumer data sharing in respect of non-complex requests until 15 May 2023 (a 6 month delay).
On 20 October 2022, the Australian Competition and Consumer Commission (ACCC) granted an exemption under section 56GD of the Competition and Consumer Act 2010 (Cth) to Newcastle Permanent Building Society Limited in relation to its consumer data sharing obligations for Business+ Credit Card accounts held by sole traders.
On 6 October 2022, the Australian Competition and Consumer Commission (ACCC) granted an exemption under section 56GD of the Competition and Consumer Act 2010 (Cth) to BNK Banking Corporation Limited (BNK) deferring its consumer data sharing obligations until 6 April 2023.
On 11 August 2022, the Australian Competition and Consumer Commission (ACCC) granted an exemption under section 56GD of the Competition and Consumer Act 2010 (Cth) to Arab Bank Australia Limited (Arab Bank) deferring its consumer data sharing obligations in respect of joint accounts and in respect of non-individuals, nominated representatives, partnerships and secondary usersĀ until 31 May 2023.
On 28 July 2022, the Australian Competition and Consumer Commission (ACCC) granted an exemption under section 56GD of the Competition and Consumer Act 2010 (Cth) (the CCA) to Beyond Bank Australia Limited (Beyond Bank) deferring its consumer data sharing obligations in respect of historical data for former South-West Credit Union Co-Operative Limited (SWCU) customers until 29 September 2023.
On 14 July 2022, the Australian Competition and Consumer Commission (ACCC) granted an exemption under section 56GD of the Competition and Consumer Act 2010 (Cth) to Dnister Ukrainian Credit Co-operative Ltd (Dnister) deferring its obligations to deliver profile scope functionality until 1 January 2023 and enable consumer data sharing for non-individual consumers until 1 April 2023.
On 5 May 2022, the Australian Competition and Consumer Commission (ACCC) granted an exemption under section 56GD of the Competition and Consumer Act 2010 (Cth) to Northern Inland Credit Union Limited (NICU), deferring the commencement date of its phase 1, 2 and 3 consumer data sharing obligations and its direct-to-consumer obligations until 1 November 2022.
On 7 April 2022, the Australian Competition and Consumer Commission (ACCC) granted an exemption under section 56GD of the Competition and Consumer Act 2010 (Cth) to Macquarie Credit Union Limited (MCU) deferring its consumer data sharing obligations until 31 March 2023.