About this register
This register is a record of all Consumer Data Right exemptions granted by the ACCC.
The Consumer Data Right is a world-leading data sharing and portability initiative that:
- allows consumers to safely share the data that businesses hold about them with accredited third parties
- helps consumers compare between products and services to find offers that best match their needs, and
- encourages competition between providers, leading to more innovative products and services.
The ACCC has a broad discretionary power under section 56GD of the Competition and Consumer Act 2010 to exempt a person from the Consumer Data Right regime. This includes:
- provisions in Part IVD in the Competition and Consumer Act 2010
- regulations made for the purposes of Part IVD, and
- the consumer data rules.
Each exemption application is assessed on a case-by-case basis. An exemption may or may not be time limited and can be subject to conditions. The ACCC cannot retrospectively grant an exemption for conduct that has occurred.
Find out more about the Consumer Data Right and the exemption process, including guidelines on our approach to assessing exemptions and the application process.
Register entries
On 28 November 2024, the Australian Competition and Consumer Commission (ACCC) granted an exemption under section 56GD of the Competition and Consumer Act 2010 (Cth) to Auswide Bank Ltd (Auswide) deferring its product reference data and consumer data sharing obligations with respect to products of its Selfco brand until 30 June 2026.
On 14 November 2024, the Australian Competition and Consumer Commission (ACCC) granted an exemption under section 56GD of the Competition and Consumer Act 2010 (Cth) (the Act) to Heartland Bank Australia Limited deferring its product reference data and consumer data sharing obligations with respect to its reverse mortgage product until 30 June 2027.
On 17 October 2024, the Australian Competition and Consumer Commission (ACCC) granted an exemption under section 56GD of the Competition and Consumer Act 2010 (Cth) to in1bank Ltd (in1bank) deferring its obligations to deliver consumer and product reference data sharing until 31 March 2025.
On 4 October 2024, the Australian Competition and Consumer Commission (ACCC) granted an exemption under section 56GD of the Competition and Consumer Act 2010 (Cth) (the Act) to National Australia Bank Limited (NAB) deferring certain consumer data sharing obligations in respect of non-individuals, partnerships and secondary users for its Citigroup Pty Limited consumer business (Citi), Suncorp-Metway Limited and white label credit card brands and for all personal loan products issued by NAB on behalf of Citi and Coles until 30 November 2025.
On 19 September 2024, the Australian Competition and Consumer Commission (ACCC) granted an exemption under section 56GD of the Competition and Consumer Act 2010 (Cth) to Heritage and People’s Choice Limited deferring its obligation to invite a CDR consumer to amend a current authorisation, with respect to its members with existing consumer data sharing consents for Heritage Bank branded products until 31 October 2025.
On 5 September 2024, 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 deferring its consumer data sharing obligations for its Solar Ease trial product until 31 December 2025.
On 27 June 2024, the Australian Competition and Consumer Commission (ACCC) granted an exemption under section 56GD of the Competition and Consumer Act 2010 (Cth) (the Act) to Indue Ltd deferring all its CDR obligations until 30 June 2026.
On 13 June 2024, the Australian Competition and Consumer Commission (ACCC) granted an exemption under section 56GD of the Competition and Consumer Act 2010 (Cth) to Energy Locals Pty Ltd deferring its obligations to share consumer data in respect of complex and non-complex requests until 30 March 2025.
On 30 May 2024, 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 deferring its consumer data sharing obligations for its Solar Home Bundle product until 31 December 2025.
On 30 May 2024, the Australian Competition and Consumer Commission (ACCC) granted an exemption under section 56GD of the Competition and Consumer Act 2010 (Cth) to Regional Australia Bank Ltd deferring its consumer data sharing obligations in respect of the Macquarie Credit Union brand until 31 January 2025.
On 18 April 2024, 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 obligations for its Battery Ease trial until 31 December 2025.
On 18 April 2024, the Australian Competition and Consumer Commission (ACCC) granted an exemption under section 56GD of the Competition and Consumer Act 2010 (Cth) to Beyond Bank Australia Limited deferring its consumer data sharing obligations in respect of the AWA Alliance Bank brand until 31 December 2024.
On 4 April 2024, the Australian Competition and Consumer Commission (ACCC) granted an exemption under section 56GD of the Competition and Consumer Act 2010 (Cth) to Amber Electric Pty Ltd deferring its obligations to share consumer data in respect of complex and non-complex requests until 31 March 2025.
On 21 March 2024, the Australian Competition and Consumer Commission (ACCC) granted an exemption under section 56GD of the Competition and Consumer Act 2010 (Cth) to Avenue Bank Limited deferring its product reference data and consumer data sharing obligations until 31 July 2025.
On 22 February 2024, the Australian Competition and Consumer Commission (ACCC) granted an exemption under section 56GD of the Competition and Consumer Act 2010 (Cth) to Bank of Queensland Limited (BOQ) from certain obligations under the CDR Rules in respect of sharing consumer data held on the ME Bank legacy platforms relating to customers that have been migrated to BOQ’s cloud-based digital retail banking platform. The ACCC granted the exemption in response to an application from BOQ.
On 14 December 2023, 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 deferring its obligations to disclose its product and consumer data until 1 July 2024.
On 14 December 2023, the Australian Competition and Consumer Commission (ACCC) granted an exemption under section 56GD of the Competition and Consumer Act 2010 (Cth) (the Act) to Bendigo and Adelaide Bank Limited (BABL) deferring certain consumer data sharing obligations in relation to its Rural Bank brand until 30 November 2024, and in relation to its Adelaide Bank brand until 30 June 2024 for new and refinanced brokered customers and until 31 December 2025 for existing brokered customers and white-labelled products.
On 14 December 2023, the Australian Competition and Consumer Commission (ACCC) granted an exemption under section 56GD of the Competition and Consumer Act 2010 (Cth) to National Australia Bank Limited (NAB) deferring its consumer data sharing obligations until 26 February 2026, for Citi-branded mortgage and deposit accounts closed between 1 April 2022 and 25 February 2024 held by individuals, non-individuals and partnerships (including joint accounts).
On 14 December 2023, the Australian Competition and Consumer Commission (ACCC) granted a time-limited, conditional exemption under section 56GD of the Competition and Consumer Act 2010 (Cth) to Heritage and People’s Choice Limited (HPCL) deferring certain obligations (as specified in the exemption instrument) in respect of the cohort of consumers that have products with both the Heritage Bank and People’s Choice brands, but only meet the CDR consumer eligibility criteria with respect to one of those brands until 30 April 2026.
On 16 November 2023, the Australian Competition and Consumer Commission (ACCC) granted an exemption under section 56GD of the Competition and Consumer Act 2010 (Cth) (the Act) to Alex Bank deferring certain consumer data sharing obligations under the CDR Rules (as specified in the exemption instrument) until 31 December 2024.