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 22 December 2020 the Australian Competition and Consumer Commission (ACCC) granted an exemption under section 56GD of the Competition and Consumer Act 2010 (Cth) to Teachers Mutual Bank Limited (TMBL), deferring the commencement date of its Phase 2 product reference data obligations until 1 July 2021.
On 4 December 2020 the Australian Competition and Consumer Commission (ACCC) granted an exemption under section 56GD of the Competition and Consumer Act 2010 (Cth) to the Lithuanian Co-operative Credit Society "Talka" Limited (Talka), deferring the commencement of its Consumer Data Right obligations until 12 months after the date Talka makes online banking available to its customers.
On 4 December 2020 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 for its Foreign Currency Account until 1 September 2021, with an additional 6 months to deliver the Get Account Details API.
On 30 September 2020 the Australian Competition and Consumer Commission (ACCC) granted an exemption under section 56GD of the Competition and Consumer Act 2010 (Cth) to Central Murray Credit Union Limited (CMCU), deferring the commencement date of its product reference data obligations until 31 December 2020.
On 28 September 2020, the Australian Competition and Consumer Commission (ACCC) granted an exemption under section 56GD of the Competition and Consumer Act 2010 (Cth) to the Commonwealth Bank of Australia, deferring its consumer data sharing obligations for its Passbook transaction accounts.
On 25 September 2020 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 (Macquarie), delaying its product reference data obligations until 30 June 2021.
On 25 September 2020 the Australian Competition and Consumer Commission (ACCC) granted an exemption under section 56GD of the Competition and Consumer Act 2010 (Cth) to Maitland Mutual Limited (trading as The Mutual Bank), delaying its product reference data obligations until 31 December 2020.
On 25 September 2020 the Australian Competition and Consumer Commission (ACCC) granted an exemption under section 56GD of the Competition and Consumer Act 2010 (Cth) to MCU Limited (trading as Maleny Credit Union) (MCU), delaying its product reference data obligations until 30 June 2021.
On 25 September 2020 the Australian Competition and Consumer Commission (ACCC) granted an exemption under section 56GD of the Competition and Consumer Act 2010 (Cth) to Orange Credit Union Limited (OCU), delaying its product reference data obligations until 31 December 2020.
On 25 September 2020 the Australian Competition and Consumer Commission (ACCC) granted an exemption under section 56GD of the Competition and Consumer Act 2010 (Cth) to Unity Bank Limited (Unity Bank), delaying its product reference data obligations until 31 December 2020.
On 10 September 2020 the Australian Competition and Consumer Commission (ACCC) granted an exemption under section 56GD of the Competition and Consumer Act 2010 (Cth) to Lysaght Credit Union (LCU), delaying its product reference data obligations until 1 July 2021.
On 13 August 2020 the Australian Competition and Consumer Commission (ACCC) granted exemptions under s56GD of the Competition and Consumer Act 2010 (Cth) to each initial data holder, deferring the scheduled commenced date for implementation of the Pushed Authorisation Request (PAR) component in the Data Standards until 1 February 2021.
On 18 June 2020 the Australian Competition and Consumer Commission (ACCC) granted an exemption under section 56GD of the Competition and Consumer Act 2010 (Cth) to IMB Ltd. The exemption defers the scheduled commencement date of product reference data obligations to 1 July 2021, in relation to products offered by IMB's Hunter United brand.
On 4 June 2020 the Australian Competition and Consumer Commission (ACCC) granted exemptions under section 56GD of the Competition and Consumer Act 2010 (Cth) to each initial data holder, deferring the scheduled commencement date of their direct-to-consumer obligations, until 1 November 2021.
On 4 June 2020 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 in relation to reciprocal data holder obligations (being an accredited authorised deposit-taking institution).
On 4 June 2020 the Australian Competition and Consumer Commission (ACCC) granted exemptions under section 56GD of the Competition and Consumer Act 2010 (Cth) to each of the authorised deposit-taking institutions (ADIs) listed in Appendix A, delaying the scheduled commencement dates of their consumer data sharing obligations and direct-to-consumer obligations.
Delay to product reference data obligations due to impacts of COVID-19