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 16 September 2025, 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 in respect of its enhanced Income Management accounts until 30 June 2027.
On 8 July 2025, the Australian Competition and Consumer Commission (ACCC) granted an exemption under section 56GD of the Competition and Consumer Act 2010 (Cth) to Shift Financial Pty Ltd and Shift Finance Australia Pty Ltd, deferring each entity’s product data sharing obligations until 13 July 2028 and each entity’s consumer data sharing obligations until 10 May 2029.
On 10 June 2025, the Australian Competition and Consumer Commission (ACCC) granted an exemption under section 56GD of the Competition and Consumer Act 2010 (Cth) to Square AU Pty Ltd deferring its consumer data sharing and product data sharing obligations in respect of its Square Loans product and Square Hardware Instalments product until 10 June 2030.
On 6 June 2025, the Australian Competition and Consumer Commission (ACCC) granted a permanent exemption under section 56GD of the Competition and Consumer Act 2010 (Cth) to Avenue Bank for product data and consumer data sharing obligations for the term deposit aspect of its bank guarantee product.
On 27 May 2025, the Australian Competition and Consumer Commission (ACCC) granted a permanent exemption under section 56GD of the Competition and Consumer Act 2010 (Cth) to Commonwealth Bank of Australia from any product reference data and consumer data sharing obligations under the Competition and Consumer (Consumer Data Right) Rules 2020 (CDR Rules) that will arise from CBA products that will be offered and/or provided to retail and business customers in Nauru.
On 4 March 2025, the Australian Competition and Consumer Commission (ACCC) granted an exemption under section 56GD of the Competition and Consumer Act 2010 (Cth) (the Act) to Amber Electric Pty Ltd deferring its consumer data sharing obligations until 31 May 2025.
On 4 February 2025, 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 from its consumer data sharing obligations until 9 May 2031, for certain accounts held by former AWA Alliance Bank brand customers in respect of transaction data prior to 9 May 2024.
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) (the Act) to Traditional Credit Union Limited deferring its consumer data sharing obligations until 31 December 2026.
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.