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 7 October 2021, the Australian Competition and Consumer Commission (ACCC) granted an exemption under section 56GD of the Competition and Consumer Act 2010 (Cth), to Judo Bank Pty Ltd (Judo Bank) deferring its phase 2 and phase 3 consumer data sharing obligations until 1 March 2023.
On 23 September 2021, the Australian Competition and Consumer Commission (ACCC) granted an exemption under section 56GD of the Competition and Consumer Act 2010 (Cth) (the Act), to Beyond Bank Australia Ltd (Beyond Bank) deferring its reciprocal data sharing obligations for phase 2 products until 1 November 2021 and phase 3 products until 1 February 2022.
On 9 September 2021, 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 Ltd (Beyond Bank) deferring the commencement of its consumer data sharing obligations in relation to former customers of EECU Ltd (trading as Nexus Mutual) until 9 September 2022.
On 12 August 2021, the Australian Competition and Consumer Commission (ACCC) granted an exemption under section 56GD of the Competition and Consumer Act 2010 (Cth) to Westpac Banking Corporation from its obligations to share consumer data in relation to the Bank SA 904 loan products issued by Westpac Banking Corporation under its BankSA brand.
On 1 July 2021, the Australian Competition and Consumer Commission (ACCC) granted an exemption under section 56GD of the Competition and Consumer Act 2010 (Cth) to Cuscal Limited (Cuscal) deferring the commencement dates of its phase 1 and phase 2 consumer data sharing obligations, and its direct-to-consumer obligations, until 1 February 2022.
On 24 June 2021, the Australian Competition and Consumer Commission (ACCC) granted an exemption under section 56GD of the Competition and Consumer Act 2010 (Cth) to Members Equity Bank Limited (ME Bank) deferring the commencement dates of its phase 1, phase 2 and direct-to-consumer data sharing obligations until 1 July 2022.
On 24 June 2021, 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 deferring the commencement dates of its Phase 1 and 2 consumer data sharing obligations (all phases) and its direct-to-consumer obligations, for all products, until 1 January 2022.
On 10 June 2021, the Australian Competition and Consumer Commission (ACCC) granted an exemption under section 56GD of the Competition and Consumer Act 2010 (Cth) to AMP Bank Ltd deferring the commencement dates of its consumer data sharing obligations (all phases) and its direct-to-consumer obligations, for products held by a sole individual as trustee for a trust, until 1 November 2022.
On 10 June 2021, the Australian Competition and Consumer Commission (ACCC) granted an exemption under section 56GD of the Competition and Consumer Act 2010 (Cth) to G&C Mutual Bank Limited delaying the commencement date of its consumer data sharing, and direct-to-consumer, obligations until 31 December 2021.
On 10 June 2021, the Australian Competition and Consumer Commission (ACCC) granted an exemption under section 56GD of the Competition and Consumer Act 2010 (Cth) to Traditional Credit Union Limited delaying the commencement date of its consumer data sharing obligations until 30 June 2023.
On 10 June 2021, 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 delaying the commencement date of its consumer data sharing and direct‑to‑consumer obligations, for all products, until 31 March 2022.
On 3 June 2021, 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 delaying the commencement date of its phase 1, 2 and 3 consumer data sharing obligations and its direct-to-consumer obligations until 1 May 2022.
On 20 May 2021, the Australian Competition and Consumer Commission (ACCC) granted an exemption under section 56GD of the Competition and Consumer Act 2010 (Cth) to Credit Union Australia Limited delaying the commencement date of its consumer data sharing obligations. for all products, until 1 November 2021.
On 20 May 2021, the Australian Competition and Consumer Commission (ACCC) granted an exemption under section 56GD of the Competition and Consumer Act 2010 (Cth), permanently exempting Westpac Banking Corporation (Westpac) from its obligation to share consumer data from Select Term Deposit and Select Cash Management Accounts that were offered through DDH Graham.
On 6 May 2021, the Australian Competition and Consumer Commission (ACCC) granted an exemption under section 56GD of the Competition and Consumer Act 2010 (Cth) to Police Bank Ltd delaying the commencement date of its consumer data sharing obligations and direct-to-consumer obligations, for all products, until 1 July 2022.
On 22 April 2021, the Australian Competition and Consumer Commission (ACCC) granted an exemption under section 56GD of the Competition and Consumer Act 2010 (Cth) to Pulse Credit Union Limited (Pulse), deferring the commencement date of its Phase 1 consumer data sharing obligations until 1 December 2021.