Document ID: chunk:federal_register_of_legislation:F2024C01258:clause:3_5:p1
Version: federal_register_of_legislation:F2024C01258
Segment Type: clause
Provision Reference: sch 3 cl 5 (pt 1/5)
Character Range: 406765–409834

5                                                                                              accredited non‑ADI, in relation to the CDR data mentioned in paragraph (a) of column 2  An accredited person that:
                                                                                                                                                                                       (a) has been a data holder of CDR data, as a result of subsection 56AJ(3) of the Act, for at least 12 months; and
                                                                                                                                                                                       (b) is not an ADI.

Division 6.2—Staged application of rules

6.4  Staged application of rules―requirement to disclose CDR data
 (1) This clause applies if:
 (a) a product data request or a consumer data request is made to a data holder of a kind referred to in column 1 of the commencement table; and
 (b) the request is made under a Part of these rules referred to in column 2 of the commencement table; and
 (c) the request is made after the commencement of these rules and during a period referred to in any of the other columns of the commencement table.
 (2) Despite subclause 3.1A(1) of this Schedule, for the request, Part 3 of this Schedule applies in relation to the kinds of product referred to in the relevant cell of the commencement table.
 (3) Where a table cell includes the term JAE (for "joint accounts excepted"), despite these rules, the data holder is not required to disclose required consumer data about a product that relates to joint accounts.
 (4) Where a table cell includes the term CODE (for "certain other data excepted"), despite these rules, the data holder is not required to disclose required consumer data about a phase 1 product that:
 (a) relates to any of the following:
 (i) closed accounts;
 (ii) direct debits;
 (iii) scheduled payments;
 (iv) payees; or
 (b) is "get account detail" or "get customer detail" data within the meaning of the data standards.

6.5  Authorisation to disclose CDR data before required to do so
 (1) This clause applies if:
 (a) a request for disclosure of CDR data has been made in accordance with Part 2, Part 3 or Part 4 of these rules (the relevant data request Part); and
 (b) the requested CDR data is any of the following:
 (i) required product data;
 (ii) voluntary product data;
 (iii) required consumer data;
 (iv) voluntary consumer data; and
 (c) the requested CDR data includes some pre‑application CDR data.
 (2) For these rules, the data holder may disclose any or all of the pre‑application CDR data in response to the request in accordance with the relevant data request Part.
 (3) In this clause, pre‑application CDR data means CDR data that, but for the operation of this Part, the data holder would be required or authorised by the relevant data request Part to disclose in response to the request.

6.6  Commencement table
Note: The table set out in sub‑clause (1) below does not actually