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ConsumerDataStandardsAustralia / standards-maintenance

This repository houses the interactions, consultations and work management to support the maintenance of baselined components of the Consumer Data Right API Standards and Information Security profile.
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Maintenance backlog summary - Banking sector #580

Open nils-work opened 1 year ago

nils-work commented 1 year ago

To provide an overview of key issues from the Banking-sector maintenance backlog, combined with relevant Future-plan items, this issue consolidates the items with a brief summary of each.

The intention is to support discussion of possible approaches to prioritising, and working through the delivery of any agreed items. This list may not include items that are not sector-specific, including; infosec, error handling, CX, NFRs, or shared schema issues.

Issues are grouped by primary endpoint affected and ordered by issue number. Theme icons indicate issues that appear to be closely related. ⭐ indicates the issue is a candidate in the current Maintenance Iteration.

Get Product Detail

Issue Theme Group
BankingProductLendingRate - move properties Rate & ComparisonRate to RateTier #184 Restructure rate and tier details
Product Reference Data - revert rates for fixed rate mortgages are absent #284 Addition of 'revert' rate details. Also refer to #567. 🏠 Mortgage rates, DP306
Product Ref Data - leeway within standards makes fee comparison difficult #285 Addition of structured Fee data 💲 Fees, DP306
Credit card loyalty program data: significant gaps and lack of structure #291 Addition of structures to support card program detail 💳 Cards
PRD - Constraint types #387 Addition of OTHER Product constraint type ● Constraint enum, DP306
Use of additionalValue field for ADDITIONAL_CARDS #390 Clarify the expectation of a null value in a mandatory field 💳 Cards
Transaction Limits in Product Reference Data #408 Clarification of existing constraints and addition of a new enum to specify transaction limit constraint ● Constraint enum, DP306
Add structured fields for rate applicability #588 Structured fields for rate eligibility/applicability Rates, DP306

Get Accounts

Issue Theme Group
Flag for account(s) not shared #584 Ability to either request all available accounts, or determine whether some accounts were not shared Use case/special purpose

Get Account Detail

Issue Theme Group
Credit card balance plans and payment hierarchy: inadequate information within the CDS #292 Additional structure for card plans or sub-accounts within an account 💳 Cards (and sub-accounts?), DP306
Update description of features[].isActivated to remove default #316 Adjust the isActivated feature boolean to convey true, false and indeterminate DP306
Additional credit card fields #471 Support card detail associated with an account 💳 Cards, DP306
Define new Loan Repayment Type to relevant schemas #531 Additional loan repaymentType option, or clarity around suitability of fees for a loan without an interest rate 💲 Fees, DP306
BankingProductLendingRateV2 - Lending Rates – FIXED/INTEREST_ONLY period end date cannot be determined #567 Addition of rate start and end dates 🏠 Mortgage rates, DP306
Home Loan Revert rate and product is not available #569 Addition of 'revert' rate details 🏠 Mortgage rates, DP306

Get Account Balances

Issue Theme Group
Travel Money Card Balance #357 Change mandatory balance fields to conditional
Running balance available under transaction detail #553 Addition of fields to provide running balance with transactions, or ability to query for account balance at a point in time

Get Transactions for Account

Issue Theme Group
Behaviour where posted transactions only have an associated date. #173 Clarification of timezone handling for filtering transactions based on a postingDateTime without the time component
Update Query Parameter Transaction #176 Review usage of isQueryParamUnsupported and consider error response instead. Also refer to #469. 🔎 Text filtering
Add isQueryParamUnsupported to MetaPaginated for schema validation #469 Add the isQueryParamUnsupported field in the relevant schema to support schema validation 🔎 Text filtering
Ability to identify pre-authorisation transactions #579 Ability to distinguish pre-authorisation transactions from others, without relying on PENDING and POSTED status

Get Transaction Detail

Issue Theme Group
Service field in the Get Transaction Details API #229 Extend support for newer NPP codes (X2P1.02+) and other types (SCT) in the Transaction Detail structure ⏱ Previously marked as urgent

Get Scheduled Payments

Issue Theme Group
Define new toUType value to relevant schemas #536 Addition of digitalWalletPayee structure to allow scheduled payments to specify this type of payment destination

Future-plan items

Issue Theme Group
Design and Distribution Obligations #39 PRD and Account Detail changes to support DDO/TMD details
Non-Bank Lending Standards #78 Potential impact to the Banking sector
Bulk Account Detail API #89 New endpoint to retrieve certain account details with fewer requests

Documentation

Issue Theme Group
Clarify Base and Adjustment Rate Types #585 Clarify the expected use of base and adjustment rates (DISCOUNT, INTRODUCTORY, etc.) Rates, DP306
AusBanking-Christos commented 1 year ago

The ABA thanks the DSB for bringing to our attention this Maintenance Backlog Summary and how any of these outstanding issues, may shape https://github.com/ConsumerDataStandardsAustralia/standards/issues/306 while it remains in placeholder status.

We look forward to discussing with the DSB how and which specific issues can be best prioritised for DP 306, taking into account a pragmatic approach to prioritisation, given the extensive list of issues in this Maintenance backlog summary.

The ABA looks forward to collaborating with the DSB and providing support in this process.

Kindest Regards, Australian Banking Association

nils-work commented 1 year ago

The tables in the opening comment have been updated with the following changes -

Another view of these tables is available in the Standards Maintenance Project board. Some items that require clarification or relate to multiple endpoints may appear under 'No Banking API affected'.

nils-work commented 1 year ago
nils-work commented 1 year ago