3.1Simplified outline of this Part

3.1 Simplified outline of this Part

This Part deals with consumer data requests that are made directly by eligible CDR consumers to data holders. Such requests are made using the data holder’s direct request service.

A request may be for the CDR consumer’s required consumer data, their voluntary consumer data, or both.

When validly requested in accordance with this Part, a data holder:

• must, subject to an exception outlined in this Part, disclose required consumer data; and

• may, but is not required to, disclose voluntary consumer data.

In either case, the data is disclosed to the CDR consumer who made the request, in human-readable form and in accordance with the data standards.

Special rules apply to joint accounts with 2 or more individual joint account holders. These are set out in Part 4A.

A fee cannot be charged for the disclosure of required consumer data, but could be charged for the disclosure of voluntary consumer data.