28RBModifications of certain provisions for parts of the banking sector

#### 28RB Modifications of certain provisions for parts of the banking sector For the purposes of paragraph 56GE(2)(c) (modifications) of the Act, this regulation declares that the provisions of the Competition and Consumer (Consumer Data Right) Rules 2020 apply in relation to: (a) the classes of data holders referred to in subclause 6.6(1) of Schedule 3 to those Rules; and (b) the classes of CDR data referred to in that subclause; as if that subclause were modified by replacing the commencement table in that subclause with the following: ```html <table cellspacing="0" cellpadding="0" style="width:100%; border-collapse:collapse"><thead><tr><td style="width:12.36%; border-top:2.25pt solid #000000; border-bottom:2.25pt solid #000000; padding-right:2.85pt; padding-left:2.85pt"><p class="TableHeading" style="text-align:center"><span>Data holder</span></p></td><td style="width:12.3%; border-top:2.25pt solid #000000; border-bottom:2.25pt solid #000000; padding-right:2.85pt; padding-left:2.85pt"><p class="TableHeading" style="text-align:center"><span>Data sharing obligations</span></p></td><td style="width:11.02%; border-top:2.25pt solid #000000; border-bottom:2.25pt solid #000000; padding-right:2.85pt; padding-left:2.85pt; background-color:#d9d9d9"><p class="TableHeading" style="text-align:center"><span>Start date</span><br><span>to</span><br><span>31 Jan 2021</span></p></td><td style="width:11.02%; border-top:2.25pt solid #000000; border-bottom:2.25pt solid #000000; padding-right:2.85pt; padding-left:2.85pt"><p class="TableHeading" style="text-align:center"><span>1 Feb 2021</span><br><span>to</span><br><span>28 Feb 2021</span></p></td><td style="width:11.02%; border-top:2.25pt solid #000000; border-bottom:2.25pt solid #000000; padding-right:2.85pt; padding-left:2.85pt; background-color:#d9d9d9"><p class="TableHeading" style="text-align:center"><span>1 Mar 2021</span><br><span>to</span><br><span>30 Jun 2021</span></p></td><td style="width:11.48%; border-top:2.25pt solid #000000; border-bottom:2.25pt solid #000000; padding-right:2.85pt; padding-left:2.85pt"><p class="TableHeading" style="text-align:center"><span>1 Jul 2021</span><br><span>to</span><br><span>31 Oct 2021</span></p></td><td style="width:10.76%; border-top:2.25pt solid #000000; border-bottom:2.25pt solid #000000; padding-right:2.85pt; padding-left:2.85pt; background-color:#d9d9d9"><p class="TableHeading" style="text-align:center"><span>1 Nov 2021</span><br><span>to</span><br><span>31 Jan 2022</span></p></td><td style="width:10.78%; border-top:2.25pt solid #000000; border-bottom:2.25pt solid #000000; padding-right:2.85pt; padding-left:2.85pt"><p class="TableHeading" style="text-align:center"><span>1 Feb 2022</span><br><span>to</span><br><span>30 Sept</span><br><span>2022</span></p></td><td style="width:9.22%; border-top:2.25pt solid #000000; border-bottom:2.25pt solid #000000; padding-right:2.85pt; padding-left:2.85pt; vertical-align:top"><p class="TableHeading" style="text-align:center"><span></span></p><p class="TableHeading" style="text-align:center"><span>1 Oct 2022</span><br><span>onward</span></p></td></tr></thead><tbody><tr><td rowspan="3" style="width:12.36%; border-top:2.25pt solid #000000; border-bottom:1.5pt solid #000000; padding-right:2.85pt; padding-left:2.85pt"><p class="Tabletext"><span>Initial data holders (NAB, CBA, ANZ, Westpac branded products)</span></p></td><td style="width:12.3%; border-top:2.25pt solid #000000; border-bottom:0.75pt solid #000000; padding-right:2.85pt; padding-left:2.85pt"><p class="Tabletext"><span>Part</span><span> </span><span>2</span></p></td><td style="width:11.02%; border-top:2.25pt solid #000000; border-bottom:0.75pt solid #000000; padding-right:2.85pt; padding-left:2.85pt; vertical-align:top; background-color:#d9d9d9"><p class="Tabletext"><span>All product phases</span></p></td><td style="width:11.02%; border-top:2.25pt solid #000000; border-bottom:0.75pt solid #000000; padding-right:2.85pt; padding-left:2.85pt; vertical-align:top"><p class="Tabletext"><span>All product phases</span></p></td><td style="width:11.02%; border-top:2.25pt solid #000000; border-bottom:0.75pt solid #000000; padding-right:2.85pt; padding-left:2.85pt; vertical-align:top; background-color:#d9d9d9"><p class="Tabletext"><span>All product phases</span></p></td><td style="width:11.48%; border-top:2.25pt solid #000000; border-bottom:0.75pt solid #000000; padding-right:2.85pt; padding-left:2.85pt; vertical-align:top"><p class="Tabletext"><span>All product phases</span></p></td><td style="width:10.76%; border-top:2.25pt solid #000000; border-bottom:0.75pt solid #000000; padding-right:2.85pt; padding-left:2.85pt; vertical-align:top; background-color:#d9d9d9"><p class="Tabletext"><span>All product phases</span></p></td><td style="width:10.78%; border-top:2.25pt solid #000000; border-bottom:0.75pt solid #000000; padding-right:2.85pt; padding-left:2.85pt; vertical-align:top"><p class="Tabletext"><span>All product phases</span></p></td><td style="width:9.22%; border-top:2.25pt solid #000000; border-bottom:0.75pt solid #000000; padding-right:2.85pt; padding-left:2.85pt; vertical-align:top"><p class="Tabletext"><span>All product phases</span></p></td></tr><tr><td style="width:12.3%; border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; padding-right:2.85pt; padding-left:2.85pt"><p class="Tabletext"><span>Part</span><span> </span><span>3</span></p></td><td style="width:11.02%; border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; padding-right:2.85pt; padding-left:2.85pt; background-color:#d9d9d9"><p class="Tabletext"><span>‑</span></p></td><td style="width:11.02%; border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; padding-right:2.85pt; padding-left:2.85pt"><p class="Tabletext"><span>‑</span></p></td><td style="width:11.02%; border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; padding-right:2.85pt; padding-left:2.85pt; background-color:#d9d9d9"><p class="Tabletext"><span>‑</span></p></td><td style="width:11.48%; border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; padding-right:2.85pt; padding-left:2.85pt"><p class="Tabletext"><span>‑</span></p></td><td style="width:10.76%; border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; padding-right:2.85pt; padding-left:2.85pt; background-color:#d9d9d9"><p class="Tabletext"><span>‑</span></p></td><td style="width:10.78%; border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; padding-right:2.85pt; padding-left:2.85pt"><p class="Tabletext"><span>‑</span></p></td><td style="width:9.22%; border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; padding-right:2.85pt; padding-left:2.85pt"><p class="Tabletext"><span>‑</span></p></td></tr><tr><td style="width:12.3%; border-top:0.75pt solid #000000; border-bottom:1.5pt solid #000000; padding-right:2.85pt; padding-left:2.85pt"><p class="Tabletext"><span>Part</span><span> </span><span>4</span></p></td><td style="width:11.02%; border-top:0.75pt solid #000000; border-bottom:1.5pt solid #000000; padding-right:2.85pt; padding-left:2.85pt; vertical-align:top; background-color:#d9d9d9"><p class="Tabletext"><span>Phase 1</span><br><span>Phase 2</span></p></td><td style="width:11.02%; border-top:0.75pt solid #000000; border-bottom:1.5pt solid #000000; padding-right:2.85pt; padding-left:2.85pt; vertical-align:top"><p class="Tabletext"><span>All product phases</span></p></td><td style="width:11.02%; border-top:0.75pt solid #000000; border-bottom:1.5pt solid #000000; padding-right:2.85pt; padding-left:2.85pt; vertical-align:top; background-color:#d9d9d9"><p class="Tabletext"><span>All product phases</span></p></td><td style="width:11.48%; border-top:0.75pt solid #000000; border-bottom:1.5pt solid #000000; padding-right:2.85pt; padding-left:2.85pt; vertical-align:top"><p class="Tabletext"><span>All product phases</span></p></td><td style="width:10.76%; border-top:0.75pt solid #000000; border-bottom:1.5pt solid #000000; padding-right:2.85pt; padding-left:2.85pt; vertical-align:top; background-color:#d9d9d9"><p class="Tabletext"><span>All product phases</span></p></td><td style="width:10.78%; border-top:0.75pt solid #000000; border-bottom:1.5pt solid #000000; padding-right:2.85pt; padding-left:2.85pt; vertical-align:top"><p class="Tabletext"><span>All product phases</span></p></td><td style="width:9.22%; border-top:0.75pt solid #000000; border-bottom:1.5pt solid #000000; padding-right:2.85pt; padding-left:2.85pt; vertical-align:top"><p class="Tabletext"><span>All product phases</span></p></td></tr><tr><td rowspan="3" style="width:12.36%; border-top:1.5pt solid #000000; border-bottom:1.5pt solid #000000; padding-right:2.85pt; padding-left:2.85pt"><p class="Tabletext"><span>Any other relevant ADI and initial data holders for non</span><span>‑</span><span>primary brands</span></p></td><td style="width:12.3%; border-top:1.5pt solid #000000; border-bottom:0.75pt solid #000000; padding-right:2.85pt; padding-left:2.85pt"><p class="Tabletext"><span>Part</span><span> </span><span>2</span></p></td><td style="width:11.02%; border-top:1.5pt solid #000000; border-bottom:0.75pt solid #000000; padding-right:2.85pt; padding-left:2.85pt; vertical-align:top; background-color:#d9d9d9"><p class="Tabletext"><span>Phase 1</span></p></td><td style="width:11.02%; border-top:1.5pt solid #000000; border-bottom:0.75pt solid #000000; padding-right:2.85pt; padding-left:2.85pt; vertical-align:top"><p class="Tabletext"><span>Phase 1</span><br><span>Phase 2</span></p></td><td style="width:11.02%; border-top:1.5pt solid #000000; border-bottom:0.75pt solid #000000; padding-right:2.85pt; padding-left:2.85pt; vertical-align:top; background-color:#d9d9d9"><p class="Tabletext"><span>Phase 1</span><br><span>Phase 2</span></p></td><td style="width:11.48%; border-top:1.5pt solid #000000; border-bottom:0.75pt solid #000000; padding-right:2.85pt; padding-left:2.85pt; vertical-align:top"><p class="Tabletext"><span>All product phases</span></p></td><td style="width:10.76%; border-top:1.5pt solid #000000; border-bottom:0.75pt solid #000000; padding-right:2.85pt; padding-left:2.85pt; vertical-align:top; background-color:#d9d9d9"><p class="Tabletext"><span>All product phases</span></p></td><td style="width:10.78%; border-top:1.5pt solid #000000; border-bottom:0.75pt solid #000000; padding-right:2.85pt; padding-left:2.85pt; vertical-align:top"><p class="Tabletext"><span>All product phases</span></p></td><td style="width:9.22%; border-top:1.5pt solid #000000; border-bottom:0.75pt solid #000000; padding-right:2.85pt; padding-left:2.85pt; vertical-align:top"><p class="Tabletext"><span>All product phases</span></p></td></tr><tr><td style="width:12.3%; border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; padding-right:2.85pt; padding-left:2.85pt"><p class="Tabletext"><span>Part</span><span> </span><span>3</span></p></td><td style="width:11.02%; border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; padding-right:2.85pt; padding-left:2.85pt; background-color:#d9d9d9"><p class="Tabletext"><span>‑</span></p></td><td style="width:11.02%; border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; padding-right:2.85pt; padding-left:2.85pt"><p class="Tabletext"><span>‑</span></p></td><td style="width:11.02%; border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; padding-right:2.85pt; padding-left:2.85pt; background-color:#d9d9d9"><p class="Tabletext"><span>‑</span></p></td><td style="width:11.48%; border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; padding-right:2.85pt; padding-left:2.85pt"><p class="Tabletext"><span>‑</span></p></td><td style="width:10.76%; border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; padding-right:2.85pt; padding-left:2.85pt; background-color:#d9d9d9"><p class="Tabletext"><span>‑</span></p></td><td style="width:10.78%; border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; padding-right:2.85pt; padding-left:2.85pt"><p class="Tabletext"><span>‑</span></p></td><td style="width:9.22%; border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; padding-right:2.85pt; padding-left:2.85pt"><p class="Tabletext"><span>‑</span></p></td></tr><tr><td style="width:12.3%; border-top:0.75pt solid #000000; border-bottom:1.5pt solid #000000; padding-right:2.85pt; padding-left:2.85pt"><p class="Tabletext"><span>Part</span><span> </span><span>4</span></p></td><td style="width:11.02%; border-top:0.75pt solid #000000; border-bottom:1.5pt solid #000000; padding-right:2.85pt; padding-left:2.85pt; background-color:#d9d9d9"><p class="Tabletext"><span>‑</span></p></td><td style="width:11.02%; border-top:0.75pt solid #000000; border-bottom:1.5pt solid #000000; padding-right:2.85pt; padding-left:2.85pt"><p class="Tabletext"><span>‑</span></p></td><td style="width:11.02%; border-top:0.75pt solid #000000; border-bottom:1.5pt solid #000000; padding-right:2.85pt; padding-left:2.85pt; background-color:#d9d9d9"><p class="Tabletext"><span>‑</span></p></td><td style="width:11.48%; border-top:0.75pt solid #000000; border-bottom:1.5pt solid #000000; padding-right:2.85pt; padding-left:2.85pt; vertical-align:top"><p class="Tabletext"><span>Phase 1 JAE</span></p><p class="Tabletext"><span>CODE</span></p></td><td style="width:10.76%; border-top:0.75pt solid #000000; border-bottom:1.5pt solid #000000; padding-right:2.85pt; padding-left:2.85pt; vertical-align:top; background-color:#d9d9d9"><p class="Tabletext"><span>Phase 1</span><br><span>Phase 2</span><br><span>JAE</span></p></td><td style="width:10.78%; border-top:0.75pt solid #000000; border-bottom:1.5pt solid #000000; padding-right:2.85pt; padding-left:2.85pt; vertical-align:top"><p class="Tabletext"><span>All product phases</span><br><span>JAE</span></p></td><td style="width:9.22%; border-top:0.75pt solid #000000; border-bottom:1.5pt solid #000000; padding-right:2.85pt; padding-left:2.85pt; vertical-align:top"><p class="Tabletext"><span>All product phases</span></p></td></tr><tr><td rowspan="3" style="width:12.36%; border-top:1.5pt solid #000000; border-bottom:1.5pt solid #000000; padding-right:2.85pt; padding-left:2.85pt"><p class="Tabletext"><span>Accredited ADI and accredited non</span><span>‑</span><span>ADI (reciprocal data holder)</span></p></td><td style="width:12.3%; border-top:1.5pt solid #000000; border-bottom:0.75pt solid #000000; padding-right:2.85pt; padding-left:2.85pt"><p class="Tabletext"><span>Part</span><span> </span><span>2</span></p></td><td style="width:11.02%; border-top:1.5pt solid #000000; border-bottom:0.75pt solid #000000; padding-right:2.85pt; padding-left:2.85pt; vertical-align:top; background-color:#d9d9d9"><p class="Tabletext"><span>All product phases</span></p></td><td style="width:11.02%; border-top:1.5pt solid #000000; border-bottom:0.75pt solid #000000; padding-right:2.85pt; padding-left:2.85pt; vertical-align:top"><p class="Tabletext"><span>All product phases</span></p></td><td style="width:11.02%; border-top:1.5pt solid #000000; border-bottom:0.75pt solid #000000; padding-right:2.85pt; padding-left:2.85pt; vertical-align:top; background-color:#d9d9d9"><p class="Tabletext"><span>All product phases</span></p></td><td style="width:11.48%; border-top:1.5pt solid #000000; border-bottom:0.75pt solid #000000; padding-right:2.85pt; padding-left:2.85pt; vertical-align:top"><p class="Tabletext"><span>All product phases</span></p></td><td style="width:10.76%; border-top:1.5pt solid #000000; border-bottom:0.75pt solid #000000; padding-right:2.85pt; padding-left:2.85pt; vertical-align:top; background-color:#d9d9d9"><p class="Tabletext"><span>All product phases</span></p></td><td style="width:10.78%; border-top:1.5pt solid #000000; border-bottom:0.75pt solid #000000; padding-right:2.85pt; padding-left:2.85pt; vertical-align:top"><p class="Tabletext"><span>All product phases</span></p></td><td style="width:9.22%; border-top:1.5pt solid #000000; border-bottom:0.75pt solid #000000; padding-right:2.85pt; padding-left:2.85pt; vertical-align:top"><p class="Tabletext"><span>All product phases</span></p></td></tr><tr><td style="width:12.3%; border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; padding-right:2.85pt; padding-left:2.85pt"><p class="Tabletext"><span>Part</span><span> </span><span>3</span></p></td><td style="width:11.02%; border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; padding-right:2.85pt; padding-left:2.85pt; background-color:#d9d9d9"><p class="Tabletext"><span>‑</span></p></td><td style="width:11.02%; border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; padding-right:2.85pt; padding-left:2.85pt"><p class="Tabletext"><span>‑</span></p></td><td style="width:11.02%; border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; padding-right:2.85pt; padding-left:2.85pt; background-color:#d9d9d9"><p class="Tabletext"><span>‑</span></p></td><td style="width:11.48%; border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; padding-right:2.85pt; padding-left:2.85pt"><p class="Tabletext"><span>‑</span></p></td><td style="width:10.76%; border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; padding-right:2.85pt; padding-left:2.85pt; background-color:#d9d9d9"><p class="Tabletext"><span>‑</span></p></td><td style="width:10.78%; border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; padding-right:2.85pt; padding-left:2.85pt"><p class="Tabletext"><span>‑</span></p></td><td style="width:9.22%; border-top:0.75pt solid #000000; border-bottom:0.75pt solid #000000; padding-right:2.85pt; padding-left:2.85pt"><p class="Tabletext"><span>‑</span></p></td></tr><tr><td style="width:12.3%; border-top:0.75pt solid #000000; border-bottom:1.5pt solid #000000; padding-right:2.85pt; padding-left:2.85pt"><p class="Tabletext"><span>Part</span><span> </span><span>4</span></p></td><td style="width:11.02%; border-top:0.75pt solid #000000; border-bottom:1.5pt solid #000000; padding-right:2.85pt; padding-left:2.85pt; background-color:#d9d9d9"><p class="Tabletext"><span>‑</span></p></td><td style="width:11.02%; border-top:0.75pt solid #000000; border-bottom:1.5pt solid #000000; padding-right:2.85pt; padding-left:2.85pt"><p class="Tabletext"><span>‑</span></p></td><td style="width:11.02%; border-top:0.75pt solid #000000; border-bottom:1.5pt solid #000000; padding-right:2.85pt; padding-left:2.85pt; vertical-align:top; background-color:#d9d9d9"><p class="Tabletext"><span>Phase 1 JAE</span></p><p class="Tabletext"><span>CODE</span></p></td><td style="width:11.48%; border-top:0.75pt solid #000000; border-bottom:1.5pt solid #000000; padding-right:2.85pt; padding-left:2.85pt; vertical-align:top"><p class="Tabletext"><span>All product phases</span><br><span>JAE</span></p></td><td style="width:10.76%; border-top:0.75pt solid #000000; border-bottom:1.5pt solid #000000; padding-right:2.85pt; padding-left:2.85pt; vertical-align:top; background-color:#d9d9d9"><p class="Tabletext"><span>All product phases</span><br><span>JAE</span></p></td><td style="width:10.78%; border-top:0.75pt solid #000000; border-bottom:1.5pt solid #000000; padding-right:2.85pt; padding-left:2.85pt; vertical-align:top"><p class="Tabletext"><span>All product phases</span><br><span>JAE</span></p></td><td style="width:9.22%; border-top:0.75pt solid #000000; border-bottom:1.5pt solid #000000; padding-right:2.85pt; padding-left:2.85pt; vertical-align:top"><p class="Tabletext"><span>All product phases</span></p></td></tr></tbody></table> ```