Maintenance backlog summary - Banking sector

[nils-work]

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]

The ABA thanks the DSB for bringing to our attention this Maintenance Backlog Summary and how any of these outstanding issues, may shape ConsumerDataStandardsAustralia/standards#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]

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

• issue 184 marked with strikethrough due to it now being closed,
• marked issues 567 and 569 as they will now be consulted on as part of DP306,
• added 'DP306' to the Group column for other items referenced in that DP.

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]

• Marked issues 536, 585 with strikethrough as they were incorporated into Standards v1.25.0
• Removed stars indicating issues in the last Maintenance Iteration.

[nils-work]

• Marked issue 584 as closed as it has been converted into a future Decision Proposal - issue 130.