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Merge pull request #331 from ConsumerDataStandardsAustralia/defect/330
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Retain Version Delta for Additional Standards
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JamesMBligh authored Dec 20, 2023
2 parents 3a6a594 + 7161065 commit 0e56710
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Expand Up @@ -9,4 +9,68 @@ This specification defines the APIs for Data Holders exposing Banking endpoints.
<tr><td><a href='../../../../includes/swagger/cds_banking_dp306.yaml'>Banking OpenAPI Specification (YAML)</a></td></tr>
</table>

```diff
Additional note for v1.29.0: In this version, the delta statements from v1.28.0 have been retained in v1.29.0 as this Candidate remains under consultation. The affected delta statements will be noted as being associated with v1.28.0
```

```diff
**v1.28.0 Change**

Changed the `cardArt` array to a `cardOption` object to provide additional card details in 'Get Products', 'Get Product Detail' and 'Get Account Detail'.

Added the `FEE` `lendingRateType` value to support lending products that have a fee-based rather than rate-based cost. This type may be expected to align to the new `PRINCIPAL_AND_FEE` `repaymentType`.

Added the `BALANCE_TRANSFER` `lendingRateType` value to extend support for credit card plan detail.

Updated the `creditCard` schema in 'Get Account Detail' to allow an array of plan types, each with specific rates, repayments, adjustments and features.

Added `revertRate`, `revertProductId`, `rateStartDate` and `rateEndDate` fields to respective lending rate schemas to support 'revert' rate details.

Added `referenceRate` to multiple lending and deposit rate schemas.

Added `adjustmentToBase` and `adjustmentBundle` fields to the 'BankingProductLendingRate' and 'BankingProductDepositRate' schemas. The `adjustmentToBase` field is provided to allow an adjustment rate type to specify which base rate type the adjustment applies to, where many may be offered for a product.

Updated and added the `applicabilityConditions` field in the 'BankingProductLendingRate', 'BankingProductDepositRate' and 'BankingProductRateTier' schemas.

Added the `applicationType` field to clarify whether an associated `applicationFrequency` value is to be expected.

Updated the description of the `features` property of 'Get Product Detail' and 'Get Account Detail' to clarify that the schema also supports providing details of any key operational product limitations.

Updated the description of the `constraints` property of 'Get Product Detail' to clarify that the schema is only intended to provide details of constraints on application for the product.

Added new `featureType` values to support operational limitations and the `OTHER` `constraintType` to allow additional detail to be provided.

Added new `feeCategory` field and new `feeType` values to improve classification and comparison of fees.

Updated the 'BankingProductFee' schema to separate different fee types by UType and added minimum and maximum fee details and `feeCap` fields.

Incorporated rate detail into the 'Get Account Detail' schemas to provide specific rate fields separated from the generic Product Reference rate objects.

Extended the `termDeposit` schema in 'Get Account Detail' to allow each deposit to be specified with specific rates and terms.

Updated the 'adjustment' rate type values to remove the `INTRODUCTORY`, `BUNDLE_BONUS`, `BUNDLE_DISCOUNT_FIXED`, `BUNDLE_DISCOUNT_VARIABLE` options. Time and bundle-based rate detail will be supported through new fields to capture that detail: `adjustmentBundle`, `adjustmentPeriod` and `adjustmentEndDate`, leaving the `additionalValue` field available for other detail where necessary.

Added a `deposit` schema in 'Get Account Detail' to provide rate detail for general deposit structures without term deposit maturity detail.

Removed the `specificAccountUType` field in 'Get Account Detail' to clarify that multiple types may be present in a single account.

Updated the 'Use of additionalValue Field' descriptions for the `PENSION_RECIPIENT` and `STUDENT` 'Product Eligibility' and 'Product Discount Eligibility' types.

Updated the description of the `comparisonRate` field to clarify how it could be interpreted when associated with an adjustment rate type.

Updated the description of the rate tier `unitOfMeasure` field to clarify the format of the associated values, including specifying `PERCENT` values as a RateString.

This candidate incorporates the latest Non-Bank Lending (NBL) Draft changes including the `BUY_NOW_PAY_LATER` product category value, the `instalments` object, and related feature and fee types. The endpoint versions incremented due to changes related to the NBL Draft only, are:
- Get Accounts (v3)
- Get Bulk Balances (v2)
- Get Bulk Direct Debits (v2)
- Get Scheduled Payments Bulk (v3).
- Other NBL changes affecting the Register APIs are only shown in the NBL Draft.

The endpoint versions incremented primarily for Decision Proposal 306, but also including NBL detail are:
- Get Account Detail (v4)
- Get Products (v4)
- Get Product Detail (v5).

Corrected minor typos and updated documentation formatting.
```
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Expand Up @@ -74,6 +74,7 @@ This release addresses the following Decision Proposals published on [Standards]

|Change|Description|Link|
|------|-----------|----|
|Version Delta|No changes were made to the [Candidate Standards for Banking Decision Proposal 306](../../includes/additional/candidates/dp306/banking-dp306.html) in this release, but the Version Delta notes in that Candidate have been retained from version 1.28.0 for reference. |[Additional Standards](../../#additional-standards)|

## Known Issues

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