The definitive guide to CDR access models

CDR Access model cheat sheet

Helping you choose

Each model in detail

On 30 September 2021, Treasury published its highly anticipated v3 rules amendments. It includes what has come to be known as tiered accreditation – new models to access CDR data in addition to the existing unrestricted Accredited Data Recipient model.

These rules are meant to drive adoption by creating a thriving ecosystem of CDR participants, delivering valuable use cases to consumers and businesses. They offer lower barriers to entry, limited access models and ways to share liability and responsibilities between participants.

The different models include:

  1. Unrestricted ADR (existing)
  2. Sponsorship model
  3. Representative model
  4. Collecting Outsourced Service Providers (COSP)
  5. Trusted adviser
  6. CDR insights

With 5 new models to get access to CDR data (plus the existing one) it can be difficult to figure out what’s right for you.

tiered accreditation cdr access models

Which CDR access model is right for your business?​

Frollo and RSM Australia have collaborated to create a practical guide to tiered accreditation.


  • Timeline for implementation
  • CDR access model cheat sheet
  • Helping you choose, the effort per model and your next steps
  • A detailed look at each of the models

Download the free guide to get started right away.

Tiered accreditation cheat sheet

Download the guide

Other CDR Resources

As a leader in Open Banking in Australia, Frollo has published a number of reports, explainers, checklists and infographics to help grow the Consumer Data Right ecosystem.

You’ll find a selection of these resources below.

The state of Open Banking in Australia

An overview of challenges and opportunities in Open Banking, based on surveys and interviews.

Whitepaper: CDR the Gamechanger

What is the Consumer Data Right and what does it mean for businesses and consumers?

The Frollo ADR checklist

An easy overview of what to do and think about when applying to become an ADR.

Open Banking and financial wellbeing

Our Founder & CEO Gareth Gumbley speaks about how Open Banking can help improve financial wellbeing.

5 questions about Data Holder Testing

Our CIO Tony Thrassis answers the five most frequently asked questions about Data Holder Testing.

Infographic: The state of Open Banking in Australia

Infographic highlighting the key insights from our 2020 report on the State of Open Banking.

Who we're working with

Frollo is an Open Banking intermediary. We help banks, lenders, fintechs and other organisations use Open Banking and AI to deliver better customer experience.

Clients like ANZ and P&N Group use Frollo’s market leading Open Banking platform to power their CDR experiences.

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