Banking API — Open Banking AU
CDR Consent Flows, Renewal, and Revocation Management
Manage the full CDR consent lifecycle including collection, amendment, renewal, and revocation. Fiskil's consent management API ensures compliant handling of consumer data sharing authorisations across all Australian banks.
The Challenge
CDR consent rules are detailed and prescriptive, and getting any stage of the consent lifecycle wrong can result in compliance breaches or data access failures.
The Solution
Fiskil provides a comprehensive consent management layer that handles collection, amendment, renewal, and revocation in full compliance with CDR Rules.
Capabilities
How Fiskil Helps
Compliant Consent Collection
Pre-built consent collection flows that present the required information to consumers as mandated by CDR Rules, including data clusters, purposes, duration, and third-party disclosures.
Consent Amendment and Renewal
API endpoints for amending consent scope (adding or removing data clusters) and renewing consents before expiry, with correct handling of the CDR Rules distinction between amendment and new consent.
Multi-Channel Revocation Handling
Process consent revocations from any source: your application, the data holder's consent dashboard, or the CDR consent dashboard. Webhook notifications ensure your system responds to revocations in real-time.
Consumer Consent Dashboard
Embeddable consent dashboard UI components that display current consent status, data sharing scope, expiry dates, and connected accounts, meeting CDR requirements for consumer transparency.
Implementation
How It Works
Define Consent Requirements
Specify the CDR data clusters your application needs, the purpose for data use, the desired consent duration (up to 12 months), and any third-party data sharing arrangements. Fiskil validates these against CDR Rules.
Implement Consent Collection Flow
Use Fiskil's consent SDK or API to present the compliant consent request to the consumer. The consumer reviews the data sharing details and is redirected to their bank for authorisation via the FAPI 2.0 flow.
Manage Active Consents
Monitor active consents through Fiskil's API. Set up amendment flows for scope changes, configure renewal reminders before expiry, and integrate the consumer consent dashboard into your application.
Handle Revocation and Data Deletion
Process consent revocations from all channels via Fiskil's webhooks. When a consent is revoked, Fiskil triggers your data deletion workflow and provides confirmation records for compliance evidence.
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FAQs
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