The Consumer Data Right mandates that banks share data starting from January 1, 2017. This means that all transactions from that date onwards are generally available to be shared with Accredited Data Recipients (ADRs) like ACSISS.
However, there are a few considerations regarding the availability of transactions:
Account Opening Date: If you opened your account after January 1, 2017, the availability of transactions for sharing starts from the date you opened the account.
Exemptions: Some banks have received exemptions from the data sharing requirement. These exemptions may be granted for various reasons, such as mergers or significant system upgrades that have limited or eliminated access to old transactions.
It's important to keep these factors in mind when considering the availability of transactions for sharing under the Consumer Data Right.