Abbreviations

Below you will find the list of abbreviations and terms used in describing the Account Information (AIS) module.

Abbreviation	Description
ADR	Accredited Data Recipient, ADR is also referred as a Third Party Provider (TPP)
CDS	Consumer Data Standards
CDR	Consumer Data Right
API	Application Programming Interface
ACCC	Australian Competition and Consumer Commission
CUSCAL	Data Holder platform service provider
Data Holder (or DH)	The organisation that holds the information and supplies it at the request of the ADR or consumer. (e.g. Challenger Bank)
Data Recipient (or ADR)	An accredited organisation requesting data from the user
JA	Joint Account
JAH	Joint Account Holder
ATO	Authority to Operate. A type of Party-to-Account user role where the individual has self-service financial control of an account.
POA	Power of Attorney. A type of Party-to-Account user role where the individual has been granted self-service financial control of an account. The owners of the Account also may have access and control. However, when sharing data, this is done on behalf of the owners and not on behalf of the POA.
EPOA	Enduring financial Power of Attorney. As POA. However, the owners of the account are not able to self-operate the account. Furthermore, this POA is treated as an owner of the account and requires no prior nomination but shares on behalf of the owners not on behalf of themselves.
NVA	Non-Value Access. A type of Party-to-Account user role where the individual does not have financial control of the account. In channels, they can view balances but otherwise cannot transact.

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