---
title: "Review a Consumer Data Right participation agreement and API terms"
url: "https://ailawframework.com/practice/technology-media-and-telecommunications-it-contracts/review-an-open-banking-or-consumer-data-sharing-participation-agreement/commonwealth"
type: "task_jurisdiction_version"
site: "AI Law Framework"
id: "A24-T1-R12-CTH"
practice_area: "Technology, Media & Telecommunications / IT Contracts"
tier: "yellow"
lawyer_review: "required"
jurisdictions: ["CTH"]
last_reviewed: "2026-09-23"
---

# Review a Consumer Data Right participation agreement and API terms

> Line up data-holder, accredited-recipient and API obligations in the agreement against the CDR Rules and OAIC CDR Privacy Safeguards the lawyer has named, marking gaps.

Canonical page: https://ailawframework.com/practice/technology-media-and-telecommunications-it-contracts/review-an-open-banking-or-consumer-data-sharing-participation-agreement/commonwealth  
Last reviewed: 2026-09-23

Site index for agents: https://ailawframework.com/llms.txt

## Key facts

| Fact | Value |
| --- | --- |
| Practice area | [Technology, Media & Telecommunications / IT Contracts](https://ailawframework.com/practice/technology-media-and-telecommunications-it-contracts.md) |
| Human involvement | Yellow: Lawyer and AI draft together |
| How AI is used | Line up data-holder, accredited-recipient and API obligations in the agreement against the CDR Rules and OAIC CDR Privacy Safeguards the lawyer has named, marking gaps. |
| What the lawyer must review | Check the CDR Rules and Data Standards (e.g. FAPI 1.0 Advanced) on consumerdatastandards.au Check the CDR Register Do not treat outsourcing as shifting the data holder's duties (Privacy Safeguard 11) Note the OAIC's Regional Australia Bank determination (May 2025) Check Treasury's timeline for non-bank lenders Confirm Privacy Safeguard 12 deletion duties |
| Written for | Commonwealth |
| Applies to | [Review an open-banking or consumer-data-sharing participation agreement](https://ailawframework.com/practice/technology-media-and-telecommunications-it-contracts/review-an-open-banking-or-consumer-data-sharing-participation-agreement.md) |

## Checking plan

**Lawyer review required**

The responsible lawyer reviews the work against the instructions, sources and intended use.

- What the AI does: Potential support includes extracting and organising information and summarising source material. Confirm the tool’s capability and permitted scope.
- What the lawyer does: Set the scope, verify the evidence, resolve exceptions and approve the final output for its intended use.
- Who reviews: Responsible lawyer with competence in the matter
- Basis: Suggested checking approach based on the task guidance. Complete the assessment for the actual tool, information and jurisdiction.
- Why: The plan reflects the described work and review requirements. Policy colours are not used to determine permission or checking.

## Checks the lawyer makes

1. Review operative clauses in the complete document, including definitions, cross-references, schedules and inconsistencies with the instructions.
2. Confirm that the actual tool, feature and processing terms permit use of this information, including access, retention, training and disclosure conditions.
3. Obtain and inspect the relevant current official register or search result. Confirm identities, interests and the date and scope of the search.
4. Verify dates, people and sequence against contemporaneous records. Preserve uncertainty and identify gaps or conflicting accounts.
5. Verify the applicable jurisdiction and the version of each relevant law, rule or instrument in force at the material time.
6. Confirm the output against the client’s instructions and the complete relevant source material, including omissions or contradictions.
7. Resolve exceptions and record the responsible lawyer’s approval of the exact output and intended use.

## Notes

- Confirm the required checking with the responsible lawyer before work starts. The checking approach does not establish permission to use AI.

*Practice guidance for planning and review. Confirm current primary sources and the requirements of the actual matter. This is general information, not legal advice.*