Category: Consultation

Open Banking Limited (OBL) has today announced that the number of consumers and SMEs actively using Open Banking powered services in the UK has reached 7 million for the first time.

User numbers are reported to the OBL by the CMA9, the banks and building society mandated under the CMA Order to implement Open Banking in the UK, and figures for January show that the combined figure tipped 7 million.

The upward trend comes just one month after the completion of the CMA Roadmap and the 5th anniversary of the Second Payment Services Directive (PSD2), which made Open Banking a regulatory requirement in the UK. 


Marion King, Chair and Trustee of OBL, said:

“Open Banking is good for the nation, increasing competition and allowing consumers and SMEs to benefit from new and innovative ways to manage their financial lives. It is encouraging to see that 7 million people have been empowered to take advantage of the benefits of Open Banking.

“As we await key recommendations on the future vision for Open Banking from the Joint Regulatory Oversight Committee, this strong growth underlines the need to continue the momentum so that the many benefits of Open Banking are developed, promoted, and made available to millions more of our citizens.”

Henk Van Hulle, Chief Executive Officer of OBL, said:

“I am delighted that we have now reached 7 million active Open Banking users in the UK. It is significant that 1.2 million of these are first-time users. From access to cost-effective credit, building a regular savings habit or making more informed financial decisions – Open Banking is delivering the means for our citizens to improve their financial wellbeing.”

Notes to editors:

1. Open Banking Ltd (OBL) was set up by the CMA9 in September 2016 as required under the Competition & Markets Authority’s (CMA) Retail Banking Market Investigation Order 2017 to fulfil one of the remedies mandated by the CMA following a market investigation into UK retail banking.

2. The CMA’s investigation into the retail banking market (whose findings were published in August 2016) concluded that older and larger banks do not compete hard enough for customers’ business and that open banking should deliver a new, secure option for customers to be able to compare the deal they are getting from their bank.

3. OBL’s role is to: 

• Enforce the obligations on the CMA9 under the CMA Order.

• Design the specifications for the Application Programme Interfaces (APIs) that banks and building societies use to securely provide Open Banking.

• Support regulated third party providers and banks and building societies to use the OBIE’s Open Banking Standards.

• Create security and messaging standards.

• Manage the OBIE’s Open Banking Directory which allows regulated participants like banks, building societies and third-party providers to enrol in Open Banking.

• Produce guidelines for participants in the Open Banking ecosystem.

• Set out the process for managing disputes and complaints.

OBL spokespeople are available on request.

For enquiries, please contact: CiceroOpenBankingPR@cicero-group.com, 020 7297 5965

The CMA has today published its response on the next steps for open banking across several key areas including monitoring, regulatory oversight, resourcing, sustainability, leadership and representation. Alongside the CMA’s consultation response, HMT, FCA, PSR and CMA have published a Joint Regulatory Statement providing further clarity to the open banking ecosystem on the government’s and regulators’ ambition for open banking and its extension into open finance and other sectors.

Commenting on the announcements, the OBIE’s Trustee and Chair, Charlotte Crosswell, said: “We welcome the announcements by the government and regulators, and the endorsement it gives for the future of open banking to our thriving ecosystem. There has been significant collaboration in developing the infrastructure, standards and ecosystem that we have in place today. We now need to drive forward competition and adoption to realise the benefits of innovation for consumers and businesses across the UK.

“Today’s announcement underlines government and regulators’ commitment to the future success of open banking, and the foundations for open finance and beyond. We will look forward to working with the new Joint Regulatory Oversight Committee over the course of this year.”

Crosswell took the opportunity to reflect on the public good aspect of the CMA’s Retail Banking Market Investigation Order 2017, and highlight why the UK leads the world in open banking implementation and growth. 

“Four years ago, open banking was a concept in name only. Today, more than five million consumers and small businesses are benefiting from open banking-enabled products, and this is only the start. We did not make so much progress by accident, it was by design. The UK’s leadership in open banking was enabled by our pro-competition approach and the ambition of our regulators and government. This forward looking leadership provided the confidence and the means through which innovation has flourished. I look forward to working in close collaboration with all stakeholders in taking open banking into the future and strengthening the UK’s leadership in this field.”

Henk Van Hulle, the OBIE’s CEO, said the organisation was already in planning and preparation mode. “We have already made positive organisational, governance and operational changes to ensure we are best placed to take these arrangements forward. We will consult with key stakeholders and develop a detailed plan for transition, and I am confident that we are in a strong position to deliver what is needed to drive progress and maintain momentum in open banking.” 

Ends.

Notes to editors.  

For further enquiries, or to arrange an interview with an OBIE spokesperson, please contact Adam Taylor, adam.taylor@cicero-group.com.

Open Banking Ltd is the entity set up by the CMA9 as ordered by the CMA in 2016 to deliver open banking. Its trading name is Open Banking Implementation Entity (OBIE).

The OBIE is funded by the CMA9 (Allied Irish Bank, Bank of Ireland, Barclays, Danske, HSBC, Lloyds Banking Group, Nationwide, NatWest Group and Santander). The OBIE works with the CMA9, as well as challenger banks, financial technology companies, third party providers and consumer groups.

The OBIE’s role is to:

The Open Banking Implementation (OBIE) has today launched a consultation on version 3.1.10 of the OBIE Standard. This represents the next stage in the development of open banking in the UK.

This version includes updates on:

We welcome responses to the consultation from all interested parties, using the link below. The consultation process will take place between the 14th February and 4th March 2022.

How and when to respond

Please note that responses are not treated as confidential.

Next steps

We will review and publish responses before the March 2022 Implementation Entity Steering Group (IESG) meeting.

View the draft version of OBIE Standard 3.1.10

Submit feedback

Update: Summary of key proposed changes

At the request of the Expert Advisory Group (EAG) that has been assisting in developing the proposed changes, we have summarised these in an additional document providing a supporting rationale for the proposed approach. 

Moving to the new framework

Feedback from the EAG indicated that it would be useful to address key implementation issues facing the open banking ecosystem which are significant in determining optimal approaches to transitioning to the new regulatory framework but may only have a modest impact on the Standard.

We have set out some analysis on the various approaches identified in EAG discussions and developed conclusions as to a possible common approach.   

This document also contains several specific questions on each of the topics covered which we hope will assist respondents to frame their input to the consultation.

View this document here

We welcome responses to the consultation from all interested parties. Written consultation responses are due by 12pm on 4 March 2022.

You can email your response to the consultation questions raised in this summary document to obiepolicy@openbanking.org.uk. 

The newly appointed Chair of the Open Banking Implementation Entity (OBIE), Charlotte Crosswell pledged to acknowledge and learn from past mistakes to help open banking deliver on its mission as a public good by increasing competition and innovation and ultimately securing better outcomes for consumers and SMEs.

Charlotte Crosswell, Chair of the Open Banking Implementation Entity (OBIE)

Crosswell’s appointment comes after Imran Gulamhuseinwala resigned as OBIE Trustee and Chair following an independent investigation commissioned by the CMA (Competition and Markets Authority). Having considered the findings, the CMA last week published the report and set out the next steps to be taken.

Crosswell is charged with leading the planned transition to the future arrangements for open banking. Further priority hires will be the appointment of new Non-Executive Directors to the OBIE board to give appropriate independent scrutiny and oversight. The OBIE will work with the CMA and CMA9 to put the appropriate measures in place surrounding their appointments.

Charlotte Crosswell, OBIE’s Chair said: “Firstly I want to thank everyone who contributed to the review and acknowledge that those must have been difficult conversations to have. On behalf of OBIE, I want to take this opportunity to sincerely apologise to anyone who feels negatively affected or let down by the issues identified in Ms White’s report. In my new role at OBIE, I am committed to turning these learnings into effective and meaningful change both in terms of stronger governance as well as a continued focus on employee values and wellbeing.

 As part of a transition from a contractor to employee model, the OBIE has already made some progress on overhauling its employment infrastructure; the implementation of employment policies and procedures, the establishment of a dedicated HR function and a Culture and Values Working Group. The sentiment conveyed to me by an overwhelming number of existing staff is that the OBIE of today is unrecognisable from the negative culture previously described. However, the observations and findings of Ms White mean that there is absolutely no scope for complacency. Under my leadership we will commit to working to ensure that there is no repetition of any failings and inadequacies, historical or otherwise. Simply put, what happened was unacceptable and can’t happen again. We intend to act swiftly and decisively. Non-Executive Directors will be appointed to the OBIE board as a priority, to provide appropriate independent scrutiny and oversight.”

Ms Crosswell went on to explain that since joining the OBIE initially as Transition Lead earlier this year she has been hugely impressed with the professionalism, dedication and innovation of the OBIE team and the wider support of the open banking ecosystem.

 “OBIE personnel past and present have helped to establish the UK as a recognised world leader in open banking. 4 million consumers and small businesses in the UK now use services powered by open banking technology. Everyone that works for the OBIE believes in the mission and that has been powerful and inspiring to witness.

 With the CMA soon to announce next steps towards the model for the future governance of open banking we are at a key inflection point, and I hope this will give us greater clarity and enable us to implement fully the kind of leadership, governance and structure, alongside a supportive, diverse and inclusive culture, that is vital for a progressive and permanent organisation.” 

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For further information, please contact: press@openbanking.org.uk

Notes to Editors:

  1. Open banking enables consumers and SMEs to share their bank and credit card transaction data securely with trusted third parties who are then able to provide them with applications and services which save them time and money.
  1. Charlotte Crosswell OBE was appointed as Transition Lead at Open Banking Ltd earlier this year. Charlotte has been involved in capital markets and technology throughout her career – as CEO, Board Advisor and Non-Executive Director. She is the Former CEO of Innovate Finance, where she worked closely with Fintech entrepreneurs, government and regulators in addition to working on the Independent Strategic Review into UK Fintech that was published in February 2021. Charlotte also represents UK Fintech on the Department for International Trade’s Financial Services Trade Advisory Group.
  1. You can view Alison White’s report on the CMA’s website.
  1. The CMA announced the following steps that are being taken following the investigation:
  1. The open banking implementation phase will complete in 2022. The findings of the Alison White investigation will also be taken into consideration in relation to the future governance arrangements for OBIE, alongside responses received to the CMA consultation earlier this year. A further update on this will be published as a priority.

About Us

The Open Banking Implementation Entity (OBIE) is the entity set up by the CMA in 2016 to deliver open banking. Its trading name is Open Banking Limited.

The OBIE is governed by the CMA and funded by the CMA9 (Allied Irish Bank, Bank of Ireland, Barclays, Danske, HSBC, Lloyds Banking Group, Nationwide, Natwest Group and Santander). Its works with the CMA 9, as well as challenger banks, financial technology companies, third party providers and consumer groups.

The OBIE’s role is to:

The Open Banking Implementation (OBIE) has today launched a consultation on version 3.1.9 of the OBIE Standard. This represents the next stage in the development of open banking in the UK.

This versions includes updates on:

The OBIE welcomes responses to the consultation from all interested parties. The consultation process will take place between the 16th August and 3rd September 2021.

  1. The OBIE is hosting a webinar on Tuesday, 24th August at 13:00, to talk through v3.1.9 artefacts and explain the consultation process in more detail. If you wish to join this session, please register via Eventbrite here.
  2. Written consultation responses are due by midday on 3rd September 
  3. Please submit one response per organisation for each artefact.
  4. Responses are deemed to be non-confidential.
  5. Consultation responses will be reviewed, and the responses published, before the September Implementation Entity Steering Group meeting

Links to the draft version 3.1.9 of the OBIE Standard & feedback pages

 API specification

ASPSP MI Specifications & Change Log

TPP MI Specifications & Change Log

Customer Experience Guidelines & Change Log

Guidance for TPPs on use of VRPs for sweeping

Feedback pages

In addition to the above we would like to inform the ecosystem that we have updated the Variable Recurring Payment Proposition to include the agreed definition of Sweeping.

If you experience any issues accessing any of these links, please raise a ticket via the Service Desk Portal (if you have access)

https://openbanking.atlassian.net/servicedesk/customer/portal/1 or email the ServiceDesk@openbanking.org.uk and we can organise access.

All other queries can be directed to press@openbanking.org.uk

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For further information, please contact: press@openbanking.org.uk

About Us

Open banking is a new, secure way for customers to take control of their financial data and share it with organisations other than their banks. Open banking has the power to revolutionise the way we move, manage and make more of our money. For businesses, it is about making the management of cash flow and receiving payments cheaper and easier. Open banking will make things simpler, faster and more convenient.

The OBIE follows the Competition and Markets Authority (CMA) investigation into the supply of personal current accounts (PCAs) and of banking services to small and medium-sized enterprises (SMEs).

The OBIE was created to enable innovation, transparency and competition in UK financial services. It is tasked with delivering the Application Programming Interfaces (APIs), data structures and security architectures that will enable developers to harness technology, making it easy and safe for individuals and SMEs to share the financial information held by their banks with third parties.

Open banking will bring substantial benefits. It gives customers and SMEs greater market choice and greater control over their money and associated data, along with better and easier access to new financial services providers in a secure environment.

Notes to Editors:

The OBIE was set up by the Competition & Markets Authority (CMA) in September 2016 to fulfil one of the remedies mandated by the CMA following an investigation into UK retail banking.

The CMA’s investigation into the retail banking market (whose findings were published in August 2016) concluded that older and larger banks do not compete hard enough for customers’ business and that open banking should deliver a new, secure option for customers to be able to compare the deal they are getting from their bank.

The OBIE was created to enable innovation, transparency and competition to UK financial services. It is tasked with delivering the Application Programming Interfaces (APIs), data structures and security architectures that will make it easy and safe for customers to share their financial records by January 2018.

The data provided by open banking will enable developers to harness technology that allows individuals and businesses to share their financial records held by their banks with third parties.

The OBIE is a private body; its governance, composition and budget was determined by the CMA. It is funded by the UK’s nine largest current account providers and overseen by the CMA, the Financial Conduct Authority and Her Majesty’s Treasury.

The 9 mandated institutions (referred to as the CMA9) are: Barclays plc, Lloyds Banking Group plc, Santander, Danske, HSBC, RBS, Bank of Ireland, Nationwide and AIBG.

The Competition and Markets Authority’s (CMA) today published all of the responses it received (60) to its recent consultation on the future oversight of the open banking remedies, including the submission presented by the OBIE’s Implementation Trustee, Imran Gulamhuseinwala OBE.

The Trustee’s full written response to the Consultation can be accessed here.

Imran Gulamhuseinwala said: “We are at a critical juncture in the journey of Open Banking in the UK, with the CMA set to decide the future path that journey will take in the coming weeks. I am proud of what we have achieved thus far, with the infrastructure largely built and adoption and innovation picking up pace. But we now must look to the future.

The UK has long led the world in the field of financial innovation and we have a golden opportunity for Open Banking to evolve to the next logical phase, Open Finance – opening up new products and opportunities for citizens and businesses alike. My response provides the CMA with a forward-looking and positive plan to bank what we have achieved and to prepare us for what comes next.”

The consultation, which ran from the 5 to the 29 March 2021, sought “stakeholder views on what arrangements it would be appropriate to put in place to ensure the effective oversight and governance of the CMA’s open banking remedies” following the completion of the OBIE’s existing implementation Roadmap, and to generate insight from the ecosystem on an appropriate transition process towards a future governance model.

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For further information, please contact: press@openbanking.org.uk

About Us

The Open Banking Implementation Entity (OBIE) is the entity set up by the CMA in 2016 to deliver open banking. Its trading name is Open Banking Limited.

The OBIE is governed by the CMA and funded by the CMA9 (Allied Irish Bank, Bank of Ireland, Barclays, Danske, HSBC, Lloyds Banking Group, Nationwide, Natwest Group and Santander). Its works with the CMA 9, as well as challenger banks, financial technology companies, third party providers and consumer groups. The OBIE’s role is to:

The Open Banking Implementation Entity (OBIE) today publishes two documents following the conclusion of the second phase of its consultation on Variable Recurring Payments (VRPs) and Sweeping.

These documents are:

  1. VRP and Sweeping User Research Final Report
  2. Phase II Feedback Summary and OBIE Response Paper

This consultation process was started in November 2020.  Feedback from the first phase was published in January 2021.

Following this consultation process, the OBIE published version 3.1.8 of its Open Banking Standard, which includes VRP functionality. The OBIE will conclude its evaluation of Sweeping in the Summer of 2021.

 

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For further information, please contact: press@openbanking.org.uk

About Us

The Open Banking Implementation Entity (OBIE) is the entity set up by the CMA in 2016 to deliver open banking. Its trading name is Open Banking Limited.

The OBIE is governed by the CMA and funded by the CMA 9 (Allied Irish Bank, Bank of Ireland, Barclays, Danske, HSBC, Lloyds Banking Group, Nationwide, Natwest Group and Santander). Its works with the CMA 9, as well as challenger banks, financial technology companies, third party providers and consumer groups. The OBIE’s role is to:

 

 

The Financial Conduct Authority (FCA) has published industry feedback from its Open Finance call for input from December 2019.

Responding to the findings, Imran Gulamhuseinwala OBE, Trustee, Open Banking Implementation Entity said:

“Both today’s report from the FCA and the recent Kalifa Review clearly highlight the transformation and the benefits that open banking is bringing across financial services.

“More than three million consumers and SMEs are using open banking enabled apps. That’s not only boosting competition and innovation, but it means that customers are getting better deals and more suitable products.

“The success of open banking is reflected in the strength of the UK’s FinTech sector. The UK has more open banking third party providers than the whole of the EU combined. That’s something not only to celebrate, but crucial in understanding how we maintain momentum and pave the way for open finance and Smart Data.”

 

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For further information, please contact: press@openbanking.org.uk

About Us

The Open Banking Implementation Entity (OBIE) is the entity set up by the CMA in 2016 to deliver open banking. Its trading name is Open Banking Limited.

The OBIE is governed by the CMA and funded by the CMA9 (Allied Irish Bank, Bank of Ireland, Barclays, Danske, HSBC, Lloyds Banking Group, Nationwide, Natwest Group and Santander). Its works with the CMA 9, as well as challenger banks, financial technology companies, third party providers and consumer groups. The OBIE’s role is to:

 

This morning the Competition and Markets Authority (CMA) have published a consultation paper on the future governance of open banking. Responding to the news, Imran Gulamhuseinwala, Trustee, Open Banking Implementation Entity (OBIE) said: 

“As the OBIE comes to the end of the implementation phase, we look forward to working with the CMA, who will set out the next steps and we encourage any external stakeholders to contribute to the consultation. A regular appraisal of the progress of open banking implementation is crucial to ensure a healthy ecosystem and competitive market.”

“Open banking has been critical to supporting the UK’s emerging and growing FinTech industry. We have pioneered the technology and as the Government said only last week, it is now taking the world by storm. The legislation that underpins open banking (PSD2) applied to all EU countries, yet three years on, the UK has more open banking providers than the whole of the EU combined. That’s a clear endorsement to how we have approached this opportunity.

“In 2018, the OBIE was tasked to help build the framework and the standards that would allow open banking to flourish. I am delighted that we now have more than three million regular users of open banking-enabled products, from money management tools to help consumers manage their personal finances better, to accountancy products that are helping small businesses find cheaper Covid loans and manage cashflow. Currently, we are seeing one million new users of open banking every six months and growing innovation in areas such as payments.

“As we look beyond to open finance and smart data, it is terrific to see a clear recommendation from the Kalifa Review supporting the concept of a similar mandated body to oversee its implementation. It will be beneficial to UK FinTech, but most importantly to consumers and small businesses.”

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For further information, please contact: press@openbanking.org.uk

About Us

The Open Banking Implementation Entity (OBIE) is the entity set up by the CMA in 2016 to deliver open banking. Its trading name is Open Banking Limited.

The OBIE is governed by the CMA and funded by the CMA 9 (Allied Irish Bank, Bank of Ireland, Barclays, Danske, HSBC, Lloyds Banking Group, Nationwide, Natwest Group and Santander). Its works with the CMA 9, as well as challenger banks, financial technology companies, third party providers and consumer groups. The OBIE’s role is to:

 

 

The Open Banking Implementation Entity (OBIE) has today published its consultation on Confirmation of Payee (CoP) and the Contingent Reimbursement Model (CRM) Code and its implications for open banking payment journeys.

The OBIE welcomes stakeholder views on the CoP / CRM Consultation paper via its online Consultation Survey.

  1. CoP/ CRM Consultation paper
  2. CoP and CRM Proposition paper
  3. CoP CRM Implications for OBIE R/W API Standards

A further Preliminary Analysis paper is also being published, which sets out in more detail the preliminary findings from the consumer research commissioned exploring the effectiveness of warnings. This supplements the summary of findings presented in the Consultation Paper.

The primary focus of our consultation is the content set out in the Consultation Paper. However, we have also produced a Draft Proposition Paper and an outlining of the potential implications for the API specification. We welcome observations on the recommendations set out in these too, via the relevant Confluence Feedback pages detailed below.

Consultation Process

If you experience any issues accessing any of these links, please raise a ticket via the Service Desk Portal (if you have access) https://openbanking.atlassian.net/servicedesk/customer/portal/1 or email the ServiceDesk@openbanking.org.uk and we can organise access.

 

-ENDS-

About the Open Banking Implementation Entity:

The Open Banking Implementation Entity (OBIE) is the entity set up by the CMA in 2016 to deliver Open Banking. Its trading name is Open Banking Limited. OBIE is governed by the CMA and funded by the CMA9 (Allied Irish Bank, Bank of Ireland, Barclays, Danske, HSBC, Lloyds Banking Group, Nationwide, RBS Group and Santander). Its works with the CMA 9, as well as challenger banks, financial technology companies, third party providers and consumer groups.

OBIE’s role is to:

 

 

 

The Open Banking Implementation Entity (OBIE) has today published its response and revised its proposals following the first phase of its consultation into Variable Recurring Payments and Sweeping.

As part of the second phase of this consultation, the OBIE welcomes stakeholder views on the following papers, via an online consultation survey which will run through until Friday 12th February.

  1. Revised Sweeping Evaluation Consultation Paper
  2. Revised Variable Recurring Payments Proposition Consultation Paper
  3. Feedback Summary and OBIE Response Paper
  4. VRP and Sweeping User Research Preliminary Report

‘Tracked Changes’ versions of the Consultation Papers, highlighting changes since the initial publication, can be found via the links below:

  1. ‘Tracked Changes’ Sweeping Evaluation Consultation Paper
  2. ‘Tracked Changes’ Variable Recurring Payments Proposition Consultation Paper
  3. ‘Tracked Changes’ Feedback Summary and OBIE Response Paper

In addition, based on feedback received from the first phase of consultations on Variable Recurring Payments and Sweeping, OBIE has produced revised VRP Standards and welcomes feedback from interested stakeholders. This includes the following artefacts:

  1. API Specification
  2. Customer Experience Guidelines
  3. MI Specification

Consultation Process

If you experience any issues accessing any of these links, please raise a ticket via the Service Desk Portal (if you have access) https://openbanking.atlassian.net/servicedesk/customer/portal/1 or email the OBIE Service Desk at ServiceDesk@openbanking.org.uk to request access.

-ENDS-

About the Open Banking Implementation Entity:

The Open Banking Implementation Entity (OBIE) is the entity set up by the CMA in 2016 to deliver Open Banking. Its trading name is Open Banking Limited. OBIE is governed by the CMA and funded by the CMA9 (Allied Irish Bank, Bank of Ireland, Barclays, Danske, HSBC, Lloyds Banking Group, Nationwide, RBS Group and Santander). Its works with the CMA 9, as well as challenger banks, financial technology companies, third party providers and consumer groups.

OBIE’s role is to:

The OBIE has today launched consultations on Variable Recurring Payments and Sweeping. This represents the next stage in the development of open banking in the UK.

Variable Recurring Payments (VRPs) allow customers to safely connect authorised payments providers to their bank account so that they can make payments on the customer’s behalf, within agreed parameters that offer more control and transparency than existing alternatives.

Sweeping is the automated movement of funds for a customer between two accounts in their name, usually to help the customer avoid charges or benefit from better interest rates.

Consultation Process and Supporting Material

The OBIE welcomes responses to the consultation from all interested parties. The first phase of the Consultation Process will take place between the 9 November and 4 December 2020.

1. OBIE has held a series of webinar workshops, open to all stakeholders. Recordings of these events can be reviewed as follows:

2. Written consultation responses are due by midday on 4 December.

3. Background documentation is also available:

– Please submit one response document per organisation.

– Responses are deemed to be non-confidential.

– Consultation responses will be reviewed and a summary of the responses published, before the Christmas break.

4. For the VRP Standards documents, please respond via Confluence Feedback Pages.

5. A further phase of consultation expected to commence towards the end of January, with final decisions expected in early Spring.

Links to documents & feedback pages

Consultation papers

VRP Standard

If you experience any issues accessing any of these links, please raise a ticket via the Service Desk Portal (if you have access) https://openbanking.atlassian.net/servicedesk/customer/portal/1 or email the ServiceDesk@openbanking.org.uk and we can organise access.