Your chance to have your say on version 3.1.10 of the OBIE Standard


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:

  • 90-day changes – there are several changes to the Customer Experience Guidelines (CEGs) and API Specifications required to support the change in regulation regarding 90-day re-authentication.
  • Transactional Risk Indicators which introduce enhancements to the risk block that will enable improved risk assessment of open banking payments.
  • The adoption of more customer-friendly terminology in illustrative wireframes to reflect the Common Terminology Guide to improve customer awareness and understanding.
  • Updates driven by errata identified in 3.1.9.

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

  • Using the feedback pages, please submit your written response by midday on 4th March 2022.
  • Please submit one response per organisation for each artefact.

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

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.

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