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Key Takeaways:
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Good news for Consumers and Trusted Advisers using Frollo!
Consumers have access to 110+ available Data Holders such as Banks when collecting their financial information to use in the Frollo App or share with their Trusted Adviser (Financial Adviser or Mortgage Broker).
Here's What's Useful to Know
The Australian Government reports that 99.73% of the household deposit market share is already covered by Open Banking data sharing. Furthermore, the Government has mandated non-bank lending participation.
Non-Bank Lending Participation
The Australian Government has mandated that Product data sharing obligations will apply in the non-bank lenders sector from 13 July 2026. This will be followed by consumer data sharing obligations starting from 9 November 2026 for initial providers and from 10 May 2027 for large providers.
This expansion means that you can gather more comprehensive financial information to receive a complete financial position picture.
Data Holders not yet Available
As of October 2026, some of the known Data Holders that are not currently available are listed below.
Also refer to the CDR Non-bank lender data holders with CDR data sharing obligations
- American Express (AMEX)
- Athena Home Loans
- Bluebay Home Loans
- Bluestone
- Firstmac
- HomeStart Finance
- La Trobe Financial
- Latitude Financial Services
- Pepper Money
- Resimac
- Thinktank
Known Issues
The ACCC provides a rectification schedule of active Data Holders with implementation gaps.
A summary of banking issues is available: Rectification schedule - active data holders with implementation gaps
The issues of high impact to Frollo are:
| # | Data Holder | Issue | CDR Ref |
| 1 | Bendigo Bank |
Bendigo Bank is not providing Equipment Finance account balance data. When attempting to collect data a sync error errors. We recommend removing Equipment Finance accounts and retrying to prevent impacting other account data collection. Bendigo Bank's fix deployed on the 25th of September. Fix pending verification testing. |
CDR-11112 |
| 2 | National Australia Bank (NAB) |
Account syncing issue caused when an account is "partially" closed and holds a positive balance. Customers are required to contact their Banker or NAB Customer Support to complete the process to fully close the account. |
CDR-10533 |
| 3 | Woolworths Team Bank | API errors will be addressed when Woolworths migrates to their new software platform. The new date is now 30th Nov 2026. | CDR-9174 |
Sources: