How to Become a CDR Accredited Data Recipient (ADR) in 2025

What Is an Accredited Data Recipient?

An Accredited Data Recipient (ADR) is a business that has been formally approved by the Australian Competition and Consumer Commission (ACCC) to receive consumer data through the CDR framework.

Becoming an ADR allows your business to:

• Access consumer banking and energy data (with consent)
• Build products that automate switching, payments, credit checks, and more
• Offer competitive, personalised experiences

Learn more about CDR roles in the ACCC guidelines.

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Steps to Become an ADR in 2025

The process to become an Accredited Data Recipient has been evolving to reduce cost and complexity. Here's what the roadmap typically looks like:

1. Understand the Accreditation Models

There are now multiple ways to participate in the CDR ecosystem:

• Unrestricted ADR: Full accreditation with broad data access
• Sponsor/Affiliate model: Access via partnership with an accredited sponsor
• Representative model: Operate under a CDR Principal as an agent

Explore the models on the CDR Participant Pathways.

2. Prepare Required Documentation

You’ll need to demonstrate:

• Information security management (aligned with ISO 27001)
• Consent management and privacy controls
• CDR policy and procedures

For privacy requirements, see the OAIC CDR Privacy Guidelines.

3. Apply Through the CDR Participant Portal

Submit your application via the CDR Participant Portal, including:

• Business details
• Security architecture
• Consent processes
• Insurance and liability coverage

4. Complete Onboarding and Testing

Once accredited, you’ll:

• Be listed on the CDR Register
• Test your software with CDR APIs and sandboxes
• Go live and start accessing data from banks and energy retailers

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How Long Does Accreditation Take?

Accreditation can take several weeks to months depending on complexity. For many fintechs, using a sponsor model or partnering with a CDR API provider like Fiskil is the fastest way to start building.

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Why CDR Accreditation Matters for Your Business

Becoming an ADR gives you a competitive edge by enabling:

• Real-time access to consumer data
• Smarter credit decisioning and customer onboarding
• Automated switching tools in energy, lending, and finance
• Increased trust through compliance with a government-regulated framework

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How Fiskil Can Help You Accelerate Accreditation

Fiskil is a CDR-compliant API platform that:

• Provides secure access to CDR banking and energy data
• Helps you integrate with over 140+ data holders
• Supports sponsor and affiliate models for faster go-to-market
• Reduces the technical and compliance burden of going direct

Whether you're looking to become an ADR or want to start with a sponsor, talk to us about how Fiskil can support your CDR strategy.

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Useful Links and Resources

• CDR Accreditation Overview – cdr.gov.au
• Participant Pathways – Treasury
• CDR Privacy Guidelines – OAIC
• Consumer Data Standards
• ACCC Accreditation Process