CDR Compliance Monitoring for Australian ADIs · daily scans · zero integration required

Every rate. Every fee. Always in sync

Automatically compare your CDR API, PDF schedules, and website pages. Surface discrepancies before they become compliance issues.

CDR.scanner / Rates / ACME Bank
Live
Rates
Fees
URL Validation
Product Explorer
History
Product Code CDR API PDF Website Status
Variable Home Loan — Investor
P&I · LVR ≤ 80%
 84e8-f8b3 7.14% 7.14% 7.14% Match
Variable Home Loan — Owner Occupied
P&I · LVR ≤ 80%
 a1b2-c3d4 6.74% 6.74% 8.74% Mismatch
CDR API payload
source of truth
website mismatch
PDF schedule — matches CDR
ACME-RateSchedule-Mar2026.pdf
Page 3 / 8
ACME Bank
Interest Rate Schedule · Effective 1 March 2026
Variable Rate Home Loans
Product Rate p.a. Comp.
Website — 2.00% higher than CDR
acmebank.com.au/home-loans/rates
ACME Bank Home Loans
Home Loan Interest Rates
Effective 1 March 2026. All rates per annum.
Variable Home Loan — Owner Occupied
P&I · LVR ≤ 80%
Interest rate
8.74%
*Comparison rate on $150,000 over 25 years.
Product Fee CDR API PDF Website Status
Low Rate Credit Card
VISA · personal
 Annual Fee $59.00 $59.00 $59.00 Match
Platinum Credit Card
VISA · personal
 Annual Fee $95.00 $95.00 $105.00 Mismatch
CDR API payload
source of truth
website mismatch
Fees PDF — matches CDR
ACME-FeeSchedule-Mar2026.pdf
Page 2 / 6
ACME Bank
Credit Card Fees & Charges · Effective 1 March 2026
Platinum Credit Card
Fee Amount Frequency
Website — $10.00 higher than CDR
acmebank.com.au/credit-cards/rates-fees
ACME Bank Credit Cards
Credit Card Rates & Fees
Effective 1 March 2026
Platinum Credit Card
Annual fee
$105.00
Full fee schedule available in product disclosure statement.
184
URIs checked
182
200 OK
1
Broken
1
Redirect
Product URI field URL HTTP Checked Status
Everyday Saver
 overviewUri acmebank.com.au/savings/everyday 200 6m ago Match
Variable Home Loan OO
 applicationUri acmebank.com.au/home-loans/apply 200 6m ago Match
Platinum Credit Card
 feesAndPricingUri acmebank.com.au/cards/platinum/fees-old 301 6m ago Redirect
Business Term Deposit
 feesAndPricingUri acmebank.com.au/business/td/fees 404 6m ago Broken
feesAndPricingUri for Business Term Deposit returns HTTP 404. CDR customers and accredited data recipients cannot reach the fee disclosure page.
Search 50 products…
Variable Home Loan — Owner Occupied
Home loans · P&I · LVR ≤ 80%
8.74%website
Mismatch
Variable Home Loan — Investor
Home loans · P&I · LVR ≤ 80%
7.14%CDR · PDF · website
Match
Everyday Saver
Savings · tiered bonus
5.35%intro 4 months
Match
Business Term Deposit
Term deposits · 12 months
4.85%at maturity
Match
Variable Home Loan — Bridging
Home loans · IO · 12 month limit
8.29%CDR · PDF · website
Match
Last 30 days
31 scans · 2 mismatches detected
Match Mismatch
Mismatch detected — Variable Home Loan OO
Website rate drifted from CDR 6.74% to 8.74%. Alert email sent to product-ops@acme.
Today · 16:00
Rate updated — Everyday Saver
Intro rate refreshed to 5.35% across CDR, PDF, and website. All sources confirmed consistent.
Yesterday · 07:12
Mismatch resolved — Platinum Credit Card fee
Website annual fee corrected from $105 to $95. Now matches CDR and fee PDF.
2 days ago · 11:43
Daily scan completed
50 products · 184 URIs · 0 issues. Scan took 1m 42s.
2 days ago · 06:35
01 / How it works
Three sources.
One reconciliation.
CDR.scanner pulls from every channel your bank publishes rates through, then compares them field by field, every day.
01 — INGEST

Pull from every source

GET /cds-au/v1/banking/products # daily · PDF scrape · page render

Fetches live CDR Open Banking API data, scrapes PDF rate & fee schedules, reads public product pages — all automatically.

02 — RECONCILE

Field-by-field comparison

rate comp. rate fee tier additionalValue overviewUri
CDR vs PDF vs website · side by side

Every rate, fee, tier and URL compared across all three sources. Mismatches flagged instantly with exact values.

03 — ALERT

Instant alerts, full history

alert · 16:02 · mismatch 
audit · signed · timestamped 
resolved · 17:41 · cleared 

Email alerts the moment a mismatch is detected. Every scan stored — a timestamped audit trail of when issues appeared and resolved.

02 / Features
Everything your team needs to stay in sync.
Built for product and operations teams at Australian banks managing CDR data across multiple channels.

Rate reconciliation

Compare interest rates across your CDR API, PDF schedules, and public website daily. Mismatches surface instantly with exact values side by side.

Fee monitoring

Track 100+ fee fields per product. Catch copy-paste errors, wrong additionalValue formats, and overlapping tier ranges before they become an issue.

URL validation

Verify every overviewUri, feesAndPricingUri, and applicationUri resolves correctly and points to the right product page.

Mismatch history

Every scan is stored with a full timestamp. Review when a discrepancy first appeared, how long it persisted, and when it was resolved.

Product Explorer

Browse raw CDR API responses for any product in your portfolio. Inspect the full payload your bank serves to accredited data recipients.

Email alerts

Get notified the moment a mismatch is detected. No dashboards to manually check — CDR.scanner surfaces problems as they happen.

03 / Why this matters
Data quality is an ongoing obligation, not a one-time setup.
CDR.scanner helps your team stay on top of CDR data quality — by finding discrepancies internally, so you can fix them before they become a problem.
CDR Standards — Data Quality (non-functional requirement)“Data Holders MUST ensure that data provided through the CDR APIs is accurate, complete and up to date to the extent possible given the underlying systems and processes.”
CDR Rules, Rule 2.4(3)“Data must be accurate, complete and up to date.” In practice, this means your CDR data must align with rates and fees published on your website and product disclosure statements — inconsistencies between channels are one of the most common causes of CDR compliance issues.
CDR Compliance Focus“The provision of incorrect interest rates” is a known focus area for CDR compliance activity. CDR.scanner monitors exactly this.
04 / What we’ve found
Data quality issues we’ve uncovered.
Running totals from the banks CDR.scanner monitors today — rate, fee and field-level discrepancies surfaced before they became compliance incidents.
discrepancies surfaced since launch 0 rate, fee & field-level data-quality issues reconciled across CDR / PDF / web. Every one is a compliance incident caught early.
open issues awaiting resolution 0 live discrepancies flagged on today’s scan — each one is a data-quality issue awaiting resolution.
products tracked 0 home loans, savings, TDs, credit cards, personal & business lending.
fee & rate fields 0 compared field-by-field, every day.

// running totals across onboarded ADIs

05 / Plans
Three plans. One conversation.
Pricing scales with the size of your bank and product catalogue. Book a call — we’ll tailor a quote in 24 hours.
Essentials
Talk to us
Core CDR compliance monitoring. Daily scans with email alerts.
  • ✓CDR API + PDF rate & fee comparison
  • ✓All product categories
  • ✓Daily automated scans
  • ✓Email alerts on mismatch
  • ✓Stale product detection
Most popular
Full Suite
Talk to us
All channels. Full dashboard. History, audit log, and compliance tools.
  • ✓CDR API + PDF + website comparison
  • ✓All product categories
  • ✓Daily automated scans
  • ✓Live dashboard with mismatch history
  • ✓Product Explorer raw data view
  • ✓URL validation monitoring
  • ✓Stale product detection
  • ✓CDR data screenshots & evidence
Enterprise
Custom
Multiple domains or brands. Pre-production monitoring.
  • ✓Multiple domains / brands
  • ✓Monitor test environments pre-production
  • ✓Custom scan frequency
  • ✓Dedicated support
  • ✓White-label option
06 / FAQ
Common questions.
What is CDR.scanner actually for? +
CDR.scanner is a hosted data quality assurance service for product and operations teams. It compares your CDR API, PDF rate schedules, and public website daily and surfaces any discrepancies so your team can identify and resolve them quickly. Monitoring results are provided solely for your team’s internal use. CDR.scanner may independently report systemic or significant non-compliance to relevant regulatory bodies where we consider it in the public interest to do so.
How does CDR.scanner access our CDR API? +
CDR.scanner reads only your public CDR product reference data — the same /banking/products endpoint visible to anyone. No accreditation, customer data access, or integration with your internal systems is required.
How long does onboarding take? +
Most banks are live within a few days. We configure the scanner for your CDR endpoint, PDF format, and website structure, then run a validation pass before going live. No engineering work is required on your side.
What happens when a mismatch is detected? +
An email alert is sent to the people you nominate — typically your product or operations team. The alert shows exactly which fields differ and across which channels. It's then up to your team to investigate and resolve. CDR.scanner tracks the mismatch in history until it clears.
What does the Enterprise plan include? +
Enterprise is designed for banks with multiple domains or brands, and teams that want to monitor staging or test environments before a production release. It's useful for catching CDR data issues in pre-production — before they reach your live public API. Contact us to discuss your setup.
How does pricing work? +
Pricing is set per bank based on the size of your product catalogue and which plan you choose. Plans are billed annually with a 30-day free trial. Book a call and we’ll send a tailored quote within 24 hours.

Ready to close the gap?

Book a 30-minute demo and see CDR.scanner running against a live bank's CDR API.

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