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title: "Data Holders and Accredited Data Recipients"
canonical: "https://supportfrollo.refined.site/space/FB/3228435018/Data%20Holders%20and%20Accredited%20Data%20Recipients"
format: markdown
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#### **What is a Data Holder and an Accredited Data Recipient? **

There are two main types of businesses in the[ ](https://www.cdr.gov.au/)CDR system: **Data Holders **and **Accredited Data Recipients (ADR)**.

A **Data Holder** is a business that currently holds a consumers’ data – for example, a bank. Consumers can direct registered **Data Holders** to make their data available to** **an **ADR**.

An **ADR** is a business that has been accredited by the **Australian Competition and Consumer Commission (ACCC)** to receive consumer data from a **Data Holder** – only after the consumer has given their consent. The **ADR** then uses that data for the purpose requested. For example, to conduct a product comparison through a mobile app.

**NextGen** is an** ADR** under the CDR system. We gained this accreditation by meeting the strict criteria set out by the **ACCC**.

You can find the list of registered **Data Holders** on the government’s CDR website: [https://www.cdr.gov.au/find-a-provider](https://www.cdr.gov.au/find-a-provider)

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#### **What is the Data Holder coverage in Australia?**

As of March 2023, there are 114 active **data holder brands**: [https://www.cdr.gov.au/for-providers](https://www.cdr.gov.au/for-providers)

Those which are not yet available for Accredited Data Recipients to connect to are mostly banks who have exemptions and will go live at a later date (as mandated by the Australian Government).

**99.28%** of consumer data is covered by the **Consumer Data Right**.

For the banking sector, a **Data Holder **includes a person who is an **Authorised Deposit-taking Institution (ADI)**. 

**Data Holder** (ADI) API reliability is near 100%*; the industry average response time is about 1 second.

*Performance data based on 41+ million Open Banking API calls made through the Frollo CDR gateway as of September 2022.