Implement OB Security Profile Implementer's Draft v1.1.2
Implement FAPI Profile Implementers Draft 2
Implement CIBA Profile Implementers Draft 1
N/A
Implement Dynamic Client Registration v1.1
N/A
Implement Dynamic Client Registration v3.1
Conformance certificates being explored.
Decommission Read/Write API Specification v1.x/2.x
N/A
Decommission OB Security Profile Implementer's Draft v1.x
N/A
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Method of Identification
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ID-Production
Commence support for eIDAS QWAC certificates
Commence support for eIDAS QSEAL certificates
Commence support for OBIE QWAC-like certificates
Commence support for OBIE QSEAL-like certificates
Cease support for OBIE non eIDAS-like certificates for transport
No Plans
We will continue to accept the OB Certificate at the end of the adjustment period in March provided the TPP has identified itself to OBIE using an eIDAS certificate
Cease support for OBIE non eIDAS-like certificates for signing
No Plans
We will continue to accept the OB Certificate at the end of the adjustment period in March provided the TPP has identified itself to OBIE using an eIDAS certificate
Support for MTLS token endpoint authentication
N/A
Only supporting private_key_jwt
Support for private_key_jwt token endpoint authentication
Cease support for client id and client secret token endpoint authentication
N/A
Only supporting private_key_jwt
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Post Brexit Certificate Implementation
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Standards-Production
PRE-BREXIT - Certificates Accepted (until 31st Dec 2020)
eIDAS QWAC
eIDAS QSealC
OB legacy (obtransport, obsigning)
OBWAC
OBSeal
Other (Please define)
POST-BREXIT TRANSITION - Certificates Accepted (1st Jan 2021 - 30th Jun 2021)
eIDAS QWAC
eIDAS QSealC
OB legacy (obtransport, obsigning)
OBWAC
OBSeal
Other (Please define)
POST-BREXIT POST TRANSITION - Certificates Accepted (from 1st Jul 2021)
eIDAS QWAC
eIDAS QSealC
OB legacy (obtransport, obsigning)
OBWAC
OBSeal
Other (Please define)
The capability to accept eIDAS certificates is under review and may come into scope at a later date.
Planned Implementation Date to Satisfy FCA's Post Transition
Following the FCA Adjustment Period announcement, SCA has not yet been applied on the bank’s primary online channel / customer interface, and access remains available via screen-scraping. As access is still available through the customer interface, no contingency mechanism is required.
Article 10 - Maximum time period after authentication?
90 days
Article 10 - Endpoints exempt of SCA
Accounts, Balances, Transactions, Products
Authentication Method - Open Banking Channel (Browser)?
When the PSU’s browser reaches the HL web page for authentication they undergo the same authentication process they would coming to HL page directly, namely two steps consisting of:
Identification of the client through validation of a client number and Date of Birth:
Authentication of the client through validation of a online password and secure number
When the RTS come in force in September this will be supplemented, in line with direct client log in, with the validation of a One Time Passcode (OTP) that would have been issued to a clients registered telephone number by SMS or Call Back.
Hybrid flow as described within the Security Implementer guide v1.1.2, with redirect via browser
Authentication Method - Open Banking Channel (APP)?
When the PSU’s browser reaches the HL web page for authentication they undergo the same authentication process they would coming to HL page directly, namely two steps consisting of:
Identification of the client through validation of a client number and Date of Birth:
Authentication of the client through validation of a online password and secure number
When the RTS come in force in September this will be supplemented, in line with direct client log in, with the validation of a One Time Passcode (OTP) that would have been issued to a clients registered telephone number by SMS or Call Back.
Hybrid flow as described within the Security Implementer guide v1.1.2, with redirect via browser
Authentication Method - Private Channel (APP)?
TBC
Authentication Method Implementation Date (Open Banking Channel)?
Proposed
Authentication Method Implementation Date (Private Channel)?
Existing
SCA Implementation Date?
Provisional date depending on developments during the FCA transition period.
SCA Scope? (will it inhibit non PSD2 accounts)
SCA only offered for PSD2 Account and HLSL clients who are linked to SCA accounts.