- Created by Adam Pretlove, last modified by Praveen Ponnumony on Dec 02, 2020
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| Implement Open Data v2.2 | N/A | |
|---|---|---|
| Implement Read/Write API Specification v3.1 | Conformance certificates being explored. | |
| Implement Customer Experience Guidelines v1.1 | Conformance certificates being explored. | |
| Implement App-to-App Redirection | N/A | Browser based redirection only. |
| 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 |
| 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 |
| PRE-BREXIT - Certificates Accepted (until 31st Dec 2020) |
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| POST-BREXIT TRANSITION - Certificates Accepted (1st Jan 2021 - 30th Jun 2021) |
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| POST-BREXIT POST TRANSITION - Certificates Accepted (from 1st Jul 2021) |
| 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 | TBC | Scoping and planning in progress |
| TPP PSU Migration Outcomes Supported | TBC | Scoping and planning in progress |
| POST-BREXIT Certificate Implementation Status (updated by OBIE IES team) | PLANNED |
Directory? | Open Banking | ||
|---|---|---|---|
Location of Well Known Endpoints? | https://matls.rs.aspsp.api-hls.hl.co.uk/auth/oauth2/tpp/.well-known/openid-configuration | ||
API Standard Implemented? | Open Banking v3.1 | No plans for future versions at this stage | |
Name of Account Holder Implementation Date? | TBC | ||
| Date of Current eIDAS Implementation? | |||
| Current Certificates used for Identification? | OB Transport + ClientID (Private Key JWT) | ||
| Current Certificates used for Transport? | OB Transport | ||
| Current Certificates used for Signing? | OB Signing | ||
| Date of Future eIDAS Implementation? | Q2 2020 | ||
| Future Certificates used for Identification? | QWAC + ClientID (Private Key JWT) | ||
| Future Certificates used for Transport? | QWAC | ||
| Future Certificates used for Signing? | QSEAL | ||
Major Milestones | N/A | (Inc Other Products, API Updates, API Deprecations, etc) | |
| Brand(s) | |||
| Security Profile? | FAPI | ||
| Security Profile Certification? | No | New OpenID Foundation cert being explored. | |
CIBA | N/A | ||
| Using Open Banking as your eIDAS Trust Framework? | Yes | ||
| Are you caching the Directory? | No | ||
| Transaction IDs | Option 1 | Unique identifier for the transaction used within HL assigned to every transaction | |
Implementing Customer Experience Guidelines? | Yes | |
|---|---|---|
| Current CEG Version? | ||
| Next CEG Version? | ||
| Next Version Implementation Date | ||
Implementing Bespoke User Journeys? | No | |
Implementing App to App? | No | |
| App to App Implementation Date? | N/A | |
Options on 90 day re-authentication? | Re-authentication triggered as per the Customer experience guidelines | |
Support Embedded Flow? | No |
Dispute Management System? | Being adopted | |
|---|---|---|
| FCA Adjustment Period - Maintaining Screen Scraping? | Yes | During FCA adjustment period |
Seeking Fallback Exemption? | Yes | Confirmed |
Adjusted or Fallback Interface? | No | |
| Adjusted or Fallback URL? | n/a | |
| Contact Email or Phone Number? | openbanking@hl.co.uk | |
| Dev Portal URL? | https://www.hl.co.uk/about-us/developer-tools | |
Test Facility Implementation Date? | ||
| Production Interface Implementation Date? | ||
| Contingency Measures | 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:
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)? | N/A | |
Authentication Method - Private 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:
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. |
High Cost Credit | Hargreaves - HCC.xlsx |
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After Waiver 7 Expiry (16/06/20) option supported: Option 1 - The parameter b64 being set to FALSE OR Option 2 - The b64 claim not being in the header | HL do not provide payment initiation services - hence waiver 7 does not apply. |
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