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Open Data API Specifications v2.2.1

Open Data API Specifications v2.2.1

Jun 06, 2018

Release Note

This release note explains what's new in the Open Data API Specifications v2.2.1. 

Key Changes

This release has enhancements to the v2.2 specifications for PCA and BCA  to allow back book product to be published on the Open Data API. This release note should be read in conjunction with Release 2.2. 

This release note explains what's new in the Open Data API Specifications v2.2.0

Key Changes

This is a minor release that fixes known defects in v2.1.1 as well as containing enhancements to the specification. In addition we have reformatted and amended the documentation for added clarity.

Enhancements

  • IncrementalBorrowingAmount added to OverdraftFeeChargeDetail section in the PCA specification to allow Lloyds Banking Group to accurately represent new overdraft pricing.

  • Minimum arranged overdraft  amount added to both  PCA and BCA specifications.

  • The Fee and Charges cap can now be linked to any Fee Type.

  • Academic Term has been added to the period code list.

  • Sort Code added to Branch Locator.

  • Renamed the FeeMinMaxType field to MinMaxType.

Fixes

  • Regular expressions (Regex) that are required to constrain values entered into fields to a certain pattern are now both in the data dictionary as well as the swagger. 

  • All Notes fields have a consistent cardinality 0..*

  • The OverdraftFeeApplicableRange section was a modelling error and has been removed from the PCA design.

  • Previously, the Max256Type datatype was not correctly generated in the Swagger files. This has now been fixed.

  • We have improved the way mandatory field restrictions are generated by the swagger generation script.

  • Missing fee category codes have been added.

  • Base path corrected to /open-banking/vX.y

Documentation

  • Examples of how to implement overdraft pricing for  known pricing models has been added to PCA Message Implementation Guide (MIG).

  • MIGs have been converted from PowerPoint to a Confluence & web-friendly format.

  • Description of the "Buffer Amount" field has been clarified and an example as to how to implement this added to the PCA Message Implementation Guide (MIG).

  • Description of the "TierBandMethod" field in the CreditInterest section was incorrect. This has been changed to "The methodology of how credit interest is paid/applied".

  • Replaced Message Implementation Guides with Usage Examples in JSON Request and Response format.

Note that ASPSPs that support back book products via the direct model (using the Account Information API) should implement v2.2 of the Open Data API.

Enhancements

The main changes are to make some mandatory fields/section conditional optional.

  • Key sections which have been made conditional optional are:

    • CoreProduct

    • Eligibility

    • Features and Benefits and

    • Other Fees & Charges 

  • MinimumArrangedOverdraftAmount field will be applicable for both Back Book and OnSale products. 

Documentation

  • How to publish back book products has been added to PCA/BCA example section

  • Examples have been converted from PowerPoint to a Confluence & web-friendly format

  • CodeList: A new column "ApplicableTo" have been introduced in the CodeList XLS. ApplicableTo column will have "OnSale", "BackBook" and "Both" values. This is to clearly identify which enumeration are strictly applicable to OnSale or Back Products

  • New constraints rules (i.e conditional rules) have been introduced in both PCA/BCA Specifications. These constraints will help Banks to identify which fields/sections are conditionally mandatory for OnSale Products and which are not. 

Specifications