consumer data right. Similar rights exist in other countries. From our point of view the most important is example is Australia. Our rules look set to follow a similar model. Today Australia’s consumer data right covers banking. Soon it will cover power companies. Over time it will extend to other sectors. One sector at a time New Zealand plans a similar step-by-step approach. In banking a consumer data right means if you, say, found a cheaper mortgage at a rival bank, you could ask your existing bank to send them your records. This makes it easier to shop around for services.