# Newcastle Permanent Building Society

> Newcastle Permanent Building Society is a customer-owned Australian authorised deposit-taking institution (ADI), founded in 1903 and headquartered in Newcastle, NSW, and part of Newcastle Greater Mutual Group (NGM Group) since its 2023 merger with Greater Bank. As a Consumer Data Right (CDR) data holder it exposes a live, public, unauthenticated Product Reference Data (PRD) API conforming to the DSB Consumer Data Standards, alongside the "NPBS Innovation Sandbox and Marketplace" developer portal.

## APIs

- [CDR Product Reference Data API](https://developer.newcastlepermanent.com.au/): Public, unauthenticated CDR Product Reference Data — banking product catalogue (term deposits, savings, transaction accounts, home loans, credit cards) under /cds-au/v1/banking/products. Confirmed live, x-v 4, 41 products.

## Specs

- [OpenAPI (shared DSB CDR Banking API v1.36.0)](openapi/newcastle-permanent-cds-banking-products-openapi.yml)
- [OpenAPI Overlay (API Evangelist enhancements)](overlays/newcastle-permanent-cds-banking-products-overlay.yaml)

## Artifacts

- [Authentication profile](authentication/newcastle-permanent-authentication.yml): public PRD = none; CDR data sharing = OAuth2/OIDC/FAPI/mTLS (ADR-gated).
- [Conventions](conventions/newcastle-permanent-conventions.yml): x-v/x-min-v versioning headers, page/page-size pagination, x-fapi-interaction-id tracing.
- [Error catalog](errors/newcastle-permanent-problem-types.yml): CDS ResponseErrorListV2 envelope with error-code URNs.
- [Conformance](conformance/newcastle-permanent-conformance.yml): CDR PRD, Consumer Data Standards, OAuth2/OIDC/FAPI, standard pagination.
- [Lifecycle](lifecycle/newcastle-permanent-lifecycle.yml): per-endpoint x-v versioning, CDS obsolete-versions deprecation model.
- [Data model](data-model/newcastle-permanent-data-model.yml): BankingProduct aggregate and its features/constraints/fees/rates.
- [MCP server (candidate)](mcp/newcastle-permanent-mcp.yml): derived candidate tools for the public product operations.
- [Agent skill: browse products](skills/newcastle-permanent-browse-products.md)

## Docs

- [Developer portal — NPBS Innovation Sandbox and Marketplace](https://developer.newcastlepermanent.com.au/)
- [DSB Consumer Data Standards](https://consumerdatastandardsaustralia.github.io/standards/)
- [CDR Banking API reference — Get Products](https://consumerdatastandardsaustralia.github.io/standards/#cdr-banking-api_get-products)
- [Newcastle Permanent website](https://www.newcastlepermanent.com.au/)