generated: '2026-07-20'
method: derived
source: >-
  openapi/qudos-bank-cds-banking-products-openapi.yml + live response inspection
  of https://public.cdr.qudosbank.com.au/cds-au/v1/banking/products
standard: Consumer Data Standards (AU) — CDR Banking
authentication:
  style: none (public PRD); FAPI 2.0 OAuth2/OIDC over mTLS for consumer data sharing
  ref: authentication/qudos-bank-authentication.yml
versioning:
  style: header
  request: [x-v, x-min-v]
  response: x-v
  ref: lifecycle/qudos-bank-lifecycle.yml
pagination:
  style: page-number
  params:
    page: 1-based page number
    page-size: records per page (default 25, max 1000 per CDS)
  response_fields:
    meta.totalRecords: total records across all pages
    meta.totalPages: total number of pages
    links.self: current page URL
    links.first: first page URL
    links.prev: previous page URL (omitted on first page)
    links.next: next page URL (omitted on last page)
    links.last: last page URL
  observed: 'meta={totalRecords: 17, totalPages: 9} at page-size=2; links.self/next/last present'
request_tracing:
  header: x-fapi-interaction-id
  behavior: >-
    Echoed on the response (a new UUID is generated when the client does not
    supply one). Observed on the live products response.
filtering:
  product-category: >-
    Optional query param on listBankingProducts to restrict to a CDS product
    category enum (e.g. TRANS_AND_SAVINGS_ACCOUNTS, TERM_DEPOSITS, CRED_AND_CHRG_CARDS,
    RESIDENTIAL_MORTGAGES, PERS_LOANS).
  effective: Optional query param to filter by product effective date window.
  updated-since: Optional query param to return only products changed since a timestamp.
idempotency:
  supported: false
  reason: Public PRD surface is read-only (GET); no state-changing operations, no idempotency key.
metadata:
  additionalInformation: >-
    Products carry an additionalInformation object of overview/eligibility/fees/terms
    URIs pointing back into www.qudosbank.com.au product pages.
error_envelope:
  shape: '{ errors: [ { code, title, detail, meta? } ] }'
  format: cds-response-error-list-v2
  ref: errors/qudos-bank-problem-types.yml
rate_limiting:
  signaled: false
  note: No rate-limit headers observed on the public PRD host.