needed a cheat sheet for what data is mandatory to share and what is voluntary for next stage of CDR roll-out (Feb to Jul 2020). The CDR will have a positive impact on consumer choice, but it will take time to get to full coverage. In the meantime, many reputable businesses use alternate data collection methods to deliver unique, secure and compelling services to their customers. As Australia builds a fully functioning CDR let's not penalise the early innovators.