The simplest way for NBLs to meet the CDR 13 July compliance obligation

For non-bank lenders (NBLs), CDR Tranche 1 compliance is no longer a future problem — it’s a hard deadline. If you are a non-bank lender with a loan book of over $1Billion AUD, you must be publishing CDR-compliant Product Reference Data (PRD) via public APIs by 13^th July 2026.

This first tranche is “product data only”, but that doesn’t mean it’s trivial. Your PRD must be:

• accurate and continuously up to date
• structured to evolving CDR schemas
• publicly accessible
• consistent with Product Disclosure Statements (PDS)

Errors are easy to spot, and the ACCC has made it clear that product data is not exempt from enforcement.

Why spreadsheets and manual processes won’t scale

If you're still managing product data through spreadsheets and ad-hoc internal workflows, CDR introduces real risk:

Once your PRD APIs are live, inconsistencies are not just visible to regulators, but to competitors, comparison tools, and fintech platforms consuming your data.

With Biza’s Product Manager - You can have a future proof solution that is ready in as little as one day

Product Manager is purpose-built to help you meet your CDR Product Reference Data Obligations, without heavy engineering effort. Key Capabilities include:

• self-service product data management via a simple web UI (no spreadsheets)
• Bulk rate updates across entire product types in a single action
• scheduling for future product launches and updates
• reusable fee, feature, and eligibility tables
• full audit trail for regulatory confidence
• multi-brand support from a single console

Product Manager is designed specifically for PRD - the Tranche 1 problem - so your product and marketing teams can own data quality whilst Product Manager handles CDR conformity.

Whilst other tools may offer a PRD solution, they can overcomplicate the process with add-ons organisations don’t really need. It is important to consider your long-term compliance.

If you want a complete CDR Data Holder solution, Product Manager seamlessly becomes part of Biza's Holder-as-a-Service (Haas) solution, which covers the Tranche 2 deadline requirements as well, meaning one partner to meet all of your CDR compliance obligations.

Whichever PRD tool you choose, your broader CDR foundation matters. Even if a lender opts to use another platform for PRD management, Biza remains best-in-market for the parts of the CDR that consistently cause the most complexity and risk, including:

• CDR Data Holder solutions for ongoing compliance
• full suite of CDR-compliant APIs
• verification and testing environments that de-risk delivery
• support across the full CDR lifecycle, beyond Tranche 1.

Take the first step today

Don’t let 13 July 2026 sneak up on you. Teams that start early reduce regulatory risk, avoid last-minute engineering effort, and enter the CDR ecosystem confidently, not reactively. Whether Product Manager is your PRD solution, or part of a broader toolset, now is the time to move.

If you want to understand the next steps to achieve full compliance as an NBL, book a time to discuss your requirements with us.