CAP-131 — Inbound CDR data retrieval for account migration

Category	Onboarding & access
Business goal	BG-014
Satisfying module	MOD-084 Inbound CDR data retrieval
Mode	AUTO
BD owner	BD01 Customer
Human needed	No

Enables the bank to act as a CDR Data Recipient — with customer consent, retrieving their accounts, transaction history, payee list, scheduled payments, and direct debit authorities from their existing bank via the CDR API, and pre-populating the account migration workflow to minimise manual re-entry. Consent is captured and scoped explicitly before any retrieval occurs. Retrieved data is used only for migration pre-fill and deleted once the migration workflow is complete. This is ADR-037 Phase 2 — active only when the customer's current bank is a CDR Data Holder. Coverage in AU is broad; in NZ it is partial and improving. See ADR-037 for the market readiness assessment criteria.