These guidelines provide examples for how to implement requirements related to changing disclosure options for joint accounts.

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Overview

Data holders must provide joint account holders with a disclosure option management service. This service must allow joint account holders to:

change the joint account to a more restrictive disclosure option;
propose a change on a joint account to a less restrictive disclosure option; and
respond to the proposal to change to a less restrictive disclosure option

Consent Management is the final stage of The Consent Model. This is a high level example of the relationship between Consent Management and Account permissions.

The guidelines in this section focus on changing to a non-disclosure option in accordance with rule 4A.7, and obtaining agreement on change to a less restrictive disclosure option with accordance to rule 4A.8.

For further guidance, see ACCC's Revised joint account implementation guidance.

Wireframes and guidelines

Note: The wireframes shown are examples of how to implement key rules, standards, and guidelines. Use the on-screen functions to adjust zoom level or expand the wireframes to be viewed at full screen.

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Change to a non-disclosure option

The following wireframes show an example of changing a disclosure option to a more restrictive option. In this example, account holder A (AH-A) changes the disclosure option from pre-approval option to non-disclosure option.

https://embed.figma.com/design/9nOU7myRwrl9p998NZxewU/5CM3.-Joint-account-disclosure-option-management-service-v1.35.0.2025.09.26?node-id=378-34776&embed-host=notion&footer=false&theme=system

See key requirements and guidelines