Live CDR monitoring

Rate changes happen.
Discrepancies shouldn't.

Automatically compare your live CDR API against your public website and fee schedules. Surface discrepancies internally so your team can resolve them fast.

Daily
automated scans
3
channels compared
CDR + PDF + Web
all in one view
ACCC
compliance focused
CDRscanner / Rates / ACME Bank
Live
Rates
Fees
URL Validation
CDR Explorer
History
12
Total
11
Match
1
Mismatch
0
Review
Variable Home Loan — Owner Occupied P&I
Product ID: a1b2c3d4 · scanned today at 16:00 AEST
CDR API
6.74%
PDF
6.74% ✓
Website
6.64% ↓
Mismatch detected
PDF Rate Schedule — matches CDR
ACME-RateSchedule-Mar2026.pdf
Page 3 / 8
ACME Bank
ACME FINANCIAL SERVICES PTY LTD · ABN 00 000 000 000
acmebank.com.au
Interest Rate Schedule
Effective date: 1 March 2026
Variable Rate Home Loans
Product Type Rate p.a. Comp. rate†
Variable Home Loan OO P&I
CDRscanner ✓
6.74%
6.91%
Variable Home Loan OO IO 7.09% 7.26%
Variable Home Loan INV P&I 7.14% 7.31%
† Comparison rate on $150,000 over 25 years. Rates subject to change without notice.
Website — mismatch found
acmebank.com.au/home-loans/rates
ACME Bank
Personal Business Home Loans
Apply now
Overview Interest Rates Calculator
Home › Home Loans › Interest Rates
Home Loan Interest Rates
Effective 1 March 2026. All rates per annum.
Variable
Fixed
Interest only
Variable Home Loan — Owner Occupied
P&I · LVR ≤ 80%
Interest rate
CDR = 6.74%
6.64%
Comp. rate*
6.91%
Get started
Variable Home Loan — Owner Occupied
IO · LVR ≤ 80%
Interest rate
7.09%
Comp. rate*
7.26%
Get started
Variable Home Loan — Investor
P&I · LVR ≤ 80%
Interest rate
7.14%
Comp. rate*
7.31%
Get started
*Comparison rate on $150,000 over 25 years. WARNING: True only for examples given.
Website shows 6.64% but CDR API and PDF both show 6.74%. Website may not have been updated after the last rate change. · acmebank.com.au/home-loans/rates
How it works
Three sources. One reconciliation.
CDRscanner pulls data from every channel your bank publishes rates through, then compares them field by field, every day.
01 — INGEST

Pull from every source

CDRscanner fetches live data from the CDR Open Banking API, scrapes your published PDF rate and fee schedules, and reads your public website product pages — all automatically, every day.

02 — RECONCILE

Field-by-field comparison

Every rate, fee, tier, and URL is compared across all three sources. Mismatches are flagged instantly with the exact values that differ — CDR vs PDF vs website, side by side.

03 — ALERT

Instant alerts, full history

Get notified by email the moment a mismatch is detected. Every scan is stored — giving you a timestamped audit trail of exactly when discrepancies appeared and were resolved.

Features
Everything your team needs to stay in sync.
Built for product and operations teams at Australian banks managing CDR data across multiple channels.

Rate reconciliation

Compare interest rates across your CDR API, PDF schedules, and public website daily. Mismatches surface instantly with exact values side by side.

Fee monitoring

Track 100+ fee fields per product. Catch copy-paste errors, wrong additionalValue formats, and overlapping tier ranges before they become an issue.

URL validation

Verify every overviewUri, feesAndPricingUri, and applicationUri resolves correctly and points to the right product page.

Mismatch history

Every scan is stored with a full timestamp. Review when a discrepancy first appeared, how long it persisted, and when it was resolved.

CDR Explorer

Browse raw CDR API responses for any product in your portfolio. Inspect the full payload your bank serves to accredited data recipients.

Email alerts

Get notified the moment a mismatch is detected. No dashboards to manually check — CDRscanner surfaces problems as they happen.

Data quality is an ongoing obligation, not a one-time setup.
The ACCC has confirmed that incorrect interest rates in CDR data are an active enforcement focus. CDRscanner helps your team stay on top of it — by finding discrepancies internally, so you can fix them before they become a problem.
CDR Standards — Data Quality (non-functional requirement)"Data Holders MUST ensure that data provided through the CDR APIs is accurate, complete and up to date to the extent possible given the underlying systems and processes."
CDR Rules, Rule 2.4(3)"Data disclosed by this service must contain any information that is included on a website or in a product disclosure statement." — i.e. your CDR data must match your website and PDFs.
ACCC Compliance Review, September 2024"The provision of incorrect interest rates… remains one of our priority and focus areas for CDR compliance activity." CDRscanner monitors exactly this.
Pricing
Simple, flat-rate plans.
No per-seat pricing, no hidden fees. One flat monthly rate per bank.
Essentials
$500/month
Single domain. CDR API vs PDF comparison. Email alerts. No dashboard.
  • ✓Single domain
  • ✓CDR API + PDF rate & fee comparison
  • ✓Daily automated scans
  • ✓Email alerts on mismatch
Most popular
Full suite
$900/month
All channels. Full dashboard. History and audit log.
  • ✓CDR API + PDF + website comparison
  • ✓All product categories
  • ✓Daily automated scans
  • ✓Live dashboard with mismatch history
  • ✓CDR Explorer raw data view
  • ✓URL validation monitoring
Enterprise
Custom
Multiple domains or brands. Test environment monitoring.
  • ✓Multiple domains / brands
  • ✓Monitor test environments pre-production
  • ✓Custom scan frequency
  • ✓Dedicated support
  • ✓White-label option
FAQ
Common questions.
What is CDRscanner actually for? +
CDRscanner is a hosted data quality assurance service for product and operations teams. It compares your CDR API, PDF rate schedules, and public website daily and surfaces any discrepancies so your team can identify and resolve them quickly. We do not share or disclose monitoring results to the ACCC, OAIC, or any other regulatory body — all results are for your team's use only.
How does CDRscanner access our CDR API? +
CDRscanner reads only your public CDR product reference data — the same /banking/products endpoint visible to anyone. No accreditation, customer data access, or integration with your internal systems is required.
How long does onboarding take? +
Most banks are live within a few days. We configure the scanner for your CDR endpoint, PDF format, and website structure, then run a validation pass before going live. No engineering work is required on your side.
What happens when a mismatch is detected? +
An email alert is sent to the people you nominate — typically your product or operations team. The alert shows exactly which fields differ and across which channels. It's then up to your team to investigate and resolve. CDRscanner tracks the mismatch in history until it clears.
What does the Enterprise plan include? +
Enterprise is designed for banks with multiple domains or brands, and teams that want to monitor staging or test environments before a production release. It's useful for catching CDR data issues in pre-production — before they reach your live public API. Contact us to discuss your setup.
Is there a minimum contract term? +
Plans are billed monthly with no lock-in. You can cancel at any time.

Stop auditing manually.
Let the scanner do it.

Book a 30-minute demo and see CDRscanner running against a live bank's CDR API.

Privacy Terms Contact
CDRscanner is a product of Tunny Cloud Services Pty Ltd
ABN 66 686 664 273  ·  hello@tunny.io