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[Music] the consumer data right gives consumers the right to share their data with accredited data recipients or adrs who can provide services with that data for example they may share information about their bank accounts and transactions or their energy or telecommunication plans this information is typically held by a company or other institution in the cdr this institution is called a data holder or dh when a consumer wishes to use the services of an adr they consent to sharing their information with the adr [Music] the adr asks the consumer to give consent or data to be shared the consumer gives consent the adr requests access to data from the dh the dh asks the consumer to authenticate the consumer authenticates with a one-time password the dh requests the consumer to authorize sharing data with the adr the consumer authorizes data sharing the dh shares the data with the adr the adr can now provide the consumer with services using the data an adr cannot infer consent or rely on a