LIXILIXI
The Lending Industry XML Initiative

LIXI™ @ Work

Working Group update

The Backchannel WG has, since mid-October 2003, been considering a proposal that would change the way that backchannel message content is carried in the backchannel message. Discussion of this issue has produced a proposal which would result in a backwards incompatibility which, while relatively minor in nature, would have required the approval of all members before being included in the messagebatch.dtd. In the meantime, a number of members have requested further changes to the messagebatch.dtd to deal with issues and requirements including:

  1. the way in which the sender and recipient of the message are identified;
  2. the way in which status information is conveyed;
  3. the desire to define the message more strictly in order to reduce the possibility for inconsistent usage of the standard by different parties;
  4. the use of the backchannel to exchange information about applications that were not submitted electronically using CAL;
  5. the use of the backchannel to convey approval conditions.

This is merely a summary of the issues raised. Please refer to Backchannel Discussion if you would like to see the detailed discussion threads.

Given the scope of change that is now being proposed and the fact that some of the issues raised overlap with issues that are currently being considered for CAL 1.3 by the Vocabulary WG (eg. the capture of status information), it is essential that the Backchannel WG document the business requirements which are driving the proposed changes, before determining how this is to be achieved technically. The main sponsors of the changes, Erik Fenna of AFG and Guy Gregson of ANZ, have kindly agreed to prepare a requirements document. Once this document is complete it will be posted to the Backchannel Discussion group so that all members can consider and post their comments on it. Following this, a meeting of the Backchannel WG will be held. That meeting will consider the proposed changes and, if the requirements can be agreed, allocate responsibility for drafting the necessary changes to the messagebatch.dtd.

Members will have at least one week to digest and comment on the requirements document before the next meeting of the Backchannel WG is held.
All LIXI full members are encouraged to get involved in this process, as the backchannel is assuming growing importance to all interactions in the lending process, not just those between Lenders and Brokers. If you have any requirements that you would like to see reflected in the next version of the backchannel, do not wait until the requirements document comes out. Post them to Backchannel Discussion so that they can be included in the requirements document. Even better, volunteer to write a section that can be included in the requirements document. I would be more than happy to assist or guide anyone who wishes to do so, and to make sure that this work makes its way into the requirements document.

Mike Thanos
LIXI Technical Sub-committee


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