The banks with the most to lose from any roll out of an open banking regime in Australia are campaigning to set a framework likely to hinder and delay any transition to toward this fashion in finance.Squabbles over the product sets covered by any open banking regime - and above all the charges that the banks that hold customer data may levy - look like the top themes, based on 30 odd submissions to the Treasury consultation.The pros and cons of charging consumers for making requests of their bank for this data also rumbles through some of the commentary.Data providers "should be able to charge a fee to access this data, as part of a cost recovery model," National Australia Bank said."It is not commercially sustainable or equitable in the long term for the entire cost of implementing an open banking regime to be borne by the incumbent banking sector."This cost, NAB said, "could be agreed by the industry, with appropriate regulatory approval, to ensure it was standard across the sector and that customers were not charged different amounts to receive the same type of information from different financial institutions."Open banking "should … allowing data transferors to charge data recipients for the data," ANZ wrote in its submission.The Australian Bankers Association called for "a model that permits reasonable charges for the data accessed to recover costs of accreditation and to maintain investment incentives in technologies and data collection."Commonwealth Bank summarised its research into costs incurred by large banks in Britain for an open data regime at ranging from £150 million to £300 million.CBA said its own inquiries "suggest that market participants have increased headcount significantly, in some cases by more than 150 full time resources, in order to meet the demands of an open banking regime."It added that "the cost to government is also material - the published annual operating budget of the UK government's Implementation Entity has been set at GBP 70 million."Regional Australia Bank, a mutual bank based in northern NSW, aired some guesstimates on costs for ADIs likely to be net recipients of data from big banks."Broad indications are that technology costs could be in the region of A$250,000 per annum to implement and manage an open banking solution for an institution that is perhaps $1 to $5 billion in asset size. "Ongoing costs may be slightly lower once the open banking regime is bedded down although much of it will be associated with recurring subscription charges for infrastructure and platform licencing. "An additional up-front investment, perhaps in the region of $75,000 would be required to research and implement necessary internal processes, procedures, compliance and other legislative obligations," the bank said.