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Regnology Reporting Hub
A comprehensive, cloud-native regulatory reporting hub designed to streamline the entire reporting lifecycle – from data ingestion to reporting submission.
Navigating the global shift to data-centric compliance
In a push for greater transparency and enhanced data governance, regulators are changing the rules of supervision, shifting the focus from static, form-based reports to a shared, reusable data layer. This paradigm shift is known as Granular Data Reporting (GDR). Under this model, firms submit position- or element-level records once, and supervisors then assemble the required views and metrics themselves. The payoff is tangible: fewer duplicative templates, lower change costs, and a move toward the continuous, data-driven oversight that authorities are demanding as they modernize their own rulebooks and technology.
This move from a report-centric to a data-centric model requires that financial concepts be broken down into their most fundamental attributes. For instance, instead of submitting a pre-calculated “Total Loan Value,” an institution must now submit a detailed record for each loan, including all associated attributes, such as the loan ID, amount, currency, and collateral type. This is what empowers supervisors to analyze risk from the ground up, creating a true "collect once, analyze many times" model.
Regulators and supervisors worldwide are coordinating this move toward data-driven supervision. While timelines vary, the direction is clear. From the ECB's IReF project to APRA's data modernization, here is how leading regulators are implementing granular reporting.
Europe, the United Kingdom, and the Middle East
| Supervisor / Jurisdiction | Initiative | Summary & key elements of focus | Timeline / Status |
|---|---|---|---|
| ECB / Europe | IReF | A landmark project to harmonize statistical reporting (BSI, MIR, SHS) into a single, granular framework for the Eurozone. | 2029 Go-live |
| ECB / Europe | AnaCredit | A live dataset of granular, loan-level credit data from financial institutions. | Live |
| ECB + Banks / Europe | BIRD | A collaborative project providing a standardized data dictionary and transformation rules to map bank data to regulatory models. | Ongoing |
| ECB + NSAs / Europe | Single Supervisory Mechanism (SSM) | Once a year, all significant institutions are requested to submit their filled-in SSM liquidity template during the course of five consecutive days. It is a forward-looking, risk-based approach and is designed to ensure the sector’s resilience amid heightened geopolitical, macro financial, and technological uncertainties. | Live |
| EBA / Europe | Pillar 3 Data Hub (P3DH) | Centralizes public prudential disclosures in a machine-readable format to enhance market discipline. | Launched 2024 |
| EBA | Resolution planning framework reporting | Resolution authorities gather data on resolution plans, including granular liability data. | Launched 2025 |
| BoE PRA / UK | Future of Banking Data (FBD) | A BoE/FCA initiative to re-engineer data collection based on the "collect once, use many times" principle. | Ongoing |
| SRB / Europe | MBDT |
The Minimum Bail-in Data Template (MBDT) provides a standard data point model, integrating country-specific data points relevant for the National Resolution Authorities (NRAs) when implementing bail-in at the national level. The MBDT has been designed to facilitate the execution of the bail-in tool in the event of a crisis or for testing exercises during the resolution planning phase. |
Live |
| SRB / Europe | EoVC | The SRB’s Expectations on Valuation Capabilities (EoVC) aims to enhance banks’ capabilities to support the performance of timely and robust valuations. It covers the need for regularly updated data repositories for resolution (DRR), introduces the concept of the valuation data index (VDI), including unstructured data and an enhanced valuation dataset (VDS), and outlines expectations for valuation playbooks. | Ongoing |
| SNB + FINMA / Switzerland | Einzelkrediterhebung (EKE) | The EKE (Individual Credit Data Collection) is a draft framework for collecting granular credit exposure data. | Draft. Phased rollout from 2027 |
| Danmarks Nationlbank / Denmark | MIKI | A live framework for collecting granular credit and deposit microdata. | Live |
| Finland | Positive Credit Register | A comprehensive register of granular consumer loan data to combat over-indebtedness. | Live |
| Banque National Bank / Belgium | BECRIS 2.0 | A modernization of the national credit register, requiring detailed, attribute-level credit reporting. | Live |
| Banco de Portugal / Portugal | Central Credit Register (CRC) | Granular information on credit granted by financial institutions to both individuals and legal entities in Portugal. | Live |
| Banco de Espana / Spain | CIRBE | The Bank of Spain's credit risk register is a reporting requirement for financial institutions in Spain. to collect and centralize information on credit risks | Live |
| The Central Bank, United Arab Emirates | Digital transformation program | CB UAE’s digital transformation program aims at a major upgrade to the central bank’s data management. The evolving reporting requirements demand granular data points paving way for a granular data submission roadmap. | Upcoming |
What is Granular Data Reporting (GDR)?
Granular Data Reporting (GDR) is a modern approach to regulatory supervision where financial institutions submit detailed, transaction-level data directly to regulators. This shifts the model from submitting static, pre-calculated reports to providing a reusable data layer. By receiving contract-level data, supervisors can perform their own analysis, enabling a more flexible, in-depth understanding of risk.
Granular Data Reporting: An evolving framework for regulatory supervision
ASia-pacific
| Supervisor / Jurisdiction | Initiative | Summary & key elements of focus | Timeline / Status |
|---|---|---|---|
| HKMA / Hong Kong | Granular Data Reporting (GDR) and Common Submission Platform (CSP) | Having successfully implemented four GDR reports and a modern submission platform, the next phase involves expanding coverage to a broader range of asset classes with a phased roadmap to sunset survey and other returns. | Ongoing |
| BNP / Philippines | COCREE 2.0 | BSP issued guidelines for enhanced COCREE 2.0, requiring all banks to report granular credit exposure & equity data via the regulator's machine-readable API. Non-compliance would lead to strict actions, including penalties for the entities. | Live |
| MAS / Singapore |
(Data Collection Gateway & MAS-Tx) |
The evolution of MAS 610, MAS 637, Top Borrower reporting and other frameworks demands more granular, machine-readable reporting. |
Live |
| APRA / Australia | APRA Connect |
APRA introduced the table-based Basel reports as part of the strategic migration to a modern platform designed to handle element-based data submissions & seeking more granularity. However, the initial granular data collection reforms under comprehensive data collection (CDC) are kept on hold. |
Phased till 2027 |
| BoT / Thailand | Regulatory Data Transformation (RDT) |
Phase 1 for the Thailand GDR initiative to collect detailed data for Credit and loans. The project is implemented successfully with API submission to the Bank of Thailand( BoT). |
Live |
| Indonesia | PSAK 74 (Islamic FIs) | Introduces a modified Expected Credit Loss (ECL) model requiring granular data for impairment recognition. | Live |
| India | Element Based Reporting | A forward-looking framework aiming for "atomic" attribute-level submissions, one of the deepest pushes into granularity In India, a starting point for GDR. | Upcoming |
| Malaysia | Statistical Reporting and Data Management (STREAM) | Bank Negara Malaysia's Project STREAM is a major overhaul of its reporting framework, shifting from aggregated forms to granular, transaction-level data submissions. This "Collect Once, Use Many" model requires banks to provide a single, detailed data dump for centralized analysis by the regulator. | Upcoming |
| China | YI Biao Tong System (YBT) | YBT is a large and unified regulatory data standard and the new trend of NFRA regulation. It is expected to gradually replace NFRA EAST and part of 1104 |
Phased roll out (June 2026 - December 2027) |
United States, Canada and Latim America
| Jurisdiction | Initiative | Summary & key elements of focus | Timeline / Status |
|---|---|---|---|
| Canada | Data Collection Modernization (DCM) | OSFI initiative to standardize supervisory data through metadata-rich submissions on a new platform. | Ongoing (May 2023 to April 2028) |
| United States | FRY-14 Series | Regulatory reports used to assess the capital adequacy and financial health of the largest financial institutions - purpose/use stress testing, risk monitoring, and capital planning. | Live |
| United States | FR 2052a | Collects quantitative information on select assets, liabilities, funding activities, and contingent liabilities of certain banking organizations, allowing regulators to monitor liquidity risk. | Live |
| United States | Recordkeeping for Timely Deposit Insurance Determination (FDIC Part 370) | Calculate the insured and uninsured amount in each deposit account, which would be used by the FDIC to make deposit insurance determinations in the event of the institution’s failure. | Conducting market analysis |
| United States | Shared National Credits (SNC) | Requirements for loans or commitments shared by three or more unaffiliated, federally supervised institutions. | Conducting market analysis |
| Columbia | Digital Supervision Model | SFC initiative to create structured supervisory datasets. | In development |
| Brazil | SCR (Credit Info System) | A comprehensive system for collecting loan-level credit data. | Live |
This global wave is built upon a shared set of technical frameworks and principles:
The shift to Granular Data Reporting is a point of no return. The challenge for CFOs, CDOs, and regulatory leaders is moving beyond fragmented legacy systems and manual processes, which are ill-equipped to handle the volume and complexity of granular data.
However, this regulatory-driven mandate is also a strategic opportunity. It forces the creation of a unified, high-quality data asset that can drive value far beyond compliance, transforming everything from risk management and strategic planning to business intelligence and product innovation.
Successfully navigating the granular data transition means breaking free from fragmented legacy systems. Regnology Reporting Hub, with the Regnology Granular Data Model (RGD) at its core, is designed to do exactly that.
By establishing a single, harmonized data foundation, it enables a true "map once, report many" strategy. For our clients, the result is predictable compliance, a lower total cost of ownership, and far less risk associated with regulatory change.
A comprehensive, cloud-native regulatory reporting hub designed to streamline the entire reporting lifecycle – from data ingestion to reporting submission.
A single, integrated foundation for global prudential, statistical, and ad-hoc reporting across all financial instruments.
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