Autorizan difusión de proyecto normativo que aprueba el Reglamento General del Sistema de Finanzas Abiertas, referente al Título V “Infraestructura Digital”, Título VI “Marco de Confianza” y Título VII “Estándares, Seguridad y Calidad”

Although this is a consultation-stage document and not yet final, it signals a material shift toward interoperable data sharing among financial-system participants. Compliance, technology and data teams should treat it as an early-warning requirement: map current APIs, consent and authentication models, data governance, cyber controls and third-party dependencies against the draft titles; identify gaps in trust-service participation, incident reporting and data-quality assurance; and prepare costed remediation plans before final rules emerge. Firms should also monitor the SBS consultation timetable, engage through industry bodies and assess readiness of partners and vendors.

Strategic opportunities include new data-driven products, embedded finance, improved credit decisioning and partnership models, but these depend on robust consent, privacy and operational-resilience controls. The rules are likely to affect banks, fintechs, payment firms, insurers and pension administrators, with smaller providers facing proportionately higher implementation burdens. RegCanary view: moderate urgency now, significant strategic impact once finalized.