CMF pone en consulta ajustes a la normativa del Registro de Deuda Consolidada para mejorar la información que reciben los deudores y la gestión de sus solicitudes

For compliance teams at reporting entities, the proposal is primarily an operating-model and conduct issue rather than a capital or prudential change. It introduces new information duties, streamlines reporting, and clarifies how credit advisers can join as reporters, while tightening how firms handle debtor requests for update, rectification, completion and cancellation. Firms should assess whether current data governance, request workflows, audit trails and consumer disclosures can meet the expected standards.

Credit advisers seeking reporter status need to review eligibility and onboarding controls. The consultation also creates an opportunity to improve data quality and reduce conduct and reputational risk through clearer debtor communications. Next steps: identify affected REDEC reporting flows, assign owners across compliance, operations and IT, assess gaps against Law No. 21,680, and prepare a consultation response before the four-week window closes.

Implementation is likely to be medium complexity; firms should plan for revised procedures and system changes once final rules are issued.