Argentina: BCRA and UIF tighten digital controls

More oversight on entities and data

The Central Bank of the Argentine Republic ordered Financial Summary No. 1695, identified as EX2024-00211078-GDEBCRA-GSENF#BCRA and filed as "Dique 4 SRL, ex agencia de cambio," under its supervisory powers over exchange entities, according to the Official Gazette published on August 11, 2026.

At the same time, the Financial Information Unit issued Resolution 93/2026, published on August 10, with a minimum framework for identifying, assessing, monitoring, managing and mitigating money laundering and terrorism financing risks. Under that scheme, the rule requires that computer-based records tied to transactions or operations be kept for 10 years, with assurance that digital information can still be read and processed in the future by reporting entities in the financial system.

Technical adjustments and regulatory scope

The resolution was also presented as an update to the regime applicable to Real Estate Property Registries. Specialized coverage said it adds a risk-based approach, with a prevention manual, code of conduct, compliance officer, annual training and monitoring software. It also keeps the 10-year retention period for documents and IT records.

Other analyses said the UIF removed a sworn statement it considered redundant and redefined systematic reporting of transactions. A general-interest outlet added that the framework tightens controls over property purchases, sales and donations, with monthly reports for transactions above 750 minimum wages and other acts linked to foreign countries, taking effect after 90 days and with the first reporting obligations starting in November 2026.

BCRA, communications and validations

The Central Bank also reported joint actions with the UIF to align good practices for anti-money laundering prevention, including periodic monitoring and the timely detection and handling of unusual activity in financial system transactions.

On the regulatory side, the Official Gazette published new BCRA Communications "A" in 2026. Among them is Communication "A" 8461, which introduces changes to the Monthly Accounting Information Regime, CONAU Circular 1-1731, linked to minimum capital requirements and integration, as well as adjustments in the market risk section, effective August 2026. A specific notice published in the Official Gazette on RUNOR Circular 1-1964 detailed adjustments to validation controls 12, 14 and 17 of Annex II, associated with the calculation of the market risk requirement.

Datafin said that communication is part of a package that also includes Communications "A" 8462 and 8464, aimed at updating the accounting information regime and the minimum capital requirement and integration framework. The outlet described a coordinated tightening of prudential supervision and reporting.

Added to that is the earlier Communication "A" 7370, cited by Yanapti SRL, which sets minimum requirements for management, implementation and control related to information technology for financial institutions. Among other points, it calls for reliable identity verification in preapproved loans through questionnaires, official documents or two-factor authentication, and for controls over recent changes in contact points to reduce banking fraud. Local media also reported that Communication "A" 6457 introduced security measures for the use of data communication networks and mobile devices in branches without teller windows, as well as conditions for offering additional services with physical safeguards in bank branches.