Argentina's BCRA updates reporting

The Central Bank of the Argentine Republic published several communications and an institutional note between August 11 and 14, 2026, affecting financial institutions and payment service providers that offer payment accounts. The measures cover reporting rules, payment operations, technology security, and anti-money laundering and counterterrorism financing guidance.

What changed in the reporting regime?

Communication "C" 102121/2026, published in the Official Gazette on August 11, 2026, is linked to Communication "A" 8434 and to the corresponding reporting regime. According to the Official Gazette and Kori's technical summary, it updates the regime and requirement codes for the instant intra-institution transfer reporting regime, known as R.I. T.I.I., and applies to financial institutions and payment service providers that offer payment accounts.

That same day, the Official Gazette also published a BCRA communication related to Communication "A" 8451, which replaces a page in Section 23, "Submission of information to the Central Bank," to correct a formal adjustment in the table included in annex VI of those instructions. The measure is aimed at financial institutions and other parties required to report information to the BCRA.

What was updated in payments and clearing?

Communication "A" 8438/2026, published on August 13, 2026, amends Circular SINAP 1-248 on the National Payments System, checks, and other compensable instruments. According to the Official Gazette and the secondary coverage cited in the material, the rule updates aspects of the system and affects the electronic processing of checks and other compensable instruments, as well as compliance requirements for participating entities.

What compliance line did the BCRA mark out with the UIF?

On August 14, 2026, the BCRA issued an institutional note on joint actions with the Financial Information Unit to align best practices. The official text cites the "Customer of the Customer" guide as a core element and proposes periodic monitoring with timely detection and handling of unusual activity, as part of stronger supervision and compliance with anti-money laundering and counterterrorism financing obligations by financial institutions.

What background adds context on security and technology?

The material also includes references to two earlier BCRA communications that help frame the regulatory agenda. On one hand, Yanapti SRL says Communication "A" 7370 established minimum requirements for management, deployment, and controls tied to information technology for financial institutions, including the obligation to reliably verify user identity in preapproved loans through validation questionnaires, official documents, or two-factor authentication mechanisms, and to explicitly notify the customer of loan approval and credit posting.

On the other hand, Primera Fuente reported on Communication "A" 6457, which introduced new security measures for financial institutions and authorized the use of mobile phones and data communication networks in branches without human cashiers, with mobile devices and meeting spaces, under operational and physical security guidelines.

Taken together, the BCRA's publications over those days show simultaneous adjustments in regulatory reporting, clearing payments, technology controls, and AML coordination with the UIF.