Reporting debt is different from checking it
REDEC does not require consent to report information to the CMF. But every debt inquiry requires prior, valid, traceable consent.
REDEC
Use the Consolidated Debt Register with consent and data subject rights under control
Comply with Law 21.680 and NCG 540 by managing consent and rights with auditable evidence for every operation assessing borrowers' commercial and credit risk.
Trusted by privacy leaders
REDEC changes how consolidated debt information can be used.
Organizations must demonstrate how, when, and why they access consolidated debt information.
Debt inquiries without evidence breach the rules
REDEC requires verifiable evidence of consent before every inquiry. Without traceability, compliance cannot be demonstrated.
You must uphold data subject rights
Requests to update, rectify, supplement, and cancel data must be managed with deadlines, traceability, and auditable records. The CMF will monitor compliance.
Inspections look at what you actually do
Written policies alone are not enough. Every operation must be backed by auditable, exportable records.
What separates a prepared organization from an unprepared one
| Aspecto | Traditional management | With Soyio |
|---|---|---|
| Consent | PDFs unlinked to inquiries | Traceable, auditable, and linked to every operation |
| Records | Scattered across multiple systems | Centralized and unified |
| Reports | Manual and error-prone | Automated to meet regulations |
| Consent withdrawals | No effective control over consent withdrawals | Complete lifecycle management |
| Data subject requests | Requests sent to generic support channels | Dedicated inquiry portal |
| Auditing | Only in response to inspections | Proactive in real time |
We are fully aligned and prepared for the new Data Protection Law 21.719.
Compliance you can demonstrate
Soyio records every action with verifiable, audit-ready evidence
Full traceability
Every action records who did what, when, and in what context. The history cannot be altered and is available for audits and regulatory inspections.
One-click auditing
Find any operation, consent record, or data subject request by person, date, or type.
Reports in regulatory formats
Generate reports in the formats required by the CMF and other authorities.
Real-time consent withdrawal
When someone withdraws consent, the system updates immediately so your integrations can avoid further debt inquiries that could breach regulations
Manage REDEC compliance in one place
Bring consent and data subject requests together, with auditable evidence to support compliance.
Consent management
Granular, revocable, traceable consent aligned with the CMF's regulatory requirements.
Debt inquiries backed by evidence
Every inquiry is recorded with its prior consent, timestamp, and associated purpose. Full traceability.
Data subject rights
A straightforward portal where borrowers can exercise their rights and track every step. Manage requests, monitor regulatory deadlines, and maintain the daily records required by the CMF.
Regulatory reports
REDEC requires multiple reports at different intervals: weekly, daily, and monthly. With Soyio, you can generate RDC30 and RDC40 reports automatically and without errors.
Designed for organizations that assess risk
Banks
Financial institutions with high volumes of REDEC inquiries and ongoing supervision.
Cooperatives
Savings and credit cooperatives that must meet the same regulatory standards.
Fintech
Financial technology companies that provide credit advisory services and check consolidated debt as part of loan origination.
Teams leading implementation
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