How are IReF, BIRD and AI‑ready data standards going to change the way banks think about regulatory reporting

Overview

Regulatory reporting is entering a phase where three powerful trends are colliding: regulators are shifting to granular data models, supervisory expectations are becoming more continuous, and AI capabilities are moving from simple chatbots to agentic systems that can act across tools and datasets.

Event Announcement

RegTech Forum 2026 will take place on 6 October 2026 at Guildhall, City of London.

Updates on Regulatory Developments

1. The EBA's Response: The EBA responds to the European Commission’s consultation on EU banking sector competitiveness.
2. US Reg Roundtable: Includes the SEC and CFTC proposed amendments to Form PF to reduce reporting burdens.
3. Capital Framework Proposals: On March 19th, 2026, the federal banking agencies released three proposals to update the capital framework across banks of all sizes. These build out the final Basel III endgame for the largest firms while aiming to simplify rules and match capital more closely to actual risks.
4. Modernisation of Capital Framework: The Federal Reserve Board, FDIC and OCC jointly published proposals to modernise the regulatory capital framework.
5. Geopolitical Uncertainty: EU banking sector enters a period of geopolitical uncertainty from a position of strength.

Conclusion

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