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In forceBanks and other lendersLast checked 13 November 2026

Credit portfolio data module (MURIC)

A regulatory return listed by the Superintendencia Financiera de Colombia (SFC), Colombia.

Banks and other lenders send the SFC a single, loan-level credit-portfolio data set, the Módulo Único de Reporte de Información de Cartera (MURIC): structured data on each credit's terms, risk classification and provisions. It replaces several of the SFC's older, more aggregated credit-portfolio formats with one consolidated, more granular feed. Source

Official title: Módulo Único de Reporte de Información de Cartera (MURIC)

The facts

Who files
Credit institutions the SFC names as subject to MURIC in Circular Externa 016 de 2025: the circular and the module's own change log identify filers by the SFC's internal entity-type codes (for example types 1, 2, 4, 22 and 32 for one specific validator), which this library does not reproduce or decode. Source
How often
Monthly. The module's own change log gives, as a worked example, 20 July as the official transmission date for credit data as at the end of June. Source
Deadline
Set by the implementation timetable in Circular Externa 016 de 2025, as amended by Circular Externa 002 de 2026, which extended the testing and official-transmission phases; the exact monthly cut-off date for every entity type was not read in full so far. Source
Format
Other. Apache Avro (.avro) files submitted through a web API; the exact schema version is announced on the module's own page (versions up to v2.0.12 were current when read). Source
How it is filed
Filing routes recorded for the SFC: RAS and WEB; MURIC; Smartsupervision. See how firms file with the SFC.
Status
In force
Legal basis
Group
Banks and other lenders

Templates (2)

The tables and forms inside the return. Plain name first, the SFC's code in brackets.

  • General credit information (Insumo 001)
  • Credit risk and provisioning detail (Insumo 002)

Two data inputs ('insumos') named on the module's own page; the full technical table list was not read in full so far. Source

Validation rules

The SFC publishes the checks it runs on this return. They could not be counted from the published material. They are written for people to read; software cannot run them as published. Source

How they are written: Named validator codes (for example MURIC-003, MURIC-025, MURIC-128) referenced in the module's change log, each checking one data-quality rule..

The change log describes what each validator checks (null handling, cross-checks against accounting entries, decimal formats for rates and probabilities) but was not read as a single, numbered rule file so far.

The rules, on superfinanciera.gov.co

How they were counted

The module's own change log names individual validator codes up to MURIC-132; no single published list of all validators was opened so far, so no total count is given.

Counts are in the SFC's own unit, so they are not comparable with other regulators' counts.

Public data

No published data from this return was found. No data from this specific format, by name, was found published by the SFC on the pages read so far. Source

Official documents (5)

The SFC's own files, with the size and SHA-256 fingerprint of each as downloaded on 13 November 2026, so anyone can tell whether a copy is the same version.

  • Módulo Único de Reporte de Información de Cartera (MURIC)

    Instructions · HTML · 210.4 KB

    The SFC's own page for the MURIC module: its legal basis, resources for filers, its Avro schema change log and a worked transmission-date example.

    SHA-256 af9158f4913cshow in fullaf9158f4913c1b6454b94dd15e2cf58d97e9fb8d5eb662c3b27893f556bba6a6
  • Circular Externa 016 de 2025 (creates MURIC)

    Legal text · PDF · 264.1 KB · 2025

    A scanned document with no extractable text (confirmed with pdfinfo); its content here is taken from the MURIC page's own description, not read directly from the scan.

    SHA-256 4665523f2f04show in full4665523f2f0402774a3983fd07ac4dc1e77e392b3f4dface4dd25f4b22ceae24
  • Circular Externa 002 de 2026 (amends the MURIC implementation timetable)

    Legal text · PDF · 264.6 KB · 2026

    A scanned document with no extractable text (confirmed with pdfinfo); its content here is taken from the MURIC page's own description, not read directly from the scan.

    SHA-256 85994dbfd73dshow in full85994dbfd73d2f3b59029e18c4326814c0f90e98abde9d631889320245b1b8ac
  • Índice de Reportes de Información a la Superintendencia Financiera

    List of returns · HTML

    The SFC's own hub page linking its master catalogue of reporting formats; a dynamic page, so no size or SHA-256 is recorded.

  • Reportes (Interés del Vigilado)

    List of returns · HTML · 197.6 KB

    The hub page linking the Índice de Reportes, MURIC, and the official market-risk VaR matrix and annexes (not read in full so far).

    SHA-256 7010340ea7f6show in full7010340ea7f6737e71c60d75eb6b7c024da09cbb46d6762711ac459de8849377

Sources

Every page and document this return's facts were read from.

Knowing exactly what is collected, in what format and under which rules is the first step to real-time supervision. Line4 builds SupTech software for financial regulators that runs checks like these as each return arrives.

Line4's own text, and the way Line4 has collected and arranged these records, are free to reuse under CC BY 4.0. Please credit: “Source: Line4 regulatory submissions library (CC BY 4.0), https://www.line4.ai”. The facts themselves belong to no one. The regulators' document titles, template names, quoted terms and documents belong to them and are not covered by this licence: see SFC's reuse terms. This describes what regulators publish. It is not legal or regulatory advice: always rely on the regulator's own text. Not affiliated with or endorsed by any regulator.

Fuente: Superintendencia Financiera de Colombia www.superfinanciera.gov.co

Last checked 13 November 2026.