With increased demands for reporting, transparency, and supervision, technology is becoming central to how banks, funds, and servicers adapt to a more demanding and scrutinized regulatory framework.
The entry into force of the new framework for the assignment and management of bank credit, together with the profound revision of the Central Credit Register, marks a structural shift in the Portuguese non-performing loans ecosystem.
As Frederico Faria de Oliveira, Managing Founder of Blue Screen IT Solutions, highlights, “Decree-Law no. 103/2025 and Instruction no. 1/2026 introduce an unprecedented level of demand: data granularity, daily reporting, greater transparency towards debtors, and strengthened supervisory powers.”
For the first time, he adds, “the management of an assigned credit becomes regulated in an integrated manner, covering not only financial behavior but also legal actions, conduct towards the debtor, complaint handling, and strict compliance with reporting obligations.”
With increased requirements for reporting, transparency, and supervision, technology is now taking on a central role in helping banks, funds, and servicers adapt to a more demanding and scrutinized regulatory framework.
“The management of an assigned credit is now regulated in an integrated way, covering not only financial behavior, but also legal action, conduct towards the debtor, the handling of complaints, and strict compliance with reporting obligations,” says Frederico Faria de Oliveira
A transformation exposing structural weaknesses
This transformation reveals long-standing weaknesses across banks, funds, and servicers. Many still operate with fragmented systems, scattered information, and processes based on disconnected documentation, emails, and spreadsheets.
“The new regulatory framework requires the opposite: consistency, traceability, and the ability to combine financial, legal, and operational data in near real time. Integration between teams — from risk and compliance to legal departments and external partners — is no longer optional; it is mandatory,” emphasizes Frederico Faria de Oliveira.
Impact on law firms
The impact is also significant for lawyers and law firms involved in credit recovery. Although they are not considered credit managers, their activity now directly affects the regulatory compliance of the entities that hire them.
Court deadlines, communications with debtors, updates on case status, and relevant decisions must now be recorded, structured, and made available in an auditable format.
“Operational informality is no longer compatible with a framework that imposes responsibilities, supervision, and potential sanctions.”
In this new context, non-integrated tools become unviable. The volume and complexity of required information — from financial and accounting blocks to daily credit events — significantly increase the risk of operational errors.
“The absence of consolidated history, audit logs, automatic data validation, or connection between teams creates gaps that may result in regulatory breaches, financial losses, or reputational damage. The sector is therefore facing an urgent need for technological modernization,” warns Frederico Faria de Oliveira.
The LMS solution from Blue Screen
It is in this environment that systems such as Blue Screen’s Legal Management System (LMS) gain strategic relevance.
“By integrating into a single platform all elements involved in the management of assigned credit — financial data, legal documentation, court deadlines, mandatory communications, workflows, and reporting — LMS enables organizations to comply, automatically and consistently, with the requirements imposed by the new framework.”
The platform ensures full auditability, complete case history, integration with lawyers and servicers, automated report generation, and active monitoring of regulatory deadlines.
“More than a management tool, it becomes a compliance infrastructure.”
Beyond compliance: an opportunity for the sector
However, the transformation underway goes beyond legal obligation.
“The digitalization and standardization of data represent a rare opportunity for the sector to gain efficiency, reduce costs, and increase operational scale. Granular information will enable better decision-making, greater transparency for investors and regulators, improved recovery strategies, and a more complete view of risk exposure.”
At the same time, the professionalization and automation of processes will drive market consolidation, favoring players capable of ensuring quality, rigor, and interoperability.
“The new framework marks the beginning of a more modern, demanding, and technically sophisticated phase in credit management in Portugal. For those who adapt early, the impact will be positive: greater efficiency, increased competitiveness, and the ability to grow in an increasingly scrutinized market. For those who do not adapt, the risk is clear: being left behind in a sector that will not return to the fragmented model of the past.”
(2026, April 23) Article published at Jornal de Negócios
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