Single Customer View

For completeness’ sake, we also provide the consultation document and adoption document for the third round of amendments.

II. DGS Data Delivery Manual

The DGS Data delivery manual offers practical support to banks in preparing and submitting the SCV. The rounds of amendments include transitional periods. Future audit reports must be based in part on previous versions of the manual. Below is an overview of relevant versions of the DGS Data Delivery Manual.

III. Data Delivery Agreement (DDA) with Logical Data Model (LDM)

The specification of data delivery is described in a Data Delivery Agreement (DDA), which also comprises a Logical Data Model (LDM). The DDA elaborates the DGS regulations and describes the technical specifications of data exchanges. The DDA also includes a set of files and documents. You will find the most recent version of the DDA and other files and documents in the ZIP file.

The Data delivery via Logius Digipoort document contains technical specifications for delivery using Logius Digipoort.

Supervision by DNB

DNB supervises compliance with the requirements set out in the SCV Policy Rule. For this purpose, we adopted the Assessment framework for supervision of compliance with the requirements of the Single Customer View Policy Rule. The elements of the assessment framework include:

• Several indicators that clarify the extent to which banks comply with the requirements
• The role of the audit of a bank's SCV system, conducted by the internal audit department and the external auditor
• which measures DNB can take if targets are not met (on time)

DNB’s assessment of compliance with the SCV Policy Rule

We send banks individual overviews of the extent to which they meet the requirements of the policy rule each year. We describe the improvements we expect them to achieve, in accordance with the development trajectory set out in the assessment framework.

At least once a year, banks must instruct their external auditor to express an opinion on the bank's compliance with the requirements of the SCV Policy Rule. The assignment must be based on ISAE 3402 (see Section 12 of the SCV Policy Rule).

Internal audit department

As part of the bank's three lines of defence model, the internal audit department, too, must assess at least once a year whether the requirements set out in the policy rule have been met. The internal audit department’s report must be available within a reasonable time to allow coordination of the various procedures with the external auditor (see Section 11 of the SCV Policy Rule).

The Assessment framework for supervision of compliance with the Single Customer View Policy Rule provides more guidance on the SCV audit.