# Data Components for Retail Mortgages Despite the varied and sometimes bespoke nature of some mortgage products, we found that mortgage transaction data and the respective reporting requirements aligned around three main components: 1. The Loan 2. The Borrower 3. The Collateral Based on these components, as well as taking into consideration the type of data that is needed for both authorities for supervisory purposes, a minimum common set of requirements was developed for the collection of data for retail mortgages. Legislative or regulatory requirements that were jurisdiction-specific were excluded for this exercise. --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://docs.bis.org/ellipse/proof-of-concept/data-components-for-retail-mortgages.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.