Visible at every EU policy entry point.

Avena urges ESMA to require structured machine-readable disclosure of (a) underlying property identifiers (preferring open standards such as AVN-ID), (b) methodology version of any valuation cited, (c) confidence intervals. Our explainable-AVM endpoint (avenaterminal.com/api/v1/explainable-avm) and CSRD Disclosure product (avenaterminal.com/products/csrd-disclosure) operationalise these requirements.

Avena supports EBA-led harmonisation of residential AVM methodology with three additions: (1) mandatory publication of model version + confidence band on every published valuation, (2) reproducible reference dataset for cross-vendor backtesting, (3) recognition of open standards (APIP, AVN-ID) as compliant data substrates. Avena's production AVM (avenaterminal.com/api/v1/avm/value) and methodology audit trail demonstrate the operational feasibility of these requirements.

Avena recommends that macroprudential authorities adopt observable property cycle indicators (not solely lagged credit aggregates) as anti-cyclical buffer triggers. The Avena Property Cycle Index (APCI) demonstrates one such observable signal published daily across 27 EU markets under CC BY 4.0. National designated authorities should be able to ingest cycle data without procurement friction; we maintain a free regulatory-research tier.

Avena recommends that the renovation passport schema include (a) machine-readable property identifier (AVN-ID compatible), (b) before/after energy band and primary-energy demand, (c) attestation provenance (issuer signature). These are operationally proven in the Avena AVN-ID credential chain.

Avena supports formal recognition of (1) DOI-anchored datasets (e.g. Zenodo) as audit-traceable provenance, (2) public methodology version history as a baseline transparency requirement, (3) cryptographic fingerprinting of model snapshots for reproducibility. Avena's /verify and /methodology/evolution surfaces demonstrate the implementation.