Disclosed is a computer-implemented method (and corresponding system and program product) that includes identifying, by a data processing system associated with a financial institution that is a party to an electronic financial transaction (EFT), an end of the EFT; based on the identifying, collecting, by the data processing system, all communications into and out of the financial institution relating to the EFT required to be accessible during a retention period for regulatory compliance, resulting in collected communications; storing, by the data processing system, the collected communications such that the collected communications are immutable during the retention period, resulting in stored communications; and making, by the data processing system, the stored communications available for queries during the retention period on a per-transaction basis.