The configuration path for DCR_REGULATORY_ISSUERS is currently defined as DCR.RegulatoryIssuers.Issuer, but in financial-services.xml this element is nested under the AppRegistration parent. Due to this mismatch, regulatory issuers are not read correctly at runtime. The reference path should be updated to AppRegistration.DCR.RegulatoryIssuers.Issuer to align with the actual XML structure.