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Central Credit Register

The Central Credit Register is an information system managed by the Central Bank that collects data on customer indebtedness transmitted by banks, financial companies, and mutual funds primarily composed of loans.

The purpose of the Central Credit Register is to:

  • improve the process of assessing customers' creditworthiness and managing credit risk;

  • enhance the quality of credit granted by intermediaries;

  • strengthen the financial stability of the credit system;

  • facilitate access to credit for "creditworthy" customers.

The Central Credit Register gathers and shares with participating intermediaries master and quantitative information on loans granted with a census threshold of 10,000 euros or more, details of potential insolvency (non-performing loans), guarantees received, and other additional loan information.


Debtors may request information on their status in the Central Credit Register from the reporting intermediaries or the Central Bank. For further details, please refer to the section Services for the Public - Access to Central Risk Data,which provides instructions and forms for making a data access request.


The risk centralization service is governed by Article 50 of Law 165/2005 (LISF) and CBSM Circular No. 2015/02.


Currently, the San Marino Central Credit Register does not exchange information with foreign Risk Centers. However, pursuant to Article 50, paragraph 6 of Law 165/2005 (LISF), the Supervisory Authority may share credit risk information with equivalent centralization services from other countries, within the framework of special memoranda of understanding that ensure full reciprocity or cooperation agreements between counterpart authorities.