The Central Credit Register is an information system, managed by the Central Bank of the Republic of San Marino, which gathers the information concerning the indebtedness of the customers transmitted by the banks, financial companies and mutual investment funds whose assets are composed mostly of credits.
Purpose of the Central Credit Register is to:
The Central Credit Register collects and shares with the participating intermediaries in the master data and quantitative information on loans granted with reporting threshold equal to or greater than 10,000, any state of insolvency of the debtors for any amount (so called Bad Loans), the guarantees received and further detailed information related to the loans.
Debtors will be able to request the reporting intermediaries and the Central Bank to provide their situation as reported to the Central Credit Register. In this regard, this website will be integrated with instructions and forms to file a request for data access and further information on the Central Credit Register.
The risk centralisation service is governed by art. 50 of Law 165/2005 (LISF) and by the CBSM Circular no. 2015/02.