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Central Credit Register

The Banco de España's Central Credit Register (CCR) holds the credit records of natural and legal persons in order to facilitate institutions in their credit risk analysis.

Generally speaking, reporting institutions (credit institutions and others) are obliged to report on direct risks with residents for sums of 6,000 euro and over for the whole of their businesses in Spain or of 60,000 euro or more in any other country. Non-residents however are obliged to report amounts of 300,000 euro or more.

The reported information allows the Banco de España to know the total lending granted, which enables it to perform its banking supervision obligations.

For their part, the institutions that report their risks to the CCR of the Banco de España receive monthly aggregate information on the risk contracted by the natural and legal persons that they have reported ("account holders").

Nevertheless, any institution may request specific information about an account holder if the account holder applies for a risk operation (such as a loan) or appears as liable for payment or as a guarantor in negotiable or credit documents which the institution has been requested to acquire or trade.

Request for information

Any natural or legal person may request the details declared in the Banco de España's CCR on their own behalf, using the following procedure:

Solicitud de informes de riesgos por los titulares.Opens in a new window

Disagreement with the statement

If the account holder considers that the information declared to the CCR is inaccurate or incomplete, he/she can notify the reporting institution or institutions directly, requesting that the information is rectified or cancelled, or he/she can request that the Banco de España deals with the claim in accordance with the following procedure:

Reclamación contra una entidad por disconformidad con lo declarado a la CIR.Opens in a new window