Central Credit Register

The Risk Information Centre (CIR from its initials in Spanish) is a public database management service where virtually all the loans, credits, bank endorsements and risks in general that financial institutions have with their customers are recorded. The data recorded in the CIR reflect the information that such institutions have on their clients in their databases.

Reporting institutions (credit and other institutions) are legally obliged to provide information on risks, from one transaction to another, in euro units, and without a minimum reporting threshold being generally established. In addition, they must also identify all the people involved in every transaction and state the nature of their involvement (direct-risk account holder, guarantor, etc.,) as well as the risk that they incur, as the case may be. The reported data allow the Banco de España to know the total lending granted, which enables it to exercise its powers, in particular its banking supervision powers.

For their part, the institutions that report their risks to the Banco de España’s CIR receive monthly aggregate information on the risk incurred by the natural and legal persons ("account holders") they have reported, enabling them to monitor their credit risks. Data are not provided on account holders whose accumulated risk in an institution is below 9,000 euros.

Nevertheless, any institution may request specific information on an account holder where the latter applies for a risk operation (such as the grant of a loan) or appears liable for payment or as a guarantor in exchange or credit documents which the institution has been requested to acquire or trade. The data that are provided correspond to the last concluded monthly report and the report for the previous six months.

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