Purpose
- Collection from supervised institutions of individualized information on their credit risks in order to facilitate the exercise of their activity, the proper exercise of supervision and inspection of the supervised institutions and to contribute to all functions attributed to the Banco de España.
- Provide reporting entities and real estate credit intermediaries with the information necessary to assess the solvency of their clients or potential new clients.
Legal basis
Performance of a task carried out in the public interest or in the exercise of official authority vested in the controller pursuant to:
- Law 44/2002, of 22 November, of measures to reform the financial system.
- Law 5/2019, of March 15, regulating real estate credit contracts.
Categories of data subjects
Risk holders on reporting entities
Categories of personal data
- Identification data: Name, surname, ID or passport number (for verification purposes, this data is checked against the data contained in the verification and consultation services of identification data - SVDI - of the Public Administration's intermediation platform).
- Contact data: Postal address
- Economic data: Debt information
- Personal characteristics data: Date and place of birth
Retention period
Personal data shall be retained for the time necessary to fulfil the purpose for which they were collected and to allocate any liability arising from said purpose and from the processing of the data.
Security measures
Security measures provided for in Annex II of Royal Decree 3/2020, of 8 January, which regulates the National Security Scheme in the field of Electronic Administration.
Recipients
- Reporting entities
- Real estate credit intermediaries
- Official Credit Institution (ICO)
- Court of Auditors
- National Stock Exchange Commission (CNMV)
- Spanish AML/CFT supervisor (Sepblac)
- Other European Central Credit Registers
- Tax Administration
- Public notaries
- Courts of Justice
- Other competent public authorities
International transfer of data
N/A
Data controller
Banco de España
NIF: Q2802472G
Data Protection Officer
Division of Governance and Transparency
Contact form
Exercise of rights and complaints
You can check whether it is mandatory for you to provide your personal data, as well as the procedure to exercise your rights, withdraw your consent if applicable and lodge a complaint before the Data Protection Officer or the Spanish Data Protection Agency at our Privacy Policy