Bank of Spain Circular 1/2026 of 21 October on the Central Credit Register (BOE of 30 October 2026).
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The Official State Gazette publishes Bank of Spain Circular 1/2026, which comprehensively regulates the Central Credit Register (CCR) and repeals Circular 1/2013, amended fourteen times. Besides consolidating the regime, it incorporates the cut in the threshold for exemption from loan-by-loan reporting from EUR 3,000 to EUR 1,000 set out in Order ECM/531/2026.
Key points
- Transitional regime: the EUR 3,000 threshold remains until 1 January 2027.
- The CCR will report monthly to reporting entities and mortgage intermediaries on accumulated exposures from EUR 1,000.
- Four chapters and twenty rules on reporting entities, reportable risks, data submission and use of information.
Who is affected
Credit institutions, financial credit institutions, real estate lenders and other CCR reporting entities; borrowers.
Deadlines
EUR 1,000 threshold applies from 2027; the EUR 3,000 threshold applies until 1 January 2027.
Plain-language version
Spain's official gazette has published the Bank of Spain's new rule on the CIR, the database of what each person or business owes to lenders. The key change: from 2027 debts from 1,000 euros will be recorded, instead of 3,000 now. When you apply for a loan, the bank will have a fuller picture of your debts.
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