The Central Credit Register (CCR) is a new national database of credit information on loans of €500 or more. It is set up and operated by the Central Bank of Ireland under the Credit Reporting Act 2013 (the "Act"). Phase 1, which focuses on personal customers, commenced on June 30th 2017. Phase 2, which focuses on lending to businesses, commenced on March 31st 2018.
Since March 31st 2018, all lenders nationally have been supplying relevant information, including identification information and credit information, in relation to credit agreements to non-consumers, including sole traders, groups of individuals (partnerships, clubs and associations) and legal entities, to the Central Credit Register each month.
From March 2019, lenders must request a credit report from the Central Credit Register when a non-consumer applies for credit of €2,000 or above before approving any application, in order to comply with the Credit Reporting Act 2013.
NOTICE: Under the Credit Reporting Act 2013 lenders are required to provide personal and credit information for credit applications and credit agreements of €500 and above to the Central Credit Register. This information will be held on the Central Credit Register and may be used by other lenders when making decisions on your credit applications and credit agreements.
For further information
Further information regarding your rights and duties under the Act can be found on our borrower information document which is available here.
The Central Credit register is owned and operated by the Central Bank of Ireland. More information in relation to the Central Credit Register is available from the Central Bank of Ireland through the following communication channels: