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Being replacedLenders: Central Credit Register (national)Last checked 11 November 2026

Central Credit Register (CCR) declarations (CIR)

A regulatory return listed by the Banco de España (BdE), Spain.

Credit risk data that lenders declare to the Banco de España's Central Credit Register (CIR), in data modules: data on persons, basic and dynamic data on transactions, guarantees received, interest rates, transfers and synthetic securitisations, links between codes, supplementary prudential data and data from institutions under reduced declaration. Where CIR dimensions coincide with those of ECB Regulation (EU) 2016/867 (AnaCredit), the ECB's criteria apply (rule 4 of Circular 1/2026). Source

Official title: Declaración a la Central de Información de Riesgos (CIR), Circular 1/2013

The facts

Who files
Credit institutions (including branches and institutions operating under the free provision of services), specialised lending institutions, payment and e-money institutions that grant credit, mutual guarantee and reguarantee companies, Sareb, the Banco de España, the Deposit Guarantee Fund, SAECA and real estate lenders; some of them file a reduced declaration (rule 1 of Circular 1/2026, which replaces Circular 1/2013). Source
How often
Monthly for dynamic data, quarterly for some modules (for example D.5 and H.1) and 'non-periodic' for basic data, which are sent as they arise with at least one transmission a week when there are data to declare (rule 4 of Circular 1/2026). Source
Deadline
Day 10 of the month after the reference date for most modules; day 15 of the second following month for module H.1 (accounting data of loans). Corrections within five working days of the institution learning that data are wrong (rule 4 of Circular 1/2026). Source
Format
Flat file. Fixed-format records defined in the CRG technical instructions (version 10.20), sent as files to the Bank's applications through Editran or the ITW web interface, which needs only a valid Banco de España certificate. Source
How it is filed
Filing routes recorded for the BdE: SIF (Sistema de Intercambio de Información Financiera); Banco de España Virtual Office (Sede Electrónica): 'Envío de documentación financiera' (procedure ES_BDE_C164_P90); Editran and ITW file transfer (Central Credit Register and its complementary statements); CRGWWW; EXB: register of branch offices of supervised entities. See how firms file with the BdE.
Status
Being replacedCircular 1/2026 of 21 October 2026, published in the BOE on 30 October 2026, repeals Circular 1/2013 and enters into force twenty days after publication; until 1 January 2027 some reporting thresholds are set at EUR 3,000. Source
Legal basis
Group
Lenders: Central Credit Register (national)

Templates (22)

The tables and forms inside the return. Plain name first, the BdE's code in brackets.

  • Data identifying persons (A.1)
  • Request for an identification code for persons not resident in Spain (A.2)
  • Basic data linking persons to transactions (B.1)
  • Basic data on transactions (B.2)
  • Supplementary basic data on loans to legal persons (B.3)
  • Dynamic data on direct risks (C.1)
  • Dynamic data on indirect risks (C.2)
  • Dynamic financial data on loans to legal persons (C.3)
  • Data on joint liabilities in loans to legal persons (C.4)
  • Basic data linking transactions to guarantees received (D.1)
  • Basic data on guarantees received (D.1.1)
  • Basic data on real estate received as collateral (D.2)
  • Basic data on financial assets received as collateral (D.3)
  • Dynamic data linking transactions to guarantees received (D.4)
  • Dynamic data on buildings under construction and real estate developments received as collateral (D.5)
  • Data on interest rates of loans (E)
Show all 22 templates
  • Data on transfers and synthetic securitisations of financial assets (F)
  • Data linking codes (G)
  • Accounting data on loans (H.1)
  • Data on the risk of borrowers that are legal persons (H.2)
  • Data on the default status of borrowers that are legal persons (H.3)
  • Dynamic data on the activity of institutions subject to reduced declaration (I)

The data modules of Annex 1 of Circular 1/2013 as published by the Bank; Circular 1/2026 keeps modules A to I with the same names. Source

Validation rules

The BdE publishes the checks it runs on this return. They could not be counted from the published material. They are written for people to read; software cannot run them as published. Source

How they are written: Validations described in the CRG technical instructions (PDF).

The technical instructions document their record layouts and validations.

The rules, on bde.es

How they were counted

Not counted: the validations are described within the CRG technical instructions (version 10.20, September 2026), not as a separate countable list.

Counts are in the BdE's own unit, so they are not comparable with other regulators' counts.

Public data

No published data from this return was found. No data from this return published by the Banco de España was found on the pages checked. Source

Official documents (15)

The BdE's own files, with the size and SHA-256 fingerprint of each as downloaded on 11 November 2026, so anyone can tell whether a copy is the same version.

Sources

Every page and document this return's facts were read from.

Knowing exactly what is collected, in what format and under which rules is the first step to real-time supervision. Line4 builds SupTech software for financial regulators that runs checks like these as each return arrives.

Line4's text and records here are free to reuse under CC BY 4.0. Please credit: “Source: Line4 regulatory submissions library (CC BY 4.0), https://www.line4.ai”. The regulators' documents, forms, taxonomies, rules and data belong to them: see BdE's reuse terms. This describes what regulators publish. It is not legal or regulatory advice: always rely on the regulator's own text.

Source: Banco de España (https://www.bde.es). Documents copied here are unchanged and are available free of charge on the Banco de España website. The plain-English summaries are Line4's own; the Banco de España does not endorse this library.

Last checked 11 November 2026.