The implementation of the Central Credit Register (CCR) Version 2 Project

In April 2016 the Central Bank of Malta (CBM or 'the Bank') launched Malta's Central Credit Register (CCR or 'The Register'). The Register is governed by both the CBM Act (Art. 24) and CBM Directive 14 entitled 'Central Credit Register'. Its administration is entrusted to the Credit Register Office within the Bank's Statistics Department's.

As specified in the current CBM Directive 14, on a monthly basis, the Bank, credit institutions registered or having freedom of establishment in Malta and the Malta Development Bank are requested to submit through the CCR portal non-anonymised exposure-by-exposure data for exposures above the €5000 threshold. Moreover, the same institutions can query/download data from the Register upon consent (where applicable) on both legal and natural counterparties.

As part of the CCRv2 project, the Bank will be including as Register participants the (a) licensed Financial Institutions (FIs) and (b) notified Financial Vehicle Corporations (FVC) that offer material credit to residents. Licenced Credit Reference Agencies will continue using CCR data to issue credit scores.

Throughout the years, various enhancements were implemented to the CCR Portal to continuously improve the service offered. However, with new technological developments and due to increased demands, the need was felt to upgrade the solution, its infrastructure, and data collection and front-end portals, amongst other things, to ultimately enhance the credit worthiness assessment of prospective and existing counterparties.

Further details of the project are regularly communicated by the Bank to the Register participants in various fora. Besides the consultation document found below. Register participants can also find additional technical documentation within a dedicated webpage. This webpage comprises the most important documents and related guidance material for use by the participants.

Public Consultation

Feedback Report on the Consultations related to Central Credit Register (CCR) Version 2

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Public Consultation Document - The Enhancement of the Central Bank of Malta's Central Credit Register (CCR) to include licensed Financial Institutions (FIs) and Financial Vehicle Corporations (FVCs)

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Consultation Document with the current reporting institutions on the Central Credit Register (CCR) Version 2

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