What is the Central Credit Register (CCR or 'The Register')?

Central Bank of Malta (CBM) Directive No. 14 obliges CCR reporting institutions as defined in the Directive to provide information on any existing client who has an end-of-month balance of exposures exceeding €5,000.

This non-anonymised information on borrowers and their credit exposures is securely stored in the CBM's Register. Borrowers comprise both legal and natural persons but exclude credit institutions. The reporting institutions are required to provide this information to the CBM by the twentieth calendar day of the month following the month to which the balances refer.

How do you access information about yourself on the Register?

There are two ways in which you may request access to an extract of your information: (1) by filling an online form or (2) by sending a request via registered mail. See further information below.  The CBM acknowledges receipt in writing by the following working day. If an acknowledgment is not received, kindly call the CBM's Credit Register Office on (+356) 2550 4414 during office hours.  

The request must be submitted by the natural or legal person, or by their lawful representative.

1. Online: Fill in this online form
2. Post: Send request by registered post addressed to:

The Manager - Credit Register Office
Central Bank of Malta
Binja Ġlormu Cassar, St James's Counterguard
Valletta VLT1060, Malta. 

The details to be inserted and attachments to be sent via registered mail may be found on the online form. 

 Sample credit report

Natural persons can obtain an extract of the information concerning themselves free of charge, while legal persons are charged €25 for each extract, to be paid either via a bank transfer using the CCR Cost Recovery Account' - IBAN number 'MT65MALT011000040608EURIM12001J' or by cheque sent via registered mail, payable to the 'CCR cost recovery account' and sent to the address above.

For more information, kindly call the Credit Register Office on (+356) 2550 4414 or send a message through the Contact Us form.

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Disclaimer:  In line with the Central Bank of Malta Act Article 24, the information found in the Central Credit Register shall only be used for the following purposes: (a) centralisation of information on credit exposures; (b) analysis of the stability of the financial system; (c) implementation of monetary policy; (d) compilation of statistics; and (e) facilitating the assessment of credit risk. Information held on the Register shall not be used for any purpose other than as expressly provided for in the Act and in the Central Bank of Malta Directive No. 14.