Circular RUNOR 1-1980: Information Clearinghouses - Dishonored Cheques Clearinghouse

2026 - YEAR OF ARGENTINE GREATNESS

COMMUNICATION “A” 8496
22/10/2026

TO FINANCIAL INSTITUTIONS,
TO THE TRUSTEES OF FINANCIAL TRUSTS INCLUDED IN THE LAW OF FINANCIAL IN- STITUTIONS, TO THE ADMINISTRATORS OF CREDIT PORTFOLIOS OF FORMER FINANCIAL INSTITUTIONS, TO MUTUAL GUARANTEE COMPANIES, TO PUBLIC-SECTOR GUARANTEE FUNDS, TO NON-FINANCIAL COMPANIES ISSUING CREDIT CARDS, TO NON-FINANCIAL COMPANIES ISSUING PURCHASE CARDS, TO OTHER NON-FINANCIAL CREDIT PROVIDERS, TO PROVIDERS OF PEER-TO-PEER CREDIT SERVICES THROUGH PLATFORMS:

Ref.: Circular
RUNOR 1-1980:
Information Clearinghouses - Dishonored Cheques Clearing- house.

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We address you in relation to Section 1. of the Consolidated Text on Information Clearinghouses.

In this regard, we send you the pages that must be replaced in the Dishonored Cheques Clearinghouse.

These instructions shall be effective as from the monthly information corresponding to 30/11/2026, as well as for the daily update files with changes as from 01/12/2026.

We greet you attentively.

CENTRAL BANK OF THE ARGENTINE REPUBLIC

Gustavo O. Bricchi
Information
Management Manager
Rodrigo J. Danessa
Deputy General Manager of Reporting Regime and Protection of Financial Services Users a/c

ANNEX: 2 pages.

B.C.R.A. INFORMATION CLEARINGHOUSES
Section 1. Dishonored Cheques Clearinghouse.

1. The information set forth in each case, submitted by each of the banking institutions, shall be disseminated.

1.1. Database.

The information shall be provided monthly. It shall reside on the secure site https://www3.bcra.gob.ar and shall be available to the following subjects:

a. Financial institutions.

b. Trustees of financial trusts included in the Law of Financial Institutions.

c. Non-financial credit providers.

d. Administrators of credit portfolios of former financial institutions.

e. Mutual guarantee companies and public-sector guarantee funds registered in the Registries enabled in the Central Bank of the Argentine Republic.

f. Providers of peer-to-peer credit services through platforms.

Likewise, this consultation mechanism shall be available to the general public by logging in through the ARCA key.

Those who select this option must provide a sworn statement regarding knowledge of the provisions and sanctions set forth in the Personal Data Protection Law -including the duty to register with the National Registry of Databases, where applicable.

1.1.1. The design of the Cheques file is detailed below:

Field No.	Name	Type	Length	Observations
1	CUIT/CUIT/CDI	Numeric	11	No. CUIT / CUIL or CDI
2	Cheque No.	Numeric	10	Check number
3	Rejection date	Date	8	Rejection Date. In YYYYMMDD format
4	Amount in original currency	Numeric	15	Check amount. The last two positions correspond to decimals
5	Reason	Numeric	1	Rejection Reason 1- For formal defects 2- Insufficient funds
6	Lifting date	Date	8	Check Payment Date. In YYYYMMDD format
7	Law 25.326, Art. 16, Inc. 6	Character	1	E - Under review S - End of review
8	Law 25.326, Art. 38, Inc. 3	Character	1	J - In judicial process F - End of judicial process
9	CUIT	Numeric	11	CUIT No. of the related legal entity.
10	Fine payment	Character	15	UNPAID: No fine payment is recorded in the B.C.R.A. DD/MM/YYYY: Fine payment date. SUSPENDED: Law 24.452, Art. 64.
11	Check type	Numeric	8	Rejected ECHEQ: 00000001 All other cases: 00000000
12	Currency code	Numeric	2	Pesos: 80 US dollar: 02

B.C.R.A. CENTRALES DE INFORMACIÓN
Section 1. Central de Cheques Rechazados.

1.1.2.2. Check registrations

Field No.	Name	Type	Length	Observations
1	CUIT/CUIT/CDI	Numeric	11	No. CUIT / CUIL or CDI
2	No. Check	Numeric	10	Check number
3	Rejection date	Date	8	Rejection Date. In YYYYMMDD Format
4	Amount in original currency	Numeric	15	Check amount. The last two positions correspond to decimals
5	Reason	Numeric	1	Rejection Reason 1- For formal defects 2- Insufficient funds
6	Lifting date	Date	8	Check Payment Date. In YYYYMMDD Format
7	Law 25.326, Art. 16, Inc. 6	Character	1	E - Under review S - End of review
8	Law 25.326, Art. 38, Inc. 3	Character	1	J - In judicial process F - End of judicial process
9	CUIT	Numeric	11	No. CUIT of the related legal entity.
10	Fine payment	Character	15	UNPAID: No fine payment is recorded in the B.C.R.A. DD/MM/YYYY: Fine payment date. SUSPENDED: Law 24.452, Art. 64.
11	Check type	Numeric	8	Rejected ECHEQ: 00000001 All other cases: 00000000
12	Currency code	Numeric	2	Pesos: 80 US dollar: 02

1.1.2.3. Registrations to the Registry

Field No.	Name	Type	Len.	Observations
1	CUIT/CUIT/CDI	Numeric	11	No. CUIT / CUIL or CDI
2	Denomination	Character	160	Surname and Name or Corporate Name of the accused