Regulatory Alerts2026-02-24
Added · Updated
Instruction No. 1/2026 on the Credit Liabilities Central Registry
Instruction No. 1/2026 revokes and replaces Instruction No. 17/2018 to align the Credit Liabilities Central Registry (CRC) with Decree-Law No. 103/2025, expanding participant scope to include credit managers, crowdfunding lenders, and certain foreign entities. It mandates daily reporting of credit events, introduces a debt service-to-income (DSTI) ratio requirement for consumer credit monitoring, and allows participants to access CRC data from the previous 12 months. The instruction also sets a five-day deadline for correcting reported information and establishes specific rules for consumer notification and data retention.
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