Instruction No. 1/2026 on the Credit Liabilities Central Registry

Instruction No. 1/2026
BO No. 2/2026 Supplement • 2026/02/24
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Topics
Credit Liabilities :: Credit Liabilities Central Registry Mod. 99999940/T – 01/14 Index Text of the Instruction
Annex I to the Instruction – Characterization of information blocks, reporting frequencies, and deadlines
Annex II to the Instruction – Description of variables
Annex III to the Instruction – Definition of domain tables
Annex IV to the Instruction – Information on branches abroad of participating entities
Text of the Instruction
Subject: Regulation of the Credit Liabilities Central Registry This Instruction primarily aims to revoke and replace Instruction No. 17/2018, of August 27, which regulates the operation of the Credit Liabilities Central Registry ("CRC"), in order to incorporate the necessary changes for the implementation of Decree-Law No. 103/2025, of September 11 ("Decree-Law No. 103/2025"), which transposed Directive (EU) 2021/2167 of the European Parliament and of the Council of November 24, 2021, establishing a harmonized framework for access to and exercise of the activity of managing non-performing bank credits, as well as a set of requirements for credit acquirers (Credit Assignment and Management Regime, hereinafter "RCGCB"), and for the revision of the CRC regime. Under the RCGCB, a duty is established for institutions and credit managers to report to the CRC the credits subject to assignment and the information elements relating to these credits provided for in applicable legislation and regulation, namely the information provided for within the scope of the CRC. In this way, it is necessary to (i) expand the scope of application to include credit managers as new participating entities, (ii) add additional information for the purpose of monitoring credits subject to assignment, and (iii) exempt participating entities from the duty to report information on assignments provided for in Article 9 of the RCGCB, given that the Bank of Portugal will, in accordance with the requirements of this Instruction, receive all information provided for in this regard at its headquarters.