Instruction No. 60 on the Approval and Publication of Tariff Grids for Credit Information Bureaus

BANQUE CENTRALE DU CONGO

THE GOVERNOR

INSTRUCTION NO. 60 ON THE APPROVAL AND PUBLICATION OF THE TARIFF GRID FOR SERVICES OFFERED BY CREDIT INFORMATION BUREAUS

The Central Bank of the Congo,

Having regard to the Organic Law No. 18/027 of December 13, 2018, on the organization and functioning of the Central Bank, particularly Article 31;

Having regard to Law No. 23/059 of December 10, 2023, on the activity and supervision of Credit Information Bureaus, particularly Article 25;

Enacts the following provisions:

CHAPTER I: OBJECTIVE

Article 1:

This Instruction aims to establish the conditions for the approval and publication of the tariff grid for information services provided by Credit Information Bureaus.

CHAPTER II: PROCEDURE FOR THE APPROVAL AND PUBLICATION OF THE TARIFF GRID OF CREDIT INFORMATION BUREAUS

Article 2:

Credit Information Bureaus are required to communicate to the Central Bank of the Congo/Direction of the Supervision of Financial Intermediaries for approval, no later than July 31, their proposed tariffs for the services offered to their clients for the following calendar year. These proposals must be accompanied by the projected financial statements of the Credit Information Bureaus for the year in question.

563, Colonel Tshatshi Boulevard - Kinshasa - Gombe Email: sgouverneur@bcc.cd - Website: http://www.bcc.cd

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Article 3:

The tariffs of Credit Information Bureaus must be differentiated by categories of services and incorporate the principle of decreasing unit costs based on the increase in the volume of consultations.

In this regard, Credit Information Bureaus must take all necessary measures to implement a system that allows them to maintain a record of client consultations. Tariffs are defined based on the principles of transparency and cost budgeting, enabling the Credit Information Bureau to cover all its justified expenses related to operational needs and to ensure its profitability.

Credit Information Bureaus must submit to the Central Bank of the Congo for approval the tariff grid for value-added services when applying for prior authorization to provide said services.

Article 4:

The Central Bank of the Congo has a period of ninety (90) days, from the receipt of the proposed tariff grids containing the elements referred to in Article 2 above, to render a decision.

The Central Bank of the Congo may request any additional information it deems useful. The request for additional information suspends the time limit referred to in the first paragraph above until the Credit Information Bureau transmits the additional information requested by the Regulatory and Supervisory Authority.

Article 5:

In the event of refusal to approve the proposed tariff grid submitted to the Central Bank of the Congo, the Credit Information Bureau must submit new proposals within fifteen days from the date of notification, taking into account, where applicable, the remarks of the Regulatory and Supervisory Authority.

When the Central Bank of the Congo issues two successive decisions rejecting the approval of a tariff grid, the applicable tariffs shall be those of the previously approved grid reduced by 10%.

Article 6:

The approved tariff grid must be communicated by the Credit Information Bureau to users of credit information no later than thirty (30) days before its entry into force.

563, Colonel Tshatshi Boulevard - Kinshasa - Gombe Email: sgouverneur@bcc.cd - Website: http://www.bcc.cd

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Credit Information Bureaus must permanently display their approved tariff grids in their premises as well as on their websites. They are required to publish this information in at least one widely circulated newspaper in the DRC upon each modification of tariffs.

CHAPTER III: FINAL PROVISIONS

Article 7:

The Credit Information Bureau may, depending on the evolution of the technological, economic, and financial environment during the year, request the approval of a new tariff grid. This proposal for a new tariff grid shall be processed in accordance with Articles 4 and 5 of this Instruction.

Article 8:

Non-compliance by Credit Information Bureaus with the provisions of this Instruction exposes offenders to the sanctions provided for by the legal and regulatory provisions in this matter.

Article 9:

This Instruction enters into force on the date of its signature and repeals all prior provisions contrary hereto.

Done in Kinshasa on OCT 29, 2025

André WAMESO NKUALOLOKI
Governor

563, Colonel Tshatshi Boulevard - Kinshasa - Gombe Email: sgouverneur@bcc.cd - Website: http://www.bcc.cd