Ordinance No. 22 of the BNB of 16 July 2009 on the Central Credit Register

1 Ordinance No 22 of the BNB
Ordinance No 22* of the BNB of 16 July 2009 on the Central Credit Register (Published in the Darjaven Vestnik, issue 62 of 4 August 2009, effective as of 1 October 2009; amended, issue 31 of 2012; amended, issue 93 of 2015; amended, issues 81 and 103 of 2016, effective as of 1 January 2017; amended, issue 21 of 2017; amended, issue 37 of 2018; amended, issue 42 of 2019, effective as of 5 June 2019; amended, issue 100 of 2019, effective as of 1 January 2020; amended, issue 18 of 2020; amended, issue 101 of 2020, effective as of 1 December 2020; amended, issue 110 of 2020, effective as of 1 January 2021; amended, issue 91 of 2021; amended; issue 101 of 2022, effective as of 1 January 2023; amended, issue 35 of 2024, effective as of 1 May 2024; amended; issue 97 of 2025, effective as of 14 November 2025; amended; Darjaven Vestnik, issue 113 of 2025, effective as of 1 January 2026)
Chapter One
General Provisions
Article 1. (amended; Darjaven Vestnik, issue 81 of 2016, effective as of 1 January 2017) This Ordinance shall determine the functioning, scope, procedure and time limits for submitting and obtaining information to/from the Central
Credit Register.
Article 2. (amended; Darjaven Vestnik, issue 31 of 2012; effective as of 30 April 2012; amended; Darjaven Vestnik,
issue 37 of 2018; amended, issue 101 of 2022, effective as of 1 January 2023; amended; Darjaven Vestnik, issue 97 of 2025; amended; Darjaven Vestnik, issue 113 of 2025, effective as of 1 January 2026) The Central Credit Register is part of an Integrated Information System organised and maintained by the Bulgarian National Bank (BNB), which contains information on customer indebtedness to:

banks and bank branches operating on the territory of Bulgaria;
financial institutions registered under Article 3a of the Law on Credit Institutions (LCI) excluding foreign financial
institutions conducting activities directly on the territory of the Republic of Bulgaria;
payment institutions and electronic money institutions extending loans under Article 21 of the Law on Payment
Services and Payment Systems (LPSPS) operating on the territory of the Republic of Bulgaria;
investors who have granted a project loan through a crowdfunding service provider, except for foreign investors
conducting activities directly on the territory of the Republic of Bulgaria;
credit purchasers under Article 7 of the Law on Credit Servicers and Credit Purchasers acquiring claims on nonperforming loans provided by credit institutions.
Article 3. (1) (previous wording of Article 3; Darjaven Vestnik, issue 37 of 2018) The register shall provide:
(amended; Darjaven Vestnik, issue 31 of 2012, effective as of 30 April 2012; amended; Darjaven Vestnik, issue 37 of 2018; amended, issue 101 of 2022, effective as of 1 January 2023; amended; Darjaven Vestnik, issue 97 of

centralisation of the information on customer indebtedness to the institutions and entities referred to in Article 2,
items 1–5;

1. (amended; Darjaven Vestnik, issue 31 of 2012, effective as of 30 April 2012; amended; Darjaven Vestnik,
  issue 37 of 2018; amended; Darjaven Vestnik, issue 97 of 2025) use of the information by the institutions and entities referred to in Article 2, items 1–3 and item 5 by the crowdfunding service providers referred to in Article 2, item 4 and by the credit servicers licensed under Article 9 of the Law on Credit Servicers and Credit Purchasers;
consolidation of collected information to be used for the purposes of the BNB.
(2) (new; Darjaven Vestnik, issue 37 of 2018) The Central Credit Register shall store information about persons who are co-debtors and guarantors on loans.
Article 4. (1) ((amended; Darjaven Vestnik, issue 31 of 2012, effective as of 30 April 2012; amended; Darjaven
Vestnik, issue 93 of 2015, former wording of Article 4; Darjaven Vestnik, issue 37 of 2018; amended Darjaven Vestnik, issue 101 of 2022, effective as of 1 January 2023; amended; Darjaven Vestnik, issue 97 of 2025) Information on loan indebtedness of their customers shall be provided to and received from the Central Credit Register by institutions and entities as follows:
(amended; Darjaven Vestnik, issue 81 of 2016, effective as of 1 January 2017) banks and foreign bank branches
operating on the territory of Bulgaria;
(amended; Darjaven Vestnik, issue 81 of 2016, effective as of 1 January 2017) the persons registered under
Article 3a of the Law on Credit Institutions, conducting activities under Article 2, paragraph 2, items 6, 7 or 12, or
under Article 3, paragraph 1, item 3 of the law on Credit Institutions excluding foreign financial institutions conducting activities directly on the territory of the Republic of Bulgaria;
(amended; Darjaven Vestnik, issue 37 of 2018) payment institutions and electronic money institutions extending
loans under Article 21 of the LPSPS;

Unofficial translation provided for information purposes only. The Bulgarian National Bank bears no responsibility whatsoever as to the accuracy
of the translation and is not bound by its contents.

2 Ordinance No 22 of the BNB
4. (new; Darjaven Vestnik, issue 101 of 2022, effective as of 1 January 2023) crowdfunding service providers,
except for foreign providers that operate directly on the territory of the Republic of Bulgaria;
5. (new; Darjaven Vestnik, issue 97 of 2025) credit purchasers under Article 7 of the Law on Credit Servicers and
Credit Purchasers acquiring claims on non-performing loans provided by credit institutions
6. (new; Darjaven Vestnik, issue 97 of 2025) credit servicers licensed under Article 9 of the Law on Credit Servicers
and Credit Purchasers.
(2) (new; Darjaven Vestnik, issue 37 of 2018) Information from the register may be also provided to bodies under
Article 56, paragraph 3 of the Law on Credit Institutions, as well as other government and judicial authorities under
Article 56, paragraphs 7 and 9 of the Law on Credit Institutions;
(3) (new; Darjaven Vestnik, issue 42 of 2019, effective as of 5 June 2019; amended; Darjaven Vestnik, issue 91 of
2021) Natural persons and legal entities may receive information on their credit indebtedness under Articles 21–23,
and the natural persons also information under Article 21a.
Article 5. (1) (amended; Darjaven Vestnik, issue 31 of 2012, effective as of 30 April 2012; amended; Darjaven
Vestnik, issue 93 of 2015; amended; Darjaven Vestnik, issue 37 of 2018; amended; Darjaven Vestnik, issue 97 of
2025) Institutions and entities under Article 4, paragraph 1 shall submit to the Central Credit Register information under
Article 11 on all loans extended by them irrespective of their amount, as well as other information in accordance with
the instructions of the Deputy Governor heading the Banking Department.
(2) The following loans shall not be subject to reporting:

loans to the government;
loans to the Bulgarian National Bank;
(amended, Darjaven Vestnik, issue 93 of 2015; amended; Darjaven Vestnik, issue 113 of 2025, effective as of
1 January 2026) loans on which an admissible excess payment over the balance on payment accounts (overdraft) in the amount of under EUR 1000 has been agreed, where these loans are past due up to 30 days.
Chapter Two
Procedure for Inclusion in and Exclusion from the Information System of the Central Credit Register (title amended; Darjaven Vestnik, issue 31 of 2012, effective as of 30 April 2012; amended; Darjaven Vestnik, issue 113 of 2025, effective as of 1 January 2026)
Article 6. (1) (Previous wording of Article 6; amended; Darjaven Vestnik, issue 31 of 2012, effective as of 30 April
2012; amended; Darjaven Vestnik, issue 37 of 2018; amended; Darjaven Vestnik, issue 35 of 2024, effective as of 1 May 2024; amended; Darjaven Vestnik, issue 97 of 2025; amended; Darjaven Vestnik, issue 113 of 2025, effective as of 1 January 2026) The institutions and entities under Article 4, paragraph 1 and the bodies under Article 4, paragraph 2 shall file a written application as per sample form to the Deputy Governor heading the BNB Banking Department for the inclusion in the Central Credit Register, which contains information on the company, registered and head office address. (2) (new; Darjaven Vestnik, issue 37 of 2018; amended; Darjaven Vestnik, issue 97 of 2025) The documents to be submitted with the application by the institutions and entities under Article 4, paragraph 1 are as follows:
(repealed; Darjaven Vestnik, issue 35 of 2024, effective as of 1 May 2024)
(amended; Darjaven Vestnik, issue 100 of 2019, effective as of 1 January 2020; amended; Darjaven Vestnik,
issue 35 of 2024, effective as of 1 May 2024; amended; Darjaven Vestnik, issue 97 of 2025) internal rules establishing the terms and procedure for providing to and receiving information from the Central Credit Register, as well as the rights and responsibilities of the authorised persons who will process, provide and receive this information, and the control over them; these rules shall include the procedure and terms for controlling the accuracy of the information provided to the BNB and for correcting the inaccurate information, as well as measures to set up, maintain and control a special register under Article 19a, paragraph 3;
(amended; Darjaven Vestnik, issue 35 of 2024, effective as of 1 May 2024; amended; Darjaven Vestnik, issue
113 of 2025, effective as of 1 January 2026) a notification on the technical and software readiness for inclusion in the information system of the Central Credit Register as per sample form.
(new; Darjaven Vestnik, issue 42 of 2019, effective as of 5 June 2019; amended; Darjaven Vestnik, issue 35 of
2024, effective as of 1 May 2024; amended; Darjaven Vestnik, issue 113 of 2025, effective as of 1 January 2026) a registration form for inclusion in the information system of the Central Credit Register as per sample form.
(new; Darjaven Vestnik, issue 35 of 2024, effective as of 1 May 2024; amended; Darjaven Vestnik, issue 97
of 2025) a document for a paid fee in accordance with the Tariff under Article 28, unless the fee has been paid electronically. (3) (new; Darjaven Vestnik, issue 31 of 2012, effective as of 30 April 2012; former paragraph 2; amended; Darjaven Vestnik, issue 37 of 2018; amended; Darjaven Vestnik, issue 42 of 2019, effective as of 5 June 2019; amended; Darjaven Vestnik, issue 100 of 2019, effective as of 1 January 2020; amended; Darjaven Vestnik, issue 101 of 2022, effective as of 1 January 2023) The application and the necessary documents under Article 2 shall be submitted by:
the institutions under Article 4, paragraph 1, items 1 and 2 within three months from the date of entry of the
institution in the relevant public register with the BNB;

3 Ordinance No 22 of the BNB
2. the institutions and entities under Article 4, paragraph 1, item 3 within three months from the date of submission
of the written notification to the BNB under Article 21, paragraph 2 and Article 42, paragraph 2 of the LPSPS;
3. the providers under Article 4, paragraph 1, item 4 within three months from the date of issuance of a licence for
the provision of crowdfunding services by the competent authority under Article 8, paragraph 3 of the Law on Public Offering of Securities.
4. (new; Darjaven Vestnik, issue 97 of 2025) the entities referred to in Article 4, paragraph 1, item 5 within three
months from the date of conclusion of a contract under Article 31, paragraph 1 of the Law on Credit Servicers and Credit Purchasers;
5. (new; Darjaven Vestnik, issue 97 of 2025) the entities referred to in Article 4, paragraph 1, item 6 within three
months from the date of entry in the register under Article 15 of the Law on Credit Servicers and Credit Purchasers. (4) (new; Darjaven Vestnik, issue 37 of 2018) The documents to be attached to the application under Article 4, paragraph 2 are as follows:

(amended; Darjaven Vestnik, issue 35 of 2024, effective as of 1 May 2024; amended; Darjaven Vestnik, issue
113 of 2025, effective as of 1 January 2026) a registration form for inclusion in the Central Credit Register according to a sample form;
(amended; Darjaven Vestnik, issue 42 of 2019, effective as of 5 June 2019; amended; Darjaven Vestnik, issue
100 of 2019, effective as of 1 January 2020; amended; Darjaven Vestnik, issue 35 of 2024, effective as of 1 May 2024) internal rules laying down the terms and procedure for obtaining and using information from the register, as well as the rights and obligations of the authorised persons who shall receive information from the register with regard to performing their duties in individual checks, and the monitoring of the work thereof, as well as measures to set up, maintain and control a special register under Article 19а, paragraph 2;
(amended; Darjaven Vestnik, issue 35 of 2024, effective as of 1 May 2024; amended; Darjaven Vestnik , issue
113 of 2025, effective as of 1 January 2026) a notification on the technical and software readiness for inclusion in the information system of the Central Credit Register as per sample form.
Article 7. (1) (amended; Darjaven Vestnik, issue 113 of 2025, effective as of 1 January 2026) When the applicant
has submitted all documents under Article 6, the date of his inclusion in the information system of the Central Credit Register and his rights to access shall be determined by an order of the Deputy Governor heading the BNB Banking Department. (2) When the applicant has not submitted the documents under Article 6 or the submitted documents contain incomplete, contradictory or inaccurate information, the BNB shall inform in writing the applicant thereof by sending a letter containing instructions for removing the inconsistencies. (3) (new; Darjaven Vestnik, issue 31 of 2012, effective as of 30 April 2012; amended; Darjaven Vestnik, issue 81 of 2016, effective as of 1 January 2017; amended; Darjaven Vestnik, issue 37 of 2018; amended; Darjaven Vestnik, issue 97 of 2025, amended; Darjaven Vestnik, issue 113 of 2025, effective as of 1 January 2026) The institutions, entities and bodies under Article 4 shall within 15 days notify the Central Credit Register at the BNB about any change in the information and documents that has occurred following their entry into the Central Credit Register and shall enclose certified copies of the documents evidencing the change. (4) (new; Darjaven Vestnik, issue 97 of 2025, amended; Darjaven Vestnik, issue 113 of 2025, effective as of 1 January 2026) Following their entry in the Central Credit Register, the institutions and entities referred to in Article 4, paragraph 1 shall frontload data in the Central Credit Register within 30 days from the date of entry, as appointed by an order under paragraph 1. Where institutions and entities referred to in Article 4, paragraph 1 have not started operating by the date of entry in the information system, the frontloading of data in the Central Credit Register shall be done within the statutory deadline for commencement of operations pursuant to a license or permission for registration.
Article 8. (1) (amended; Darjaven Vestnik, issue 31 of 2012, effective as of 30 April 2012; previous wording of Article 8; Darjaven Vestnik, issue 21 of 2017; amended; Darjaven Vestnik, issue 37 of 2018; amended; Darjaven Vestnik,
issue 101 of 2022, effective as of 1 January 2023; amended; Darjaven Vestnik, issue 97 of 2025; amended; Darjaven Vestnik, issue 113 of 2025, effective as of 1 January 2026) Institutions and entities under Article 4, paragraph 1 shall be excluded from the Central Credit Register in the following cases:
(amended; Darjaven Vestnik, issue 21 of 2017) a deletion of a bank or a foreign bank branch from the Commercial Register;
a deletion of a financial institution registration under Article 9 of Ordinance No 26 of the BNB on Financial
Institutions;
(repealed; Darjaven Vestnik, issue 21 of 2017);
(new; Darjaven Vestnik, issue 31 of 2012, effective as of 30 April 2012; repealed, Darjaven Vestnik, issue 93 of
2015);
(new; Darjaven Vestnik, issue 31 of 2012, effective as of 30 April 2012; amended, Darjaven Vestnik, issue 21
of 2017; amended; Darjaven Vestnik, issue 37 of 2018; amended; Darjaven Vestnik, issue 42 of 2019, effective as of 5 June 2019; amended; Darjaven Vestnik, issue 35 of 2024, effective as of 1 May 2024) withdrawal or cancellation of a license of a payment institution or electronic money institution under the LPSPS, or in the cases where payment institution or electronic money institution conducts no activity under Article 21 of the LPSPS for more than 12 months or in case of suspension of activities as a result of transformation;
(new; Darjaven Vestnik, issue 31 of 2012, effective as of 30 April 2012; repealed, Darjaven Vestnik, issue 21 of
2017).

4 Ordinance No 22 of the BNB
7. (new; Darjaven Vestnik, issue 101 of 2022, effective as of 1 January 2023) in case of revocation of a license of
a crowdfunding service provider by the competent authority under Article 8, paragraph 3 of the Law on Public Offering of Securities.
8. (new; Darjaven Vestnik, issue 97 of 2025) in case of revocation of a license of a credit servicer pursuant to Article
14 of the Law on Credit Servicers and Credit Purchasers;
9. (new; Darjaven Vestnik, issue 97 of 2025) in case of a transfer by a credit purchaser under Article 7 of the Law
on Credit Servicers and Credit Purchasers of all claims on non-performing loans acquired by the credit purchaser and provided by credit institutions to another credit purchaser; (2) (new; Darjaven Vestnik, issue 21 of 2017) A bank with revoked or cancelled license shall have a limited access to the information of the register. (3) (new; Darjaven Vestnik, issue 37 of 2018; amended; Darjaven Vestnik, issue 113 of 2025, effective as of 1 January 2026) Bodies under Article 4, paragraph 2 shall be excluded from the information system of the Central Credit Register in the event of a deletion of the legal entity or termination of activity.
Article 9. (1) (amended; Darjaven Vestnik, issue 31 of 2012, effective as of 30 April 2012; previous wording of
Article 9, issue 93 of 2015; amended; Darjaven Vestnik, issue 113 of 2025, effective as of 1 January 2026) The exclusion from the information system of the Central Credit Register shall be effected by an order of the Deputy Governor
heading the BNB Banking Department, with the date of exclusion specified in this order.
(2) (new; Darjaven Vestnik, issue 93 of 2015; amended; Darjaven Vestnik, issue 37 of 2018; доп. – ДВ, бр. 97 от 2025 г.; amended; Darjaven Vestnik, issue 113 of 2025, effective as of 1 January 2026) Подуправителят, ръководещ управление „Банково“ на БНБ, издава указания за реда за включване, правила за работа и за изключване на институции, лица и органи по чл. 4 от информационната система на Централния кредитен регистър.
Chapter Three
Provision and Correction of Information in the Central Credit Register
Article 10. (1) (amended; Darjaven Vestnik, issue 31 of 2012, effective as of 30 April 2012; amended; Darjaven
Vestnik, issue 37 of 2018; amended; Darjaven Vestnik, issue 97 of 2025, effective as of 1 February 2026) Institutions and entities under Article 4, paragraph 1 shall collect and submit to the Central Credit Register on an electronic carrier information on all loans of their customers and on any changes which have occurred in these loans. (2) (amended; Darjaven Vestnik, issue 31 of 2012, effective as of 30 April 2012; amended; Darjaven Vestnik, issue 37 of 2018; amended; Darjaven Vestnik, issue 97 of 2025, effective as of 1 February 2026) Upon conclusion of a new loan agreement or amendment to a concluded loan agreement institutions and entities under Article 4, paragraph 1 shall provide information to the Central Credit Register within two business days from the date of concluding the loan agreement or from the date of the amendment thereto. (3) (amended; Darjaven Vestnik, issue 31 of 2012, effective as of 30 April 2012; amended; Darjaven Vestnik, issue 37 of 2018; amended; Darjaven Vestnik, issue 42 of 2019, effective as of 5 June 2019; amended; Darjaven Vestnik, issue 97 of 2025) Institutions and entities under Article 4, paragraph 1 shall provide by the fifteenth day of the month following the reporting period information on the state of all active loans of their customers by the last day of the reporting month. They shall also provide within the same term information on the corrections made on loans of their customers for previous reporting periods.
Article 11. (1) (amended; Darjaven Vestnik, issue 93 of 2015) The debt amount on each individual loan shall be
determined as the sum of principal, interest accrued, fees, commissions and other expenses on the loan, as well as value added tax due under the lease agreement. (2) (amended; Darjaven Vestnik, issue 113 of 2025, effective as of 1 January 2026) Foreign currency loans shall be recalculated in euro at the exchange rate quoted by the Bulgarian National Bank.
Article 12. (amended; Darjaven Vestnik, issue 31 of 2012, effective as of 30 April 2012; repealed; Darjaven Vestnik, issue 93 of 2015)
Article 13. (repealed, Darjaven Vestnik, issue 93 of 2015)
Article 14. In case of syndicated loans, any creditor bank or financial institution shall submit information to the
Central Credit Register on its own share of the loan.
Article 15. (amended; Darjaven Vestnik, issue 31 of 2012, effective as of 30 April 2012; amended; Darjaven Vestnik, issue 101 of 2022, effective as of 1 January 2023) (1) (amended; Darjaven Vestnik, issue 37 of 2018) Where an
institution under Article 4, paragraph 1, items 1 to 3 has transferred its claim on a loan to a person who is not a bank or a financial institution, a payment institution or an electronic money institution, but continues to service and administer the repayment of the loan, information on this loan and changes thereto shall be submitted to the Central Credit Register by the bank or the financial institution, the payment institution or the electronic money institution which has transferred the claim on the loan. (2) (amended; Darjaven Vestnik, issue 37 of 2018) Where an institution under Article 4, paragraph 1, items 1 to 3 has transferred its claim on a loan to another bank or financial institution, a payment institution or an electronic money institution, but it continues to service and administer the repayment of the loan, information on this loan and the changes thereto shall be submitted to the Central Credit Register by the bank or the financial institution, the payment institution or the electronic money institution which has acquired the claim on the loan.

5 Ordinance No 22 of the BNB
(3) (new; Darjaven Vestnik, issue 101 of 2022, effective as of 1 January 2023) Where a provider under Article 4, paragraph 1, item 4 has transferred an existing contract to another crowdfunding service provider, in the cases under
Article 212а2
, paragraph 1, item 9 of the Law on Public Offering of Securities, the transferring crowdservice provider shall submit information to the Central Credit Register about this contract and the amendments thereto.
Article 16. (1) Identification of the customers in the Central Credit Register shall be effected through the following
identification codes:

for customers – natural persons: the unified registration number (URN);
(amended; Darjaven Vestnik, issue 93 of 2015; amended; Darjaven Vestnik, issue 113 of 2025, effective as of 1
January 2026) for customers – sole proprietors and legal entities: the unified identification code, the BULSTAT code or the personal identification code assigned by the Registry Agency to other entities and structures, subject to registration in the Commercial Register, the Register of non-profit legal entities and the BULSTAT register, as laid down by law;
(amended; Darjaven Vestnik, issue 100 of 2019, effective as of 1 January 2020; amended; Darjaven Vestnik,
issue 35 of 2024, effective as of 1 May 2024; amended; Darjaven Vestnik, issue 113 of 2025, effective as of 1 January

for customers – non-resident natural persons who have not been issued a unified registration number under
the procedure set by the competent Bulgarian authorities, the identification code in the Central Credit Register shall be determined based on a personal number (PN), a personal number of a foreigner (PNF), а national identifier, а concatenated identifier or other data from an identity document: date of birth, country of birth, citizenship and country of residence, and for non-resident legal entities which have not been registered in the country – with a tax number for foreign persons from the European Union or with a registration code in the respective country of registered office of the person. (2) Any other particulars as stated in the instruction on the enforcement of this Ordinance may also be recorded in the Central Credit Register.
Article 17. (1) (amended; Darjaven Vestnik, issue 31 of 2012, effective as of 30 April 2012; amended; Darjaven
Vestnik, issue 37 of 2018; amended; Darjaven Vestnik, issue 97 of 2025) The Bulgarian National Bank may not correct the information as submitted by institutions and entities under Article 4, paragraph 1 to the Central Credit Register. (2) (amended; Darjaven Vestnik, issue 31 of 2012, effective as of 30 April 2012; amended; Darjaven Vestnik, issue 37 of 2018; amended; Darjaven Vestnik, issue 91 of 2021; amended; Darjaven Vestnik, issue 35 of 2024, effective as of 1 May 2024; amended; Darjaven Vestnik, issue 97 of 2025) Institutions and entities under Article 4, paragraph 1 shall be liable for the accurate, complete and duly provided information under this Ordinance, as well as for compliance with the requirements for personal data protection. (3) (new ; Darjaven Vestnik, issue 35 of 2024, effective as of 1 May 2024; amended; Darjaven Vestnik, issue 97 of 2025) The information submitted by the institutions and entities under Article 4, paragraph 1 to the register shall correspond to the data maintained in their information systems.
Article 18. (1) (amended; Darjaven Vestnik, issue 31 of 2012, effective as of 30 April 2012; amended; Darjaven
Vestnik, issue 21 of 2017; amended; Darjaven Vestnik, issue 35 of 2024, effective as of 1 May 2024) A bank with a registered office in the Republic of Bulgaria, which has been declared insolvent or in liquidation, shall submit information to the Central Credit Register under the procedure established in this Ordinance until the date of Court ruling on its deletion from the Commercial Register. (2) (amended; Darjaven Vestnik, issue 81 of 2016, effective as of 1 January 2017) In case of bankruptcy or liquidation of a bank or financial institution with a registered office in a Member State or a bank with a registered office in a third state operating in the Republic of Bulgaria through a branch, as well as in case of a decision for closing a branch of a bank or financial institution with a registered office in a Member State or a bank with a registered office in a third state, information to the Central Credit Register shall be provided until its deletion from the respective public register in the state where the bank or financial institution has been registered, until the deletion of the branch, accordingly. (3) (new; Darjaven Vestnik, issue 35 of 2024, effective as of 1 May 2024) A bank which has been declared insolvent or is in liquidation shall have a limited access to the information in the register. (4) (new; Darjaven Vestnik, issue 35 of 2024, effective as of 1 May 2024) In case of transformation of a bank under the LCI, information shall be submitted to the register by the date of completion of the data transfer in accordance with the instructions to the Ordinance. (5) (new; Darjaven Vestnik, issue 35 of 2024, effective as of 1 May 2024) In case of transformation of a payment institution or an electronic money institution under Article 16a of the LPSPS, information shall be submitted to the register by the date of completion of the data transfer in accordance with instructions to the Ordinance. (6) (New; Darjaven Vestnik, issue 97 of 2025) In case of a transformation of a financial institution under the procedure of the Commerce Act, information shall be submitted to the register by the date of completion of the data transfer in accordance with the instructions to the Ordinance.
Chapter Four
Terms and Procedure for Obtaining Information from the Central Credit Register
Article 19. (1) (amended; Darjaven Vestnik, issue 31 of 2012, effective as of 30 April 2012; amended; Darjaven
Vestnik, issue 81 of 2016, effective as of 1 January 2017; amended; Darjaven Vestnik, issue 37 of 2018; amended; Darjaven Vestnik, issue 35 of 2024, effective as of 1 May 2024; amended; Darjaven Vestnik, issue 97 of 2025) The

6 Ordinance No 22 of the BNB
Central Credit Register shall provide institutions and entities under Article 4, paragraph 1 with information on customer debt by accessing the register electronically subject to payment of a fee, in accordance with the Tariff under Article 28. (2) (amended; Darjaven Vestnik, issue 97 of 2025) The information on loan indebtedness shall be provided to the institutions and entities referred to in Article 4, paragraph 1, as well as to natural and legal entities, and shall include data on the current status of loans and arrears on active and repaid loans for a five-year historical period, on new credit agreements concluded, as well as data on co-debtors and loan guarantors. The statement reflects the information available at the time of its preparation, based on the data submitted to the register by the institutions and entities referred to in Article 4, paragraph 1, within the deadlines specified in Article 10. (3) (amended; Darjaven Vestnik, issue 31 of 2012, effective as of 30 April 2012; amended; Darjaven Vestnik, issue 37 of 2018; amended; Darjaven Vestnik, issue 97 of 2025) Institutions and entities under Article 4, paragraph 1 shall pay a fee for the statements on loan indebtedness of their customers issued until the fifteenth day of the month following the reporting month. (4) (amended; Darjaven Vestnik, issue 31 of 2012, effective as of 30 April 2012; amended; Darjaven Vestnik, issue 37 of 2018; amended; Darjaven Vestnik, issue 97 of 2025) The managers and representatives of the institutions, entities, and bodies referred to in Article 4, as well as officials authorised by them under an employment or civil service relationship who receive and use information from the Central Credit Register, shall sign a declaration to keep banking, professional, and commercial secrecy, except in cases where such circumstances are provided for by the relevant law. They shall not disclose and submit information from the Central Credit Register to third persons and use it for commercial purposes, including as consolidated data. (5) (amended; Darjaven Vestnik, issue 31 of 2012, effective as of 30 April 2012; amended; Darjaven Vestnik, issue 37 of 2018.; amended; Darjaven Vestnik, issue 35 of 2024, effective as of 1 May 2024; amended; Darjaven Vestnik, issue 97 of 2025) Institutions and entities under Article 4, paragraph 1 shall obtain and use information from the Central Credit Register to establish the loan indebtedness of their customers. (6) (amended; Darjaven Vestnik, issue 31 of 2012, effective as of 30 April 2012; amended; Darjaven Vestnik, issue 37 of 2018; amended; Darjaven Vestnik, issue 97 of 2025) The Central Credit Register shall consolidate the information on total loan indebtedness of customers on a monthly basis until the twentieth day of the month following the reporting month and shall submit it on an electronic carrier to institutions and entities under Article 4, paragraph 1.
Article 19а. (1) (new; Darjaven Vestnik, issue 81 of 2016, effective as of 1 January 2017; amended; Darjaven
Vestnik, issue 21 of 2017, amended; Darjaven Vestnik, issue 37 of 2018, effective as of 8 May 2018; former wording of
Article 19а, Darjaven Vestnik, issue 100 of 2019, effective as of 1 January 2020; amended; Darjaven Vestnik, issue101
of 2022, effective as of 1 January 2023; amended; Darjaven Vestnik, issue 35 of 2024, effective as of 1 May 2024; amended; Darjaven Vestnik, issue 97 of 2025) The Central Credit Register shall provide access to the information in the register to the managers and representatives of the institutions, entities, and authorities referred to in Article 4, or to officials authorised by them under an employment or civil service relationship , in connection with the performance of their official duties and in relation to specific checks, against payment of a fee in accordance with the Tariff under
Article 28. The right to access of the authorities referred to in Article 4, paragraph 2 shall be exercised electronically
or on a hard copy, while for institutions and entities referred to in Article 4, paragraph 1, access shall be provided only electronically. The authorities referred to in Article 4, paragraph 2 may send requests for information from the register to an e-mail address of the BNB, signed with a qualified electronic signature in accordance with the Law on Electronic Document and Electronic Certification Services. Where the request for information from the Central Credit Register submitted by the authorities referred to in Article 4, paragraph 2 does not contain the data required for identification of the person under Article 16, the BNB shall inform the applicant in writing of the reasons for not issuing the statement. (2) (new, Darjaven Vestnik, issue 97 of 2025) The Central Credit Register provides the authorities referred to in Article 4, paragraph 2 with information on individuals’ loan indebtedness, which includes data specified in the instructions on the enactment of this Ordinance. (3) (new, Darjaven Vestnik, issue 100 of 2019, effective as of 1 January 2020; former paragraph 2; amended; Darjaven Vestnik, issue 97 of 2025) The institutions, entities and authorities referred to in Article 4 shall establish and maintain a special register under Article 56, paragraph 14 of the LCI, in which they register the data on the checks conducted electronically and on a hard copy in the Central Credit Register and the records in this register shall be stored for a period of five years from the date of the check under paragraph 1. The special register is subject to minimum content requirements, which are specified in the instructions on the enactment of this Ordinance.
Article 20. (amended; Darjaven Vestnik, issue 31 of 2012, effective as of 30 April 2012; amended; Darjaven Vestnik, issue 37 of 2018; amended; Darjaven Vestnik, issue 97 of 2025) The monthly information on loans provided by
institutions and entities under Article 4, paragraph 1 shall be stored in the Central Credit Register for a term of five years from the reporting period the information refers to.
Article 21. (1) (amended; Darjaven Vestnik, issue 31 of 2012, effective as of 30 April 2012; amended; Darjaven
Vestnik, issue 81 of 2016, effective as of 1 January 2017; amended; Darjaven Vestnik, issue 37 of 2018; amended; Darjaven Vestnik, issue 97 of 2025) Any person shall have the right to request from the Bulgarian National Bank information on his/her loan indebtedness contained in the Central Credit Register, including the names of the institutions and entities under Article 4, paragraph 1 which have submitted information to the register system. (2) (new; Darjaven Vestnik, issue 81 of 2016, effective as of 1 January 2017; amended; Darjaven Vestnik, issue 42 of 2019, effective as of 5 June 2019; amended; Darjaven Vestnik, issue 35 of 2024, effective as of 1 May 2024) The information under paragraph 1 shall be made available free of charge to individuals within 14 days, and in other cases,

7 Ordinance No 22 of the BNB against payment of a fee. The information under paragraph 1 shall be provided to natural and legal entities and within 7 working days, up to 24 hours or 4 business hours against payment of a fee in accordance with the Tariff referred to in Article 28. (3) (amended; Darjaven Vestnik, issue 31 of 2012, effective as of 30 April 2012; former paragraph 2; Darjaven Vestnik, issue 81 of 2016, effective as of 1 January 2017; amended; Darjaven Vestnik, issue 37 of 2018; amended; Darjaven Vestnik, issue 35 of 2024, effective as of 1 May 2024; amended; Darjaven Vestnik, issue 97 of 2025) Any person shall have the right to require information on his/her loan indebtedness also from the institutions and entities under Article 4, paragraph 1 which have submitted information thereon to the Central Credit Register. (4) (former paragraph 3; amended; Darjaven Vestnik, issue 81 of 2016, effective as of 1 January 2017) In case of death of a natural person, his heirs may request information on the loan indebtedness of the legator pursuant to paragraphs 1 to 3 upon submitting a certificate of inheritance.
Article 21а. (new; Darjaven Vestnik, issue 91 of 2021) (1) (amended; Darjaven Vestnik, issue 97 of 2025) Any
natural person shall have the right to request from the Bulgarian National Bank information about the institutions and entities under Article 4, paragraph 1, that have accessed his personal data, according to Article 15, paragraph 1 (c) of Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016 on the protection of natural persons with regard to the processing of personal data and on the free movement of such data, and repealing Directive 95/46/EC. (3) (new; State Gazette, issue 35 of 2024, effective as of 1 May 2024) The information referred to in paragraph 1 shall be provided free of charge to natural persons within 14 days. As regards requests for information within seven working days, Article 28 shall apply accordingly and the fee in accordance with the Tariff under this Article shall be paid. (4) (new; Darjaven Vestnik, issue 97 of 2025) The information under paragraph 1 shall be stored for a period of five years from the date of the check under paragraph 1.
Article 22. (1) (amended; State Gazette, issue 35 of 2024, effective as of 1 May 2024) The right under Article 21,
paragraph 1 shall be exercised by filing an application in writing to the Bulgarian National Bank. The application shall include data from applicant’s identity document and shall specify the manner of submitting the information to the applicant – personally or by mail. The application may be signed by a qualified electronic signature as provided for in the Law on Electronic Document and Electronic Certification Services (LEDECS) by the applicant and sent by e-mail. Upon filing the application in the BNB, the applicant or the person authorised by him shall identify themselves by submitting an identity document. (2) (amended; Darjaven Vestnik, issue 31 of 2012, effective as of 30 April 2012; amended; Darjaven Vestnik, issue 97 of 2025) The application for information about a natural person shall be personally filed by the applicant or by his representative explicitly authorised by notary verified power of attorney issued to serve before the Central Credit Register, which shall be attached to the application. (3) Where information about a legal entity is requested, the application under paragraph 1 shall be submitted by the persons authorised to represent this legal entity or by the person explicitly authorised by him. The following documents shall be enclosed to the application:

(amended; Darjaven Vestnik, issue 35 of 2024, effective as of 1 May 2024) a copy of a current certificate of
registration or UIC of the applicant shall be indicated;
(amended; Darjaven Vestnik, issue 113 of 2025, effective as of 1 January 2026) a current status certificate of
the entities which are not recorded in the Commercial Register and the Register of non-profit legal entities and the BULSTAT register;
(amended; Darjaven Vestnik, issue 31 of 2012, effective as of 30 April 2012) an explicitly notary certified power
of attorney issued in favour of the authorized person to serve before the Central Credit Register in case the application is not to be filed by the representatives. (4) Non-residents shall attach to the application under paragraph 1 the following documents:
an updated document on registration of the legal entity – the applicant, a legalized translation in Bulgarian;
(amended; Darjaven Vestnik, issue 31 of 2012, effective as of 30 April 2012) an explicitly notary certified power of
attorney issued in favour of the authorised person to serve before the Central Credit Register, provided the application has not been filed personally; if the power of attorney has been certified by a notary public outside the Republic of Bulgaria, a legalized translation in Bulgarian shall be submitted. (5) (amended; Darjaven Vestnik, issue 93 of 2015) The documents under paragraph 2, paragraph 3, item 3 and paragraph 4 shall be original or notary certified copies. (6) (new; Darjaven Vestnik, issue 31 of 2012, effective as of 30 April 2012) Where the application is submitted by mail, the applicant’s signature shall be certified by a notary. (7) (new; Darjaven Vestnik, issue 42 of 2019, effective as of 5 June 2019) An application for information to be obtained from the Register electronically shall be filed personally by a natural person holding a qualified certificate of qualified electronic signature (QCQES) issued by a registered certification service provider under the Law on Electronic Document and Electronic Certification Services. The QCQES shall specify the natural person’s identifier (identity number) . (8) (new; Darjaven Vestnik, issue 42 of 2019, effective as of 5 June 2019; amended; Darjaven Vestnik, issue 91 of 2021; amended; Darjaven Vestnik, issue 35 of 2024, effective 1 May 2024) The fee due for an application under paragraph 7 shall be paid through a virtual POS terminal in accordance with the Tariff under Article 28.

8 Ordinance No 22 of the BNB
Article 23. (1) (amended; Darjaven Vestnik, issue 31 of 2012, effective as of 30 April 2012; amended, issue 93 of
2015; amended; Darjaven Vestnik, issue 35 of 2024, effective as of 1 May 2024) The information under Article 21, paragraph 1 and Article 21а, paragraph 1 shall be provided in writing against signature to the applicant, to a person authorized by the applicant by an explicitly notary certified power of attorney issued to serve before the Central Credit Register or to a third person entered explicitly in the application as a recipient of the information. In submitting the statement the recipient shall identify himself by presenting an identity document. (2) (amended; Darjaven Vestnik, issue 93 of 2015; amended; Darjaven Vestnik, issue 35 of 2024, effective as of 1 May 2024) The information under Article 21, paragraph 1 and Article 21а, paragraph 1 may also be sent to the applicant by registered mail to the address specified by the applicant, as well as to a third person entered explicitly in the application as a recipient of the information. (3) (amended; Darjaven Vestnik, issue 93 of 2015; amended; Darjaven Vestnik, issue 81 of 2016, effective as of 1 January 2017; amended; Darjaven Vestnik, issue 42 of 2019, effective as of 5 June 2019; amended; Darjaven Vestnik, issue 97 of 2025) The Bulgarian National Bank shall prepare the required information if the applicant has provided the necessary documents. In case the application does not meet the requirements of this Ordinance, the applicant shall be notified that the information from the register will be provided after the removal of the deficiencies. In case of refusal, this shall be communicated to the applicant in writing, stating the reasons thereof. (4) (new; Darjaven Vestnik, issue 42 of 2019, effective as of 5 June 2019; amended; Darjaven Vestnik, issue 91 of 2021; amended; Darjaven Vestnik, issue 35 of 2024, effective as of 1 May 2024; amended; Darjaven Vestnik, issue 113 of 2025, effective as of 1 January 2026) A natural person shall obtain an electronic statement through the Central Credit Register within the time limit set out in Article 21, paragraph 2 and Article 21a, paragraph 3.
Article 24. (1) (amended; Darjaven Vestnik, issue 31 of 2012, effective as of 30 April 2012; amended; Darjaven
Vestnik, issue 37 of 2018; amended; Darjaven Vestnik, issue 97 of 2025) Where a person discovers data held about him/herself in the Central Credit Register to be incorrect, that person may request in writing from the institution and/ or the entity under Article 4, paragraph 1 which has entered the information in the register to correct the established inaccuracy. (2) (amended; Darjaven Vestnik, issue 31 of 2012, effective as of 30 April 2012; amended; Darjaven Vestnik, issue 37 of 2018.; amended; Darjaven Vestnik, issue 97 of 2025) Within seven business days after the receipt of the application, the institution and/or the entity under Article 4, paragraph 1 shall be obliged to examine the request and reply to the applicant in writing. (3) (amended; Darjaven Vestnik, issue 31 of 2012, effective as of 30 April 2012; amended; Darjaven Vestnik, issue 37 of 2018; amended; Darjaven Vestnik, issue 97 of 2025; amended; Darjaven Vestnik, issue 113 of 2025, effective as of 1 January 2026) Where the request is justified, the institution and/or the entity under Article 4, paragraph 1 shall, under the term and procedure of Article 10, paragraph 3, make the correction and submit the corrected data to the Central Credit Register. (4) (amended; Darjaven Vestnik, issue 31 of 2012, effective as of 30 April 2012); repealed; Darjaven Vestnik, issue 93 of 2015) (5) (new; Darjaven Vestnik, issue 97 of 2025, effective as of 1 January 2026) Where a client of an institution or entity referred to in Article 4, paragraph 1 challenges, through judicial or administrative proceedings, any data concerning them recorded in the Central Credit Register, the institution or entity referred to in Article 4, paragraph 1 shall record in the Central Credit Register any information relating to an effective court judgement or administrative act within the time limits specified in Article 10. (6) (new; Darjaven Vestnik, issue 97 of 2025, effective as of 1 January 2026; amended Darjaven Vestnik, issue 113 of 2025, effective as of 1 January 2026) Where there are grounds to do so, the institution or entity referred to in
Article 4, paragraph 1 shall, if necessary, make a correction and, within the time limits specified in Article 10, submit
the corrected data to the Central Credit Register in accordance with the effective court judgement or administrative act. (7) (new; Darjaven Vestnik, issue 97 of 2025, effective as of 1 January 2026; amended Darjaven Vestnik, issue 113 of 2025, effective as of 1 January 2026) Where there is an effective court judgement to invalidate a credit obligation, a customer of an institution or entity referred to in Article 4, paragraph 1 shall have the right to submit a request to the institution or entity to record the court judgement in the Central Credit Register within the period specified in Article 10, paragraph 2. (8) (new; Darjaven Vestnik, issue 97 of 2025, effective as of 1 January 2026; amended; Darjaven Vestnik, issue 113 of 2025, effective as of 1 January 2026) Where an institution or an entity referred to in Article 4, paragraph 1 fails to comply with the time limit under Article 10, paragraph 2, the customer of the institution or entity referred to in Article 4, paragraph 1 shall have the right to request the BNB to record the effective court judgement in the Central Credit Register. After the decision has been recorded in the register, the institution or entity referred to in Article 4, paragraph 1 is required to make the necessary correction to the data in the Central Credit Register and to submit the corrected data along with the report for the next reporting period. (9) (Изм. – ДВ, бр. 31 от 2012 г., в сила от 30 април 2012 г.; доп. – ДВ, бр. 37 от 2018 г.; previous paragraph 5; amended; Darjaven Vestnik, issue 97 of 2025) The institution and/or the entity referred to in Article 4, paragraph 1, shall not charge a fee for reviewing the application under paragraph 1.

9 Ordinance No 22 of the BNB
Chapter Five
Control, Measures and Sanctions
Article 25. (1) (amended; Darjaven Vestnik, issue 31 of 2012, effective as of 30 April 2012.; amended; Darjaven
Vestnik, issue 35 of 2024, effective as of 1 May 2024; amended; Darjaven Vestnik, issue 97 of 2025) The Bulgarian National Bank shall control the compliance with the terms and procedure for providing and using information from the Central Credit Register, and for setting up and maintaining a special register under Article 19а, paragraph 2 by the institutions, entities and bodies under Article 4, paragraphs 1 and 2. (2) (amended; Darjaven Vestnik, issue 31 of 2012, effective as of 30 April 2012; amended, issue 93 of 2015) The Bulgarian National Bank may require additional information or any documents related to the control exercised under
Article 1, and may also carry out on-site examinations.
(3) (new; Darjaven Vestnik, issue 97 of 2025) When conducting on-site examinations pursuant to paragraph 2, the institutions, entities, and bodies referred to in Article 4 shall provide the persons authorised by an order of the Deputy Governor heading the BNB Banking Supervision Department with:

access to the office premises and information systems;
additional information, documents and assistance for the purpose of the examinations under paragraph 2.
(4) (Изм. – ДВ, бр. 31 от 2012 г., в сила от 30 април 2012 г.; изм. – ДВ, бр. 37 от 2018 г.; доп. – ДВ, бр. 100 от 2019 г., в сила от 1 януари 2020 г.; доп. – ДВ, бр. 18 от 2020 г.; изм. и доп. – ДВ, бр. 101 от 2022 г., в сила от 1 януари 2023 г.; previous paragraph 3; amended; Darjaven Vestnik, issue 97 of 2025) The institutions and entities under Article 4, paragraph 1 and Article 18, as well as the authorities under Article 4, paragraph 2 shall provide amendments to the rules under Article 6, paragraph 2, item 2 and Article 6, paragraph 4, item 2 within ten days from the date of their adoption. They shall bring in due time those rules in conformity with the regulatory changes on the activities of the Central Credit Register. (5) (Нова – ДВ, бр. 18 от 2020 г.; previous paragraph 4; amended; Darjaven Vestnik, issue 97 of 2025) Institutions, entities and bodies under Article 4, paragraphs 1 and 2 may at request obtain information from the system concerning the checks carried out in the register by persons authorised by them for a specific period of time in order to perform internal control on these persons. (6) (Нова – ДВ, бр. 35 от 2024 г., в сила от 1 май 2024 г.; previous paragraph 5; amended; Darjaven Vestnik, issue 97 of 2025) The institutions, the entities and the bodies under Article 4, paragraphs 1 and 2 shall adopt and apply internal rules for efficient control over authorised persons entitled to access to information from the register and for establishing internal organisation to comply with the requirements under Article 56, paragraphs 12 to 14 of the LCI.
Article 26. (1) (amended; Darjaven Vestnik, issue 31 of 2012, effective as of 30 April 2012; amended; Darjaven
Vestnik, issue 37 of 2018; previous wording of Article 26, Darjaven Vestnik, issue 35 of 2024, effective as of 1 July 2024); доп. – ДВ, бр. 97 от 2025 г.) Ако институция или лице under Article 4, paragraph 1 fails to submit monthly information to the Central Credit Register within the period referred to in Article 10, paragraph 3 or submits information which does not comply with the requirements of this Ordinance, the BNB shall discontinue the access to the Central Credit Register for making customer indebtedness statements until the relevant information is submitted. (2) (new, Darjaven Vestnik, issue 35 of 2024, effective as of 1 July 2024; amended; Darjaven Vestnik, issue 97 of

Where an institution or an entity under Article 4, paragraph 1 fails to submit monthly information to the Central
Credit Register within the period referred to in Article 10, paragraph 3 or submits information which does not comply with the requirements of this Ordinance, the BNB shall discontinue the access to the Central Credit Register for making customer indebtedness statements until the relevant information is submitted. (3) (new, Darjaven Vestnik, issue 97 of 2025) If an institution or entity referred to in Article 4, paragraph 1 fails to submit initial input data to the Central Credit Register within the time limit specified in Article 7, paragraph 4, the BNB shall not grant the institution or entity referred to in Article 4, paragraph 1 access to the Central Credit Register for the purpose of conducting credit indebtedness statements of clients until the relevant information is submitted. (4) (new, Darjaven Vestnik, issue 97 of 2025) If an institution or entity referred to in Article 4, paragraph 1 fails to submit current or monthly data on credit indebtedness to the Central Credit Register within 3 months from the date of the last submission pursuant to Article 10, paragraph 3, the BNB shall suspend its access to the Central Credit Register for the purpose of conducting credit indebtedness statements of clients until the relevant information is submitted.
Article 27. (amended; Darjaven Vestnik, issue 31 of 2012, effective as of 30 April 2012; amended; Darjaven
Vestnik, issue 81 of 2016 effective as of 2017; amended; issue 37 of 2018; amended; Darjaven Vestnik, 35 of 2024, effective as of 1 May 2024) Where infringements of Article 56 of the LCI or of this Ordinance are found, the fines and pecuniary sanctions as provided for in the LCI shall be imposed.
Chapter Six
Fees
(new; Darjaven Vestnik, issue 81 of 2016, effective as of 1 January 2017)
Article 28. (1) (previous wording of Article 28; Darjaven Vestnik, issue 103 of 2016, new; Darjaven Vestnik, issue 81 of 2016, effective as of 1 January 2017; amended; Darjaven Vestnik, issue 101 of 2022, effective as of 1 January 2023; amended; Darjaven Vestnik, issue 35 of 2024, effective as of 1 May 2024) The BNB shall charge fees for the
statements issued according to a Tariff published on the BNB website and customer service points.

10 Ordinance No 22 of the BNB
(2) (new; Darjaven Vestnik, issue 103 of 2016, effective as of 1 January 2017; amended; Darjaven Vestnik, issue 37 of 2018; amended; Darjaven Vestnik, issue 97 of 2025) The fee for providing information from the Register in hardcopy form shall be paid in advance, except in the cases referred to in Article 56, paragraph 7 of the LCI. (3) (new; Darjaven Vestnik, issue 103 of 2016, effective as of 1 January 2017; amended; Darjaven Vestnik, issue 37 of 2018; amended; Darjaven Vestnik, issue 97 of 2025) In the cases referred to in Article 56, paragraph 7 of the Law on Credit Institutions, the due fees shall be paid quarterly, and for institutions and entities under Article 4, paragraph 1, on a monthly basis, following the issue of invoices. (4) (new; Darjaven Vestnik, issue 37 of 2018; amended; Darjaven Vestnik, issue 42 of 2019, effective 5 June 2019; amended; Darjaven Vestnik, issue 35 of 2024, effective as of 1 May 2024) The time limits for issuing statements shall be within the working time after the application for issuing a statement and the documents required have been registered at the BNB, and where the electronic application under Article 22, paragraph 7 has been filed after the end of the working time, the time limits shall begin to run from the following business day. The time limit for issuing a statement does not include the time for its delivery by post. (5) (new; Darjaven Vestnik, issue 101 of 2020, effective as of 1 December 2020; amended; Darjaven Vestnik, issue 91 of 2021; amended; Darjaven Vestnik, issue 35 of 2024, effective as of 1 May 2024) During an emergency epidemic situation, introduced under Article 63, paragraph 2 of the Health Law, BNB may suspend the issuance of hard copy for a period of 24 hours and four business hours statements under paragraph 1, items 4 and 5 and introduce an additional service of issuing a hard copy statement within 3 working days against a fee in accordance with the Tariff under paragraph 1. (6) (new; Darjaven Vestnik, issue 35 of 2024, effective as of 1 May 2024; amended; Darjaven Vestnik, issue 97 of
2025) A fee shall be collected in accordance with the Tariff under paragraph 1 for granting institutions under Article 4,
paragraph 1 electronic access to the register, and for restoring electronic access to the register for institutions and entities under Article 4, paragraph 1.
Article 29. (new; Darjaven Vestnik, issue 103 of 2016, effective as of 1 January 2017; amended; Darjaven Vestnik,
issue 35 of 2024, effective as of 1 May 2024) The fees in accordance with the Tariff under Article 28 shall be based on the methodology referred to in the Appendix to this Ordinance. The methodology takes into account the estimated operating and maintenance costs of the register and the estimated number of statements for the respective calendar year. Additional Provision § 1. Within the meanings of this Ordinance:

(amended, Darjaven Vestnik, issue 31 of 2012, effective as of 30 April 2012; amended; Darjaven Vestnik,
issue 37 of 2018; amended; Darjaven Vestnik, issue 97 of 2025) ‘Customer’ shall be any natural person or legal entity, except for a bank, which is or wishes to be a party to legal relationship with an institution or an entity under Article 4, paragraph 1 in connection with drawing a credit.
(amended; Darjaven Vestnik, issue 31 of 2012, effective as of 30 April 2012; amended; Darjaven Vestnik,
issue 93 of 2015; amended; Darjaven Vestnik, issue 37 of 2018 amended; Darjaven Vestnik, issue 101 of 2022, effective as of 1 January 2023) ‘Credit’ shall be an extension of money loan of any type under Article 2, paragraph 2, items 6, 7 or 12 (excluding factoring and forfaiting on commercial receivables) of the Law on Credit Institutions, overdraft, loan related to payment services under Article 21 of the LPSPS, other claims and commitments undertaken irrespective of the instrument used as specified in instructions of the Deputy Governor of the BNB heading the Banking Department. Credit shall also be a loan within the meaning of Article 2, paragraph 1 (b) of Regulation (EU) 2020/1503 of the European Parliament and of the Council of 7 October 2020 on European Crowdfunding Service Providers for Business, and Amending Regulation (EU) 2017/1129 and Directive (EU) 2019/193 (Regulation (EU) 2020/1503).
(amended; Darjaven Vestnik, issue 31 of 2012, effective as of 30 April 2012; amended; Darjaven Vestnik,
issue 93 of 2015; amended; Darjaven Vestnik, issue 37 of 2018; amended; Darjaven Vestnik, issue 97 of 2025) ‘Credit indebtedness’ shall be the loan indebtedness of one natural person or legal entity to institutions and entities under
Article 4, paragraph 1 submitting information under this Ordinance.
‘Syndicated loan’ shall be a loan approved simultaneously by two or more banks, by two or more financial institutions or by banks and financial institutions.
(new; Darjaven Vestnik, issue 101 of 2022, effective as of 1 January 2023) ‘Crowdfunding service’ shall be a
concept within the meaning of Article 2, paragraph 1 (a) of Regulation (EU) 2020/1503.
(new; Darjaven Vestnik, issue 101 of 2022, effective as of 1 January 2023) ‘Crowdfunding service provider’ shall
be a concept within the meaning of Article 2, paragraph 1 (e) of Regulation (EU) 2020/1503.
(new; Darjaven Vestnik, issue 101 of 2022, effective as of 1 January 2023) ‘Investor’ shall be a concept within
the meaning of Article 2, paragraph 1 (i) of Regulation (EU) 2020/1503.
(new; Darjaven Vestnik, issue 101 of 2022, effective as of 1 January 2023) ‘Crowdfunding project’ shall be a
concept within the meaning of Article 2, paragraph 1 (l) of Regulation (EU) 2020/1503.
(new; Darjaven Vestnik, issue 113 of 2025) ‘National identifier’ shall mean a commonly used identification code
that allows the unambiguous identification of the counterparty in its country of residence.
(new; Darjaven Vestnik, issue 113 of 2025) ‘Concatenated identifier’ shall mean an identification code formed
by merging or combining (character and text strings) into a sequential series.

11 Ordinance No 22 of the BNB
Transitional and Final Provisions
§ 2. This Ordinance is issued on the grounds of Article 56, paragraph 4 and § 13 of the Law on Credit Institutions and is adopted by Decision No 88 of the Governing Council of the Bulgarian National Bank of 16 July 2009. The Ordinance shall come into force on 1 October 2009. § 3. Until enforcement of this Ordinance, banks included in the information system of the Central Credit Register shall reserve their rights and shall not file an application for inclusion under Article 6. They shall submit updated internal rules under Article 6, paragraph 1, item 2 within two months following the enforcement of this Ordinance. § 4. Banks’ subsidiary financial institutions with a main subject under Article 2, paragraph 2, item 6 and/or under
Article 3, paragraph 1, item 3 of the Law on Credit Institutions, which have received information from the Central
Credit Register through the parent bank until enforcement of this Ordinance and are subject to entry in the register under Ordinance No 26 of the BNB on Financial Institutions (Darjaven Vestnik, issue 36 of 2009), shall file an application for inclusion in the Central Credit Register under Articles 6 and 7 within two months following the enforcement of this Ordinance. The access to the Central Credit Register of the financial institutions under the preceding sentence, which have not been recorded in the register under Ordinance No 26 of the BNB on Financial Institutions or have not been included in the Central Credit Register within two months following the enforcement of this Ordinance, shall be discontinued. § 5. This Ordinance shall repeal BNB Ordinance No 22 of 1998 on the Central Credit Register of Banks (published in the Darjaven Vestnik, issue 92 of 1998; amended, issue 29 of 2004, issue 48 of 2006; amended, issue 84 of 2006; amended, issue 22 of 2007). § 6. The Deputy Governor heading the Banking Department of the Bulgarian National Bank shall issue instructions on the enactment of this Ordinance.

12 Ordinance No 22 of the BNB
Appendix No 1
to Article 29
(new; Darjaven Vestnik, issue 103 of 2016, effective as of 1 January 2017; amended; Darjaven Vestnik, issue 37 of 2018; amended; issue 42 of 2019, effective as of 5 June 2019; amended; Darjaven Vestnik, issue 110 of 2020, effective as of 1 January 2021; amended; Darjaven Vestnik, issue 35 of 2024, effective as of 1 May 2024; amended; Darjaven Vestnik, issue 97 of 2025; amended; Darjaven Vestnik, issue 113 of 2025, effective as of 1 January 2026) Methodology For Calculating the Amount of Fees for Issuing Statements from the Central Credit Register (title, amended; Darjaven Vestnik, issue 37 of 2018)

(amended; Darjaven Vestnik, issue 35 of 2024, effective as of 1 May 2024) This methodology shall set out the
terms and conditions for determining the fees under Article 28. The methodology shall be cost-oriented.
(amended; Darjaven Vestnik, issue 100 of 2019, effective as of 1 January 2020; amended; Darjaven Vestnik,
issue 110 of 2020, effective as of 1 January 2021; amended; Darjaven Vestnik, issue 35 of 2024, effective as of 1 May

The estimated operating and maintenance costs of the Register shall be calculated on an annual basis and
include costs related to the activities of the register, also taking into account the projected inflation.

(amended; Darjaven Vestnik, issue 42 of 2019, effective as of 5 June 2019; amended; Darjaven Vestnik,
issue 110 of 2020, effective as of 1 January 2021; amended; Darjaven Vestnik, issue 97 of 2025, amended; Darjaven Vestnik, issue 113 of 2025, effective as of 1 January 2026) The estimated number of statements shall be determined on the basis of an estimated number of statements conducted electronically per person by the institutions, entities and bodies under Article 4 for the calendar year.
(amended; Darjaven Vestnik, issue 37 of 2018; amended; Darjaven Vestnik, issue 42 of 2019, effective as of
5 June 2019; amended; Darjaven Vestnik, issue 110 of 2020, effective as of 1 January 2021; amended; Darjaven Vestnik, issue 35 of 2024, effective as of 1 May 2024; amended; Darjaven Vestnik, issue 97 of 2025, amended; Darjaven Vestnik, issue 113 of 2025, effective as of 1 January 2026) The amount of the fee in euro for one statement on information in the register issued electronically by the institutions, entities and bodies under Article 4 shall be defined by dividing the estimated costs under item 2 by the estimated number of statements under item 3 and by rounding the resulting amount shall be rounded to the nearest integer.
(amended; Darjaven Vestnik, issue 37 of 2018; amended; Darjaven Vestnik, issue 42 of 2019, effective as of
5 June 2019; amended; Darjaven Vestnik, issue 110 of 2020, effective as of 1 January 2021; amended; Darjaven Vestnik, issue 97 of 2025; repealed; Darjaven Vestnik, issue 113 of 2025, effective as of 1 January 2026)
(amended; Darjaven Vestnik, issue 37 of 2018; amended; Darjaven Vestnik, issue 110 of 2020, effective as of
1 January 2021; amended; Darjaven Vestnik, issue 97 of 2025) The amount of the fee for a statement of the number of checks for one credit borrower by the institutions and entities under Article 4, paragraph 1 by accessing the Central Credit Register electronically shall be identical to that of the fee for a statement under item 4.
(amended; Darjaven Vestnik, issue 37 of 2018; amended; Darjaven Vestnik, issue 113 of 2025, effective as of
1 January 2026) The amount of the fee for issuing a hard copy statement on loan indebtedness of one person within seven working days shall be established on the basis of four times the fee for an electronic statement, but not less than
1.02 euro.
(amended; Darjaven Vestnik, issue 37 of 2018) The amount of the fee for issuing a hard copy statement on loan
indebtedness of one person within 24 hours shall be established on the basis of five times the fee under item 7.
(amended; Darjaven Vestnik, issue 37 of 2018; amended; Darjaven Vestnik, issue 42 of 2019, effective as of 5
June 2019) The amount of the fee for issuing a hard copy statement on credit indebtedness of one person within four business hours shall be established on the basis of two times the fee under item 8.
(amended; Darjaven Vestnik, issue 37 of 2018) The amount of the fees thus determined for issuing hard copy
statements also includes possible postal charges for the delivery thereof.
(new; Darjaven Vestnik, issue 42 of 2019, effective as of 5 June 2019) The amount of the fee for a natural
person to obtain information from the Register electronically within seven working days shall be calculated on the basis of 50 per cent of the fee referred to in item 7.
(new; Darjaven Vestnik, issue 42 of 2019, effective as of 5 June 2019) The amount of the fee for a natural
person to obtain information from the Register electronically within 24 hours shall be calculated on the basis of 50 per cent of the fee referred to in item 8.
(new; Darjaven Vestnik, issue 42 of 2019, effective as of 5 June 2019) The amount of the fee for a natural
person to obtain information from the Register electronically within four business hours shall be calculated on the basis of 50 per cent of the fee referred to in item 9.
(new; Darjaven Vestnik, issue 35 of 2024, effective as of 1 May 2024) The amount of the fee to obtain information under Article 21а, paragraph 1 within seven business days shall be based on the amount of the fee under item 7.

13 Ordinance No 22 of the BNB
Transitional and Final Provisions to the Ordinance on Amendment to Ordinance No 22 of 2009 on the Central Credit Register (published in the Darjaven Vestnik, issue 31 of 2012, effective as of 30 April 2012) § 26. The financial institutions which have been included in the information system of the Central Credit Register and grant credit as payment institutions and electronic money institutions under Article 19 of the LPSPS shall not file an application for inclusion under Article 6, paragraph 1. They shall submit updated internal rules under Article 6, paragraph 1, item 2 within the time limits determined by the Deputy Governor heading the BNB Banking Department. § 27. This Ordinance is issued pursuant to Article 56, paragraph 4 and §13 of the Transitional and Final Provisions of the Law on Credit Institutions and is adopted by Resolution No 23 dated 5 April 2012 of the Governing Council of the Bulgarian National Bank. This Ordinance shall enter into force on 30 April 2012. Transitional and Final Provisions to the Ordinance on Amendment to Ordinance No 22 of 2009 on the Central Credit Register (published in the Darjaven Vestnik, issue 93 of 1 December 2015)
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§ 13. Financial institutions which failed to submit an application for re-registration within the deadline specified in § 80, paragraph 4 of the Law on Amendment to the Law on Credit Institutions (Darjaven Vestnik, issue 27 of 2014) and those that were denied re-registration in the register of financial institutions under Article 3a of the LCI shall be excluded from the information system of the Central Credit Register by an order specifying the date of exclusion, issued by the Deputy Governor heading the BNB Banking Department. § 14. This Ordinance is issued pursuant to Article 56, paragraph 4 and §13 of the Transitional and Final Provisions of the Law on Credit Institutions and is adopted by Resolution No 104 of 19 November 2015 of the Governing Council of the Bulgarian National Bank. Ordinance on Amendment to Ordinance No 22 of 2009 on the Central Credit Register (published in the Darjaven Vestnik, issue 81 of 14 October 2016)
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Final Provision
§ 12. This Ordinance is issued on the grounds of Article 56, paragraph 4 and § 13 of the Transitional and Final Provisions of the Law on Credit Institutions and is adopted by Resolution No 112 of the Governing Council of the Bulgarian National Bank of 29 September 2016. The Ordinance shall come into force on 1 January 2017. Ordinance on Amendment to Ordinance No 22 of 2009 on the Central Credit Register (published in the Darjaven Vestnik, issue 103 of 27 December 2016)
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Final Provision
§ 4. This Ordinance is issued on the grounds of Article 56, paragraph 4 of the Law on Credit Institutions and is adopted by Resolution No 164 of the Governing Council of the Bulgarian National Bank of 16 December 2016. The Ordinance shall enter into force on 1 January 2017.

14 Ordinance No 22 of the BNB
Ordinance on Amendment to Ordinance No 22 of 2009 on the Central Credit Register (published in the Darjaven Vestnik, issue 21 of 10 March 2017)
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Final Provision
§ 4. This Ordinance is issued on the grounds of Article 56, paragraph 4 of the Law on Credit Institutions and is adopted by Resolution No 27 of the Governing Council of the Bulgarian National Bank of 22 February 2017. Ordinance on Amendment to Ordinance No 22 of 2009 on the Central Credit Register (published in the Darjaven Vestnik, issue 37 of 4 May 2018)
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Transitional and Final Provisions
§ 23. This Ordinance is issued on the grounds of Article 56, paragraph 4 of the Law on Credit Institutions and is adopted by Resolution No 103 of the Governing Council of the Bulgarian National Bank of 18 April 2018 and shall come into force three days after its publication in the Darjaven Vestnik, except for the provision of § 2, item 2 which shall come into force on 1 January 2019 and of § 22, item 3 which shall come into force on 1 January 2017. Ordinance on Amendment to Ordinance No 22 of 2009 on the Central Credit Register (published in the Darjaven Vestnik, issue 42 of 28 May 2019)
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Transitional and Final Provisions
§ 10. Institutions under Article 4, paragraph 1 shall submit to the Central Credit Register information about persons who are co-debtors and guarantors on loans with effect from 3 September 2019. § 11. This Ordinance is issued on the grounds of Article 56, paragraph 4 of the Law on Credit Institutions and is adopted by Resolution No 176 of the Governing Council of the Bulgarian National Bank of 16 May 2019. The Ordinance shall come into force on 5 June 2019. Ordinance on Amendment to Ordinance No 22 of 2009 on the Central Credit Register (published in the Darjaven Vestnik, issue 100 of 20 December 2019)
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Final Provision
§ 6. This Ordinance is issued on the grounds of Article 56, paragraph 4 of the Law on Credit Institutions and is adopted by Resolution No 425 of the Governing Council of the Bulgarian National Bank of 12 December 2019. The Ordinance shall come into force on 1 January 2020. Ordinance on Amendment to Ordinance No 22 of 2009 on the Central Credit Register (published in the Darjaven Vestnik, issue 18 of 28 February 2020)
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Final Provision
§ 2. This Ordinance is issued on the grounds of Article 56, paragraph 4 of the Law on Credit Institutions and is adopted by Resolution No 52 of 13 February 2020 of the Governing Council of the Bulgarian National Bank.

15 Ordinance No 22 of the BNB
Ordinance on Amendment to Ordinance No 22 of 2009 on the Central Credit Register (published in the Darjaven Vestnik, issue 101 of 27 November 2020)
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Final Provision
§ 6. This Ordinance is issued on the grounds of Article 56, paragraph 4 of the Law on Credit Institutions and is adopted by Resolution No 403 of the Governing Council of the Bulgarian National Bank of 19 November 2020 and shall come into force on 1 December 2020. Ordinance on Amendment to Ordinance No 22 of 2009 on the Central Credit Register (Published in the Darjaven Vestnik, issue 110 of 29 December 2020)
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Final Provision
§ 6. This Ordinance is issued on the grounds of Article 56, paragraph 4 of the Law on Credit Institutions and is adopted by Resolution No 452 of the Governing Council of the Bulgarian National Bank of 17 December 2020 and shall come into force on 1 January 2021. Ordinance on Amendment to Ordinance No 22 of 16 July 2009 on the Central Credit Register (Published in the Darjaven Vestnik, issue 91 of 2 November 2021)
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Final Provision
§ 6. This Ordinance is issued on the grounds of Article 56, paragraph 4 of the Law on Credit Institutions and is adopted by Resolution No 326 of 20 October 2021 of the Governing Council of the Bulgarian National Bank. Ordinance on Amendment to Ordinance No 22 of 16 July 2009 on the Central Credit Register (published in the Darjaven Vestnik, issue 101 of 20 December 2022)
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Final Provision
§ 11. This Ordinance is issued on the grounds of Article 56, paragraph 4 of the Law on Credit Institutions and is adopted by Resolution No 434 of the Governing Council of the Bulgarian National Bank of 8 December 2022. The Ordinance shall come into force on 1 January 2023. Ordinance on Amendment to Ordinance No 22 of 16 July 2009 on the Central Credit Register (Published In the Darjaven Vestnik, issue 35 of 2024, effective as of 1 May 2024
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Final Provision
§ 18. ThisOrdinance is issued on the grounds of Article 56, paragraph 4 of the Law on Credit Institutions, is adopted by Resolution No 138 of 28 March 2024 of the Governing Council of the Bulgarian National Bank and shall come into force on 1 May 2024, with the exception of § 13, which shall enter into force on 1 July 2024.

16 Ordinance No 22 of the BNB
Ordinance on Amendment to Ordinance No 22 of 16 July 2009 on the Central Credit Register (published in the Darjaven Vestnik, issue 97 of 2025, effective as of 2025)
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Transitional and Final Provisions
§ 25. (1) Documents referred to in Article 6, paragraphs 1–2 and 4, as well as Article 25, paragraphs 2, 4, and 6, that are in a foreign language and submitted in accordance with this Ordinance shall be accompanied by a translation into Bulgarian. (2) The forms for initial registration and change in information shall be completed in Bulgarian, and when completed in electronic format, those shall be signed by a qualified electronic signature as provided for in the Law on Electronic Document and Electronic Certification Services. § 26. Within six months of the entry into force of the Law on Credit Servicers and Credit Purchasers, entities who carry out one or more of the activities specified in Article 6, paragraph 2 of the Law on Credit Servicers and Credit Purchasers , who are included in the information system of the Central Credit Register pursuant to Article 3a of the LCI and have submitted an application for a license under Article 9 of the Law on Credit Servicers and Credit Purchasers, shall submit and receive information from the Central Credit Register until a license or a refusal is issued pursuant to
Article 11 of the Law on Credit Servicers and Credit Purchasers.
§ 27. (1) The entities licensed under Article 9 of the Law on Credit Servicers and Credit Purchasers and included in the information system of the Central Credit Register pursuant to Article 3a of the LCI shall not apply for inclusion under Article 6 of this Ordinance. They shall submit updated internal rules under Article 6, paragraph 2, item 2 within three months of the date of issuance of the license. (2) Entities removed from the register of financial institutions pursuant to Article 3a of the LCI who have been denied a license under Article 11 of the Law on Credit Servicers and Credit Purchasers shall be excluded from the information system of the Central Credit Register by an order of the Deputy Governor heading the BNB Banking Department of the Bulgarian National Bank, specifying the date of exclusion. § 28. Within 6 months of the entry into force of the Law on Credit Servicers and Credit Purchasers, credit purchasers under Article 7 of the Law on Credit Servicers and Credit Purchasers acquiring claims on non-performing loans provided by credit institutions shall submit an application and documents for inclusion in the information system of the Central Credit Register. § 29. This Ordinance shall be issued on the basis of Article 56, paragraph 4 of the Law on Credit Institutions, adopted by Resolution No 491 of 27 October 2025 of the Governing Council of the Bulgarian National Bank and shall enter into force on the date of its publication in Darjaven Vestnik, with the exception of § 9, item 2, (b), which shall enter into force on 1 February 2026, as well as the provision of § 19, item 2, which shall enter into force on 1 January 2026. Ordinance on Amendment of Ordinance No 22 of 16 July 2009 on the Central Credit Register (published in the Darjaven Vestnik, issue 113 of 2025, effective as of 1 January 2026)
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Final Provision
§ 15. This Ordinance is issued on the grounds of Article 56, paragraph 4 of the Law on Credit Institutions and is adopted by Resolution No 622 of the Governing Council of the Bulgarian National Bank of 12 December 2025. The Ordinance shall come into force on 1 January 2026.

Ordinance No. 22 of the BNB of 16 July 2009 on the Central Credit Register

Lineage: In force