The Bank of Greece has officially launched the Central Credit Register (CCR), an electronic database that compiles granular, lender-reported information on credit granted in Greece. Borrowers can obtain a free online Credit Report giving a consolidated view of their credit profile and can request free online amendments to reported data, while connected lenders can use CCR information to improve creditworthiness checks and credit risk management. The CCR collects and stores monthly data on any form of credit at or above EUR 2,000 per lender and borrower for natural persons and sole proprietors, and EUR 5,000 for legal persons, covering items such as payment history, collateral and other credit-related information across products including housing, consumer and business loans, leasing and factoring. Reporting applies to credit and other financial institutions with registered offices in Greece (including their branches abroad) and branches in Greece of foreign institutions, as well as entities such as factoring and leasing companies, credit servicing firms, institutions under liquidation and other financial institutions; borrower identification and general information are cross-checked against government sources including the Independent Authority for Public Revenue, the General Commercial Register and the Public Employment Service. Data become available 25 working days after the end of the reporting month, with 31 December 2025 submissions becoming available after 6 February 2026. The Bank of Greece acts as designer, operator and data controller for the CCR, which was co-financed by the European Union’s Next Generation EU programme; the project remains ongoing, with completion of reporting by servicers and financial institutions under liquidation expected in the period ahead.

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