Test modules and components

CIP Circular 10/23 CENTRAL CREDIT REGISTER – Update to Change Roadmap, provided the most recent update on the Central Credit Register Change Roadmap. In December 2023, CIP Circular 21/23 CENTRAL CREDIT REGISTER – Update Regarding Guarantor Data and CIP Self-Service Deletions advised that the indicative date of December 2023 for implementation plans for those changes would not be achieved.

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Owing to the ongoing scoping of changes, it is necessary to make a revision to timelines for the Guarantor Data, Self-Service Deletions and Self-Service Portal changes.

Planned changes:

A. Breakdown of Product Type

There is no revision to the timeline for the go-live of the Breakdown of Product Type change which will apply on a prospective basis for credit agreements and credit applications from 01 March 2024. This change will be applied to production at 17:30 on Thursday 29 February 2024, and there is no system downtime associated with this change.

CIP Circulars were issued in the course of 2023 regarding this change, and updated CCR A2A Enquiry Manual and CCR Submission Manual are available in the lender area of the Central Credit Register website.

B. Guarantor Data

The publication of updates to the CCR Handbook is expected in March 2024 and will provide the reporting requirements for this change.  Submission of guarantor data will apply on a prospective basis only, for qualifying credit applications made, or credit agreements entered into, on or after 1 February 2025.

C. Self-Service Deletions

A new file type will be designed to enable a CIP to annul an entire contract or single monthly contract snapshot(s) for those contracts which they have already submitted to the Central Credit Register. The existing process for Submission of File Type 0, 1 or 2 files will remain unchanged.

The publication of updates to the CCR Handbook, information regarding a testing window, and a planned information session for this change will be circulated the week commencing 25 March 2024. CIPs may begin to use Self-Service Deletions from 19 June 2024 and the mandatory use will be from 01 October 2024.

D. Self-Service Portal

This change is to develop a portal to support a CIP view of the data they have supplied to the Central Credit Register. Feedback was sought during 2023 in relation to the proposal for Self-Service Portal which continues to be considered for this change. Based on the feedback received and further analysis required in the scoping, the Central Credit Register intends to expand the scoping timeframe for this change, before confirming an updated date for the implementation plans for this change.

E. PPSN Checker

An amendment to Schedule 5 of the Social Welfare Consolidation Act 2005 now includes the Central Bank as a specified body when carrying out its functions in relation to the Central Credit Register. This development will support the Central Credit Register implementing technical changes to validate certain personal information including the PPSN provided by a CIP. The Central Credit Register will communicate an implementation plan when further scoping for this change has been completed.

Update to Change Roadmap February 2024 can be found here.

There is currently no requirement for CIP engagement on scope proposal for any change on the Change Roadmap. If you have any questions about the Change Roadmap please contact ccrfeedback@centralbank.ie.

The implementation of the Central Credit Register Change Roadmap is dependent on completion of scoping of each change. It does not preclude the possibility of inclusion of other changes that may arise to support the successful delivery of service for the Central Credit Register, or which may be required on foot of legislative change. Additionally, the Central Credit Register may undertake enhancements during this period to support an effective service which do not require implementation by a CIP.

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Under the 2013 Act, lenders are obliged to submit credit information and personal information to the Central Credit Register in respect of loan applications and loan agreements (read what's included).

In this context, personal information includes:

• (a) name
• (b) date of birth
• (c) gender
• (d) current and previous addresses
• (e) telephone number
• (f) personal public service number (PPSN)

In this context, personal information includes:

• (a) name
• (b) date of birth
• (c) gender
• (d) current and previous addresses
• (e) telephone number
• (f) personal public service number (PPSN)

In this context, personal information includes:

• (a) name
• (b) date of birth
• (c) gender
• (d) current and previous addresses
• (e) telephone number
• (f) personal public service number (PPSN)

(a) name
(b) date of birth
(c) gender
(d) current and previous addresses
(e) telephone number
(f) personal public service number (PPSN)

Personal information is necessary to accurately identify borrowers and match their loans and loan applications, including loans that they may have with more than one lender.
Credit information, such as the type of loan a borrower has or has applied for, the amount borrowed or applied for, and other details in respect of loan agreements and loan applications including in respect of existing loan agreements, information relating to the performance by a borrower under the loan, is also submitted by lenders.
Credit information and the related personal information is stored securely on the Central Credit Register, to which access is strictly controlled in accordance with the 2013 Act.
This information will only be released in the following circumstances:

• Where a lender or the borrower to whom the information relates requests access to information held on the Central Credit Register in accordance with the 2013 Act;
• Where the borrower to whom the information relates, consents to the release of this information to another person;
• As provided by the 2013 Act, the Data Protection Act 2018 or otherwise required or permitted by law or any other applicable legislation.

The Central Bank may also transfer information to state agencies and law enforcement bodies when it is required and considered necessary and proportionate to do so.