CCRIS / e-CCRIS
Find out what the frequently asked questions are on the Centralised Credit Reference Information System (CCRIS) and e-CCRIS.
Choose from the categories below:
| No. | Main Category | Sub-Category | Question | Answer |
|---|---|---|---|---|
| CCRIS | Information in the CCRIS Report |
Where does BNM get its information for CCRIS? |
BNM obtains CCRIS information from participating financial institutions. This includes all licensed commercial banks, Islamic banks, investment banks, development financial institutions, certain insurance companies, payment instrument issuers and rehabilitation institutions, building societies, credit leasing companies and government agencies. |
|
| CCRIS | Information in the CCRIS Report |
What kind of information do financial institutions report to BNM? |
The financial institutions report essential identification data of their borrowers (e.g. name, identification card number and date of birth) and provide the relevant data on the credit applications and outstanding loans given to such borrowers (e.g. type of credit facilities, conduct of account, instalment amount and credit limit). |
|
| CCRIS | Information in the CCRIS Report |
What are the types of credit facilities reported by financial institutions to BNM? |
Financial institutions are required to report all types of credit facilities extended to their borrowers, including credit cards, overdrafts, trade facilities and housing loans. |
|
| CCRIS | Information in the CCRIS Report |
Can I have the history of all my borrowings from CCRIS? |
The CCRIS Report only shows outstanding or active accounts, pending credit application, and approved credit applications for the last 12 months. |
|
| CCRIS | Information in the CCRIS Report |
I am currently holding a credit card with a financial institution. Is my information captured in CCRIS? |
Yes. Credit card information is reported in CCRIS. |
|
| CCRIS | Information in the CCRIS Report |
I have a current account with a financial institution. Will this information be captured in CCRIS? |
Financial institutions are not required to and should not report any information on current accounts in CCRIS. However, if you have an overdraft facility operating in conjunction with the current account, information on the overdraft facility will be reported in CCRIS. |
|
| CCRIS | Information in the CCRIS Report |
I have a current account without overdraft facility but I was informed by a financial institution that I have such a facility. Will this be reported to the CCRIS? |
Any temporary shortfall in the current account (e.g. due to service charge imposed by the financial institution) will be treated as a temporary overdraft. The information will be reported to CCRIS until you have settled the shortfall. Once you have settled the outstanding amount, the record will no longer appear in you CCRIS Report. |
