{"id":973,"date":"2026-01-14T10:05:53","date_gmt":"2026-01-14T08:05:53","guid":{"rendered":"https:\/\/new.arb.ro\/?page_id=973"},"modified":"2026-01-14T18:32:04","modified_gmt":"2026-01-14T16:32:04","slug":"centrala-riscurilor-de-credit","status":"publish","type":"page","link":"https:\/\/www.arb.ro\/en\/despre-arb\/centrala-riscurilor-de-credit\/","title":{"rendered":"The Credit Information Bureau"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"973\" class=\"elementor elementor-973\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-758b24f8 e-flex e-con-boxed e-con e-parent\" data-id=\"758b24f8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7f77a1b elementor-widget elementor-widget-heading\" data-id=\"7f77a1b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">The Credit Information Bureau\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1d066065 elementor-widget elementor-widget-text-editor\" data-id=\"1d066065\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The Central Credit Register \u2013 CRR (former Banking Risk Register) represents a specialised structure for collecting, storing and centralising the information on the exposure of each declarant person from Romania before the debtors who benefitted from loans and\/or commitments whose cumulated level exceeds the reporting limit (20,000 lei), as well as information on card frauds committed by card holders.<\/p><p>Declarant persons are credit institutions, non-bank financial institutions registered with the special Register, payment institutions that have as significant business lending or the institutions issuers of electronic cash that have a significant level of lending business. The users of the information existing in the data base of CRR are declarant persons and the National Bank of Romania. The exchange of credit risk information is made electronically, via the Interbank Communication Network.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-feda1fd elementor-widget elementor-widget-text-editor\" data-id=\"feda1fd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h6><strong>Pentru mai multe detalii \u0219i contact, v\u0103 rug\u0103m s\u0103 accesa\u021bi:\u00a0<\/strong><\/h6><h6><a href=\"https:\/\/www.bnr.ro\/1943-centrala-riscului-de-credit\" target=\"_blank\" rel=\"noopener\">https:\/\/www.bnr.ro\/1943-centrala-riscului-de-credit<\/a><\/h6>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Centrala Riscurilor de Credit Centrala Riscului de Credit \u2013 CRC (fost\u0103 Centrala Riscurilor Bancare) reprezint\u0103 o structur\u0103 specializat\u0103 \u00een colectarea, stocarea \u015fi centralizarea informa\u0163iilor privind expunerea fiec\u0103rei persoane declarante din Rom\u00e2nia fa\u0163\u0103 de acei debitori care au beneficiat de credite \u015fi\/sau angajamente al c\u0103ror nivel cumulat dep\u0103\u015fe\u015fte suma minim\u0103 de raportare (20.000 lei), precum \u015fi [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":0,"parent":123,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"inline_featured_image":false,"footnotes":""},"class_list":["post-973","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Centrala Riscurilor de Credit - Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.arb.ro\/en\/despre-arb\/centrala-riscurilor-de-credit\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Centrala Riscurilor de Credit - Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)\" \/>\n<meta property=\"og:description\" content=\"Centrala Riscurilor de Credit Centrala Riscului de Credit \u2013 CRC (fost\u0103 Centrala Riscurilor Bancare) reprezint\u0103 o structur\u0103 specializat\u0103 \u00een colectarea, stocarea \u015fi centralizarea informa\u0163iilor privind expunerea fiec\u0103rei persoane declarante din Rom\u00e2nia fa\u0163\u0103 de acei debitori care au beneficiat de credite \u015fi\/sau angajamente al c\u0103ror nivel cumulat dep\u0103\u015fe\u015fte suma minim\u0103 de raportare (20.000 lei), precum \u015fi [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.arb.ro\/en\/despre-arb\/centrala-riscurilor-de-credit\/\" \/>\n<meta property=\"og:site_name\" content=\"Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)\" \/>\n<meta property=\"article:modified_time\" content=\"2026-01-14T16:32:04+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.arb.ro\\\/despre-arb\\\/centrala-riscurilor-de-credit\\\/\",\"url\":\"https:\\\/\\\/www.arb.ro\\\/despre-arb\\\/centrala-riscurilor-de-credit\\\/\",\"name\":\"Centrala Riscurilor de Credit - Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.arb.ro\\\/#website\"},\"datePublished\":\"2026-01-14T08:05:53+00:00\",\"dateModified\":\"2026-01-14T16:32:04+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.arb.ro\\\/despre-arb\\\/centrala-riscurilor-de-credit\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.arb.ro\\\/despre-arb\\\/centrala-riscurilor-de-credit\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.arb.ro\\\/despre-arb\\\/centrala-riscurilor-de-credit\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.arb.ro\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Despre ARB\",\"item\":\"https:\\\/\\\/www.arb.ro\\\/despre-arb\\\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Centrala Riscurilor de Credit\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.arb.ro\\\/#website\",\"url\":\"https:\\\/\\\/www.arb.ro\\\/\",\"name\":\"Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)\",\"description\":\"Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.arb.ro\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.arb.ro\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.arb.ro\\\/#organization\",\"name\":\"Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)\",\"url\":\"https:\\\/\\\/www.arb.ro\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.arb.ro\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.arb.ro\\\/wp-content\\\/uploads\\\/ARB_35_TRANSPARENCY.png\",\"contentUrl\":\"https:\\\/\\\/www.arb.ro\\\/wp-content\\\/uploads\\\/ARB_35_TRANSPARENCY.png\",\"width\":1820,\"height\":1987,\"caption\":\"Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)\"},\"image\":{\"@id\":\"https:\\\/\\\/www.arb.ro\\\/#\\\/schema\\\/logo\\\/image\\\/\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Centrala Riscurilor de Credit - Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.arb.ro\/en\/despre-arb\/centrala-riscurilor-de-credit\/","og_locale":"en_US","og_type":"article","og_title":"Centrala Riscurilor de Credit - Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)","og_description":"Centrala Riscurilor de Credit Centrala Riscului de Credit \u2013 CRC (fost\u0103 Centrala Riscurilor Bancare) reprezint\u0103 o structur\u0103 specializat\u0103 \u00een colectarea, stocarea \u015fi centralizarea informa\u0163iilor privind expunerea fiec\u0103rei persoane declarante din Rom\u00e2nia fa\u0163\u0103 de acei debitori care au beneficiat de credite \u015fi\/sau angajamente al c\u0103ror nivel cumulat dep\u0103\u015fe\u015fte suma minim\u0103 de raportare (20.000 lei), precum \u015fi [&hellip;]","og_url":"https:\/\/www.arb.ro\/en\/despre-arb\/centrala-riscurilor-de-credit\/","og_site_name":"Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)","article_modified_time":"2026-01-14T16:32:04+00:00","twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"1 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.arb.ro\/despre-arb\/centrala-riscurilor-de-credit\/","url":"https:\/\/www.arb.ro\/despre-arb\/centrala-riscurilor-de-credit\/","name":"Centrala Riscurilor de Credit - Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)","isPartOf":{"@id":"https:\/\/www.arb.ro\/#website"},"datePublished":"2026-01-14T08:05:53+00:00","dateModified":"2026-01-14T16:32:04+00:00","breadcrumb":{"@id":"https:\/\/www.arb.ro\/despre-arb\/centrala-riscurilor-de-credit\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.arb.ro\/despre-arb\/centrala-riscurilor-de-credit\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.arb.ro\/despre-arb\/centrala-riscurilor-de-credit\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.arb.ro\/"},{"@type":"ListItem","position":2,"name":"Despre ARB","item":"https:\/\/www.arb.ro\/despre-arb\/"},{"@type":"ListItem","position":3,"name":"Centrala Riscurilor de Credit"}]},{"@type":"WebSite","@id":"https:\/\/www.arb.ro\/#website","url":"https:\/\/www.arb.ro\/","name":"Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)","description":"Romanian Association of Banks","publisher":{"@id":"https:\/\/www.arb.ro\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.arb.ro\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.arb.ro\/#organization","name":"Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)","url":"https:\/\/www.arb.ro\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.arb.ro\/#\/schema\/logo\/image\/","url":"https:\/\/www.arb.ro\/wp-content\/uploads\/ARB_35_TRANSPARENCY.png","contentUrl":"https:\/\/www.arb.ro\/wp-content\/uploads\/ARB_35_TRANSPARENCY.png","width":1820,"height":1987,"caption":"Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)"},"image":{"@id":"https:\/\/www.arb.ro\/#\/schema\/logo\/image\/"}}]}},"_links":{"self":[{"href":"https:\/\/www.arb.ro\/en\/wp-json\/wp\/v2\/pages\/973","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.arb.ro\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.arb.ro\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.arb.ro\/en\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/www.arb.ro\/en\/wp-json\/wp\/v2\/comments?post=973"}],"version-history":[{"count":9,"href":"https:\/\/www.arb.ro\/en\/wp-json\/wp\/v2\/pages\/973\/revisions"}],"predecessor-version":[{"id":3686057,"href":"https:\/\/www.arb.ro\/en\/wp-json\/wp\/v2\/pages\/973\/revisions\/3686057"}],"up":[{"embeddable":true,"href":"https:\/\/www.arb.ro\/en\/wp-json\/wp\/v2\/pages\/123"}],"wp:attachment":[{"href":"https:\/\/www.arb.ro\/en\/wp-json\/wp\/v2\/media?parent=973"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}