Banco de Portugal Instruction 1/2026 (the “Instruction”) came into force on 25 February 2026. It repeals and substitutes Instruction 17/2018 and it sets out the new rules on the Central Credit Register (“CCR”).
These new rules were established by Decree Law 103/2025 of 11 September (“DL 103/2025”), which transposed Directive (EU) 2021/2167 of the European Parliament and of the Council of 24 November 2021. DL 103/2025 also established the Legal Framework for the Assignment and Management of Bank Credits (“RCGCB”), which came into force on 10 December 2025. DL 103/2025 repealed the previous CCR rules. However, under Article 12, they remained in force until the entry into force of Instruction 1/2026.
