Corporate & Business BOE Importance: 6/10

Bank of Spain updates the rules of the Central Credit Information Office (CIR) and lowers the reporting threshold to 1,000 euros

30 Oct 2026 Effective: 30 Oct 2026 0 views
Who is affected:
Credit institutions, payment entities and electronic money entities operating in Spain

Summary

The Bank of Spain consolidates all the regulations of the Central Credit Information Office into a single rule and reduces from 3,000 to 1,000 euros the minimum amount of operations that banks must report, with full entry into force in 2027.

Detailed analysis PRO

Circular 1/2026 consolidates CIR regulations into a single text, replacing Circular 1/2013 and its fourteen amendments to improve legal certainty. The most relevant change is the reduction of the individual reporting exemption threshold from 3,000 to 1,000 euros, although a transitional regime maintains the limit at 3,…

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Full official title

Circular 1/2026, de 21 de octubre, del Banco de España, sobre la Central de Información de Riesgos.

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Affected sectors

Self-employed SMEs Technology

Categories

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