The current legal basis consists mainly of the Economic Code and the Royal Decree of 23 March 2017 relating to the Central Individual Credit Register.

Book VII of the Economic Code contains the legislation governing consumer credit (Art. VII.64 to Art. VII.122), mortgage credit (Art. VII.123 to VII.147), as well as the Central Individual Credit Register (Art. VII.148 to Art. VII.157). Definitions and provisions concerning the scope of application are set out in Articles I.1, I. 9, VII.2 and VII.3.

Other relevant legal acts are:

  • The Royal Decree of 5 February 1990 regulating access to the National Register of natural persons and use of the identification number.
  • The Law of 5 July 1998 on collective debt settlement and the possibility of the private sale of seized real estate. 
  • The Royal Decree of 22 April 1999 regulating the recording of collective debt settlement notices by the National Bank and the consultation thereof by the persons referred to in Article 19, § 2 of the Law of 5 July 1998 on collective debt settlement and the possibility of the mutual sale of seized real estate.
  • The Royal Decree of 29 October 2001 relating to the Accompanying Committee of the Central Individual Credit Register.

Consolidated versions of these legal acts are available from the Crossroads Bank of Legislation (N - F)