The Central Bank is the legal administrator of the Central Register of Payment Incidents and the three registers referred to in Articles 210 to 214 of the regulations which are:
- The Regional File of Customers and Bank Accounts:
- The File of Payment Incidents;
- The File of Irregular Payment Instruments.
The Central Bank records all the information mentioned in Articles 210 (new) to 214 (new) of the regulations and ensures its security and confidentiality. It disseminates this information under the conditions set forth in Articles 219 (new) to 225 (new) of same law.
The Central Bank takes all necessary precautions to prevent the recorded personal data from being distorted, damaged, or accessed by unauthorized third parties.
The Central Bank provides the institutions subject to its regulations, in accordance with the procedures defined by the Governor's Instruction, with the following list of information recorded in its Files:
- The characteristics of individuals subject to banking bans;
- The characteristics of individuals subject to judicial bans;
- The characteristics of individuals whose banking or judicial bans have been lifted.
Following the same procedures, it sends to the competent Public Prosecutor's Offices the details of incidents reported on behalf of a person already subject to a banking or judicial ban.
After cross-referencing the reported incidents with the information contained in the Regional File of Customers and Bank Accounts, the Central Bank automatically informs the obligated institutions that hold an account in the name of a person subject to a banking or judicial ban.
At the request of an obligated institution, the Central Bank provides information on the name of a person whose name reappears in its files due to a banking or judicial ban on issuing checks or using a payment card.
The Central Bank may not disclose to regulated institutions the information contained in the Regional Register of Bank Customers and Accounts.
The Central Bank discloses the information recorded in the Register of Irregular Payment Instruments to the persons mentioned in Article 214 of the regulations, according to the procedures defined by instruction from the Governor.
At their request, the Central Bank discloses to magistrates acting within the framework of judicial proceedings, as well as to judicial police officers acting on the instructions of the Public Prosecutor or on a rogatory commission, the information contained in the register of payment incidents.