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nid 94435
Aug 06, 2026
csoo@vixio.com
Italy
Bank of Italy
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2075 charsItaly's Bank of Italy Publishes Manual for Risk Centre Data Exchange Version 2.10
On August 26, 2026, the Bank of Italy (Banca d'Italia) published version 2.10 of its Manual for Reporters to the Risk Centre (Manuale per i Segnalanti Centrale dei rischi), establishing technical specifications for information exchange with the central credit risk database.
The manual details the operational procedures for financial intermediaries to transmit and receive risk data through the Bank of Italy's application-to-application (A2A) interface. Key updates in version 2.10 include modifications to the list of first information request procedures and elimination of sections addressing uncertain outcomes and unregistered subjects in first information queries. The manual specifies four survey types: CRM (monthly periodic risk reporting), CRS (intra-monthly client status changes), CRR (intra-monthly payment regularisations and persistent overdraft recoveries under Article 8-bis of Decree-Law 70/2011), and CRI (interrogation services including first information and periodic information services).
Data transmission requires compression, encryption, and qualified electronic signature under the eIDAS Regulation. Files must use XML format compliant with SDMX-ML standards. The Bank of Italy operates separate endpoints for production and certification environments. Intermediaries receive protocol notifications confirming receipt and must download output flows within five days; files are automatically deleted after 24 hours if not retrieved.
The manual establishes data quality controls across three categories: conversion controls, formal controls, and deterministic controls. Messages exceeding defined error thresholds are rejected entirely. The Bank of Italy transmits output through six survey types (CROFR, CROPI, CROM, CROR, CROS) containing structured data cubes with specific variables for each reporting category.
Intermediaries must ensure timestamp sequentiality across uploads and maintain coherence between metadata and message headers. Technical schemas (XSD), domain values, and XML examples are available on the Bank of Italy's website.
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2194 charsBank of Italy Publishes Updated Manual for Risk Centre Data Exchange Version 2.10
On August 6, 2026, the Bank of Italy published version 2.10 of its manual for the exchange of information with the Central Credit Register (CR), establishing technical specifications for information exchange with the central credit risk database. The manual details the operational procedures for financial intermediaries to transmit and receive risk data through the Bank of Italy's application-to-application (A2A) interface.
The CR, managed by the Bank of Italy, is a database on household and firms' debts towards the banking and financial system. It is supplied with data that the participating intermediaries (banks, financial companies and other intermediaries) send in relation to loans and guarantees granted to their customers, to guarantees received from their customers and to loans or guarantees purchased from other intermediaries.
There is a reporting threshold: a customer is reported if the sum to be repaid to the intermediary is equal to or over €30,000; this threshold is lowered to €250 if the customer has a bad debt. Version 2.10 covers the following areas:
Modifications to the list of first information request procedures and elimination of sections addressing uncertain outcomes and unregistered subjects in first information queries.
The manual specifies four survey types: CRM (monthly periodic risk reporting), CRS (intra-monthly client status changes), CRR (intra-monthly payment regularisations and persistent overdraft recoveries and CRI (interrogation services including first information and periodic information services).
The manual establishes data quality controls across three categories: conversion controls, formal controls, and deterministic controls. Messages exceeding defined error thresholds are rejected entirely. The Bank of Italy transmits output through six survey types (CROFR, CROPI, CROM, CROR, CROS) containing structured data cubes with specific variables for each reporting category.
Clarification that intermediaries must ensure timestamp sequentiality across uploads and maintain coherence between metadata and message headers. Technical schemas (XSD), domain values, and XML examples are available on the Bank of Italy's website.