Explanatory note on the draft ECB Regulation on the collection of granular credit and credit risk data

On 18 November 2015 the Governing Council of the ECB has agreed to publish the draft Regulation on the collection of granular credit and credit risk data (“AnaCredit”) on the ECB website; it is still in a draft format. While its legal basis (Council Regulation (EC) No 2533/98 of 23 November 1998 concerning the collection of statistical information by the European Central Bank) does not require a public consultation process, the high public interest in the project warrants publication at this juncture.
The purpose of this note is to provide background information on the planned collection of granular credit data by the European System of Central Banks (ESCB), as set out in the draft Regulation.

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