PHASES OF ANACREDIT
Timeline:
2011: AnaCredit project initiated by the ECB
December 2015: First model of AnaCredit regulation
18 May 2016: Adoption of Regulation (EU) 2016/867 of the ECB on the collection of granular data on credit and credit risk;
30 June 2017: First possible date for AnaCredit’s request to the national central banks of each Member State
31 March 2018: National banks transmit the first data to the ECB
September 30, 2018: First delivery of monthly and quarterly reports
Beginning in 2019: New mandatory information to be reported which may include the information of individual persons
Frequency:
Master Data: reported once, when the first disclosure is made
Other data: monthly, quarterly, or that have undergone some change referring to the last reference period
Examples of Instruments:
Deposits
Overdrafts
Credit card debts
Credit lines
Other loans