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BPFI welcomes Central Bank confirmation that customer credit records will not be impacted by Covid-19 payment breaks

Banking & Payments Federation Ireland (BPFI) CEO Brian Hayes has welcomed confirmation from the Central Bank of Ireland (CBI) that there will be no impact to the Central Credit Register (CCR) credit records of customers who avail of a payment break as a result of being financially impacted by Covid-19.

Mr Hayes said “This statement to be very much welcomed. This CBI confirmation provides borrowers with reassurance and confidence that they can avail of a payment break and do not have to worry about it impacting their credit record on the Central Credit Register.

“The CBI has published some very helpful information on this issue on the Covid-19 section of its Consumer Hub. It outlines how customers who agree a payment break with their lender as a response to Covid-19, including a break with no payments at all, will not have this break identified specially on their credit report and no ‘missed payments’ will be recorded on the Central Credit Register (CCR) during this period. For more details on this customer can access this information via the homepage of the CBI’s website.” (

The Central Credit Register, operated by the CBI, stores personal and credit information on loans of €500 or more and produces credit reports for lenders and borrowers on request.


Note: Banking & Payments Federation Ireland (BPFI) represents the banking, payments and fintech sector in Ireland.  Together with its affiliates, the Federation of International Banks in Ireland and the Fintech & Payments Association of Ireland, BPFI has 100 member institutions and associates, including licensed domestic and foreign banks and institutions operating in the financial marketplace here.

Contact: For further information contact Jillian Heffernan, Head of Communications,  087 9016880