SANTO DOMINGO.- Starting this Tuesday, May 5, a new provision from the Superintendency of Banks came into effect that changes the way in which the credit history of users is shown in the Risk Center.
According to Circular SB: CSB-REG-2026000006, negative information associated with unpaid loans will no longer be visible in the credit inquiry once four years have passed since their expiration or since their report to the supervisory body.
But does this mean the debt disappears? The answer is no.
It's not a "clean slate"
According to the information contained in the circular, the restriction of visibility does not constitute the extinction or prescription of debts. In other words, even if they cease to appear in the accessible history, the obligations remain valid and enforceable.
Furthermore, as the document states, the collection rights of financial intermediation entities or third parties that acquire overdue loans remain intact, so creditors can continue the corresponding processes.
So what changes?
The modification focuses on how information is presented within the Risk Information System. The Risk Center, managed by the Superintendency of Banks, consolidates users' payment behavior and serves as a reference for entities to assess credit risk.
According to the circular, this measure aims to ensure that the evaluation is based on more current information, preventing old negative data from indefinitely influencing people's financial profiles.
Scope of the measure
According to the circular, this provision applies exclusively to the display criteria within the system managed by the Superintendency of Banks and does not modify the registration or reporting processes of financial intermediation entities or Credit Information Companies.
Furthermore, the regulations exclude debtors who are in restructuring or judicial liquidation processes, who will continue under the current provisions.
A change with a focus on the user
According to the official document, this adjustment responds to the need to guarantee proper handling of personal data and strengthen the protection of users of the financial system, in line with principles such as informational self-determination.
The measure thus introduces a relevant change: it does not eliminate debts, but it does redefine how long they remain visible, opening the door to a credit assessment more focused on the present than on the past.
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