Documentation
In this section, you can find technical instructions regarding the register, such as API descriptions, processing rules and general instructions for software developers.
What do the first stage and second stage of the register mean?
In the first stage, the register was launched, and the first stage in now in production. In the first stage, lenders started reporting consumer credits and loans comparable to them to the register.
In the second stage, as of 1 December 2025, lenders also started reporting loans granted to private individuals other than consumers, such as business loans granted to private individuals.
Production documentation
Currently used production documentation: API descriptions, processing rules and error codes, message examples, schema descriptions.
Second stage documentation
The second-stage documentation was incorporated into the production documentation on 1 December 2025. Separate second-stage documentation is no longer available.
General instructions
General instructions for software developers, describing the preconditions and system requirements for the register’s technical API.
See also how wage and benefit information retrieved from the Incomes Register is calculated for purposes of the credit register extract:
- Calculation of income data (xls) version 1.2
Upcoming changes
Upcoming changes, other than those of the second stage:
- Reporting data on loan contracts – API description, version 2.1. (will be published into production 1 April 2026
- API processing rules and error codes, version 2.1 (will be published into production 1 April 2026