Lenders can now report second-stage loans to the register and use the loan data in consumer lending. The reporting will continue until 31 March 2026. Read more in the news article.

The e-service and credit register extracts will include loans granted to business name entrepreneurs for their business activities and loans granted to agricultral and forestry operators.

Now is the time to become active in stakeholder testing and prepare for changes taking place on 1 December 2025

10/22/2025

Stakeholder testing, where you can test functionalities to be introduced in the second stage of the register, is ongoing. It is not yet too late to participate and make sure your organisation can start reporting and receiving data smoothly in December. Participating in the stakeholder testing of the register’s second stage is important for both new users and operators currently using the register.

Feedback from stakeholders: “Stakeholder testing is an important part of our preparations”

The stakeholders that have already started testing have given us positive feedback. They say stakeholder testing is useful and find it to be an important part of preparing for the rollout of the register. Successful rollout requires that all parties should make sure their systems are compatible and function correctly. By participating in stakeholder testing, you can:

  • ensure the systems’ compatibility in good time
  • identify any development needs in your system
  • receive support and instructions during the testing.

The register will expand in December

The Positive credit register will expand as of 1 December 2025 as lenders start reporting loans granted to private individuals other than consumers, such as loans granted to business name entrepreneurs. As the register expands, the credit register extracts will contain data content that is new to all users. The only way of ensuring you can succssfully receive the new content is to participate in stakeholder testing.

If you have not started stakeholder testing yet, do it now. On our website, you can find the stakeholder testing start notification and detailed instructions on how to start testing:

Page last updated 10/22/2025