Second stage documentation
If you are looking for the documentation used in production, go to Production documentation.
On this page, you can find documentation regarding the second stage of the register.
In the first stage, consumer credits and loans comparable to them have been reported to the register. In the second stage,
- on 1 December 2025, lenders start reporting loans granted to natural persons other than consumers to the register
- on 1 April 2026, lenders start using the register’s data when granting loans to natural persons other than consumers.
Read more about the schedules and content of the second stage on the Rollout page.
API descriptions of the second stage
The API descriptions of the second stage describe the data content to be reported and the structure of the message to be sent to the API and the response message returned from the API.
- Reporting data on loan contracts – API description (stage 2).pdf (version 1.1, released on 20.12.2024)
- Checking loan data – API description (stage 2).pdf (version 1.1, released on 20.12.2024)
- Requesting a credit register extract – API description (stage 2).pdf (version 1.1, released on 20.12.2024)
API processing rules of the second stage
This document is a detailed description of the processing rules of each item of data reported to the register and of the error codes that the API shows in different error situations.
- API processing rules and error codes, stage 2 (xls) (version 1.0, released on 25.4.2025)
Message examples of the second stage
Also study examples of messages sent to different APIs:
- Message example content stage 2 (pdf) (version 1.0, released on 25.4.2025)
- Message examples second stage 2 (zip) (version 1.0, released on 25.4.2025)
Schema descriptions of the second stage
Will be updated in spring/summer 2025.