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---
title: "EBA Q&A 2024_6997 — Q&A — Services of credit registers under DORA [Rejected question]"
shortTitle: "EBA Q&A 2024_6997 — Q&A — Services of credit registers under DORA [Rejected question]"
answer_id: EBA_QA_2024_6997
status: "Rejected question"
type: qa
instrument_type: qa
authority: EBA
binding: false
binding_character: non_binding
legal_status: withdrawn
regulation: "DORA"
dora_level3: true
mica_level2: false
legal_basis: "Article 3(19) DORA"
date: 19 July 2024
source_link: https://www.eba.europa.eu/single-rule-book-qa/qna/view/publicId/2024_6997
lifecycle: "Rejected question"
text_version: "EBA Q&A register, 19 July 2024"
source_url: "https://www.eba.europa.eu/single-rule-book-qa/qna/view/publicId/2024_6997"
check_status: matched
verified: true
last_checked: 2026-10-26
checked_against: "the EBA publication"
source:
  prepared_by: "not stated in the document"
  published_by: "EBA"
  published_in: "EBA Single Rulebook Q&A tool"
  evidence:
    prepared_by: "Industry association"
    locator: "EBA Q&A register entry 2024_6997: no answer; the register names only the 'Type of submitter'"
document_type: "qa_question"
legal_nature: "not_legislation"
addressees: "not stated in the document"
dates:
  published_on: "2024-07-19"
  question_submitted_on: "2024-02-05"
  locators:
    published_on: "EBA Q&A register entry 2024_6997, field 'Rejected publishing date'"
    question_submitted_on: "EBA Q&A register entry 2024_6997, field 'Submission date'"
lifecycle_label: "Rejected question"
---

**Question published in the EBA Q&A tool · no answer · not legislation · published 19 Jul 2024 [Rejected question]**

*Rejected question · EBA Q&A register, 19 July 2024 · Checked against the EBA publication on 26 Oct 2026 · [Official source](https://www.eba.europa.eu/single-rule-book-qa/qna/view/publicId/2024_6997)*

| | |
|---|---|
| **Full title** | EBA Q&A 2024_6997 — Q&A — Services of credit registers under DORA \[Rejected question\] |
| **Prepared by** | Not stated in the document |
| **Published by** | EBA, in the EBA Single Rulebook Q&A tool |
| **Reference** | EBA_QA_2024_6997 |
| **Document type** | Q&A |
| **Legal nature** | No answer · not legislation |
| **Addressees** | Not stated in the document |
| **Dates** | Published 19 July 2024; question submitted 5 February 2024 |
| **Legal basis** | [Article 3(19)](https://www.headlesslaw.com/dora/articles/3) DORA |
| **Related instruments** | None recorded |
| **Text on this page** | Word for word — the full text of the EBA publication |

**Services of credit registers under DORA**

### Question

Should public Credit Registers be regarded as providers of ICT services under [Article 3(19)](../../../articles/3.md) of DORA?

### Background

Credit information systems are typically managed by private credit bureaus. However, in several EU countries, governmental entities, notably through Credit Registers housed within local central banks, may also oversee these systems. For instance, in countries like France, the credit infrastructure is solely operated by the Banque de France. Local banks routinely access the Credit Register online to obtain specific information about borrowers who have sought exposure instruments (i.e., credit) before conducting creditworthiness assessments. They utilise the Banque's customized products for their internal risk assessments.

***

### Answer

This question has been rejected because the matter it refers to is in the process of being answered in Q&A DORA 30 (EIOPA Q&A 2999)

***

**Source:** [EBA original document](https://www.eba.europa.eu/single-rule-book-qa/qna/view/publicId/2024_6997)

## Related Level 1 articles

- [Article 3 — Definitions](../../../articles/3.md)