Central Credit Reference Information System (CCRIS) is the computerised database maintained at the Credit Bureau, Bank Negara Malaysia since 1982 under the Bank of Malaysia Act 1958. Financial institutions in Malaysia will send a monthly report of all their borrowers to the Credit Bureau.
Data received by the Central Bank regarding loans given by financial institutions will be processed by CCRIS in order to format a credit report. This report can be accessed by any financial institution upon request. The financial institution is required to inform the applicant,in writing, that a credit check is to be conducted under the applicant’s name and that the credit facility application will be reported to the Credit Bureau.