ARRFR proposes removing pawnshop loan arrears from credit histories

August 3, 2026 at 11:40 AM2 min

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The Agency for Regulation and Development of the Financial Market (ARRFR) has proposed amendments to credit reporting rules that would exclude pawnshop loan arrears from credit histories and add data on payments to gambling operators. The draft resolution also introduces a credit 'rehabilitation' mechanism and reduces the list of personal data that credit bureaus can collect.

Pawnshop Loan Arrears Exclusion

The draft regulation removes from credit reports the number of days of delinquency, amount of overdue payments, accrued penalties and fines, and the date of the last payment on microloans secured by pawned personal property. ARRFR states that most borrowers do not intend to redeem pawned items, and the collateral typically covers the full loan amount, so default does not signal insolvency. 'Non-payment or delinquency on a pawnshop microloan does not indicate the borrower’s poor payment discipline or inability to pay,' the agency argued. Such loans will remain listed as 'Active' until fully settled, but without the damaging delinquency details.

Gambling Payment Data and Real-Time Loan Applications

Banks will be required to report to credit bureaus all payments by individuals to gambling operators, including the amount and date of each transaction over the preceding six months. Additionally, commercial banks and microfinance organizations must transmit in real time any client’s application for a new loan to the credit bureau. These measures aim to provide a more complete picture of consumer financial behavior and prevent excessive indebtedness.

Reduced Personal Data and Credit Rehabilitation

For individuals without an existing credit history, the draft eliminates the requirement to provide a place of residence, only retaining full name, IIN, and date and place of birth. For legal entities, only name and BIN (or other identifier) will be collected, dropping the location and registration number. The document also establishes a credit rehabilitation mechanism: if a borrower fully repays an obligation that was over 90 days past due, and then avoids any delinquency exceeding 30 days for the next 12 months, the credit bureau must assign that obligation a 'Rehabilitated' status.