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← Agency brief

Focus area

Credit blacklisting ('sev cucak') and systemic financial exclusion High

First analysis period

Model-generated

Citizens complain about the rigid rules of the credit registry (ACRA). Borrowers who have fully paid off their overdue debts remain blacklisted due to the 5-year retention period. Furthermore, individuals who acted as guarantors are blacklisted and denied credit despite having flawless personal repayment histories, preventing them from restarting businesses or securing mortgages.

Affected groups

Guarantors, farmers, and small business owners seeking state-subsidized credit

Geography

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Actions for this focus area

  • Develop policy options to reform credit registry (ACRA) rules, reducing blacklisting retention periods for paid-off debts. · Within 30 days

Supporting citizen requests

0 supporting requests