Central Register of Unpaid Commercial Papers

Bank Al-Maghrib can help you as part of the common interest services it manages.

You will find below simple answers to your questions on the right of access and information, correction of information, methods of settling payment incidents, and practical documents.

WHAT IS THE CENTRAL REGISTER OF UNPAID COMMERCIAL PAPERS ?

The Central Register of Unpaid Commercial Papers centralizes and circulates to credit institutions the statements relating to unpaid commercial papers. It compiles information on :

 

  • The identity of the drawee who has issued an unpaid bill of exchange
  • The drawee’s bank account in which the unpaid bill of exchange was registered
  • The unpaid bill of exchange

 

IN WHAT CASES COULD I BE LISTED IN THE CENTRAL REGISTER OF UNPAID COMMERCIAL PAPERS ?

The purpose of the Central Credit Register is to centralize and make available to credit institutions and similar bodies information on loans granted and their settlement by customers, and to provide information on the customers situation to the aforementioned institutions to enable them to better assess the risks incurred towards companies and individuals.

 

HOW LONG DO I REMAIN LISTED IN THE CENTRAL REGISTER OF UNPAID COMMERCIAL PAPERS ?

Information relating to unpaid bills of exchange that are not corrected or canceled will be kept until the settlement of the bill of exchange subject of the incident. 

 

HOW CAN I SETTLE MY SITUATION IF I AM LISTED IN THE CENTRAL REGISTER OF UNPAID COMMERCIAL PAPERS ?

You can settle your situation by providing the reporting bank with the proofs of settlement of the bill of exchange amount : 

anbsp;

  • either directly to the beneficiary 
  • or by making a sufficient cash provision that is available in your bank

 

HOW CAN I HAVE ACCESS TO MY PERSONAL INFORMATION RECORDED IN THE CENTRAL REGISTER OF UNPAID COMMERCIAL PAPERS ?

In accordance with the provisions of law 09-08 relating to the protection of individuals with regard to the processing of personal data, you can have access to information on you which is registered in this file. To this end, you may contact your bank or go to a Bank Al-Maghrib branch, carrying an identity card, or send your request by mail accompanied by a copy of your identity document to the following address :

 

NETWORK AND CENTRAL REGISTRIES DEPARTMENT

User Relationship Service

Avenue ANNAKHIL

Hay Riad, RABAT

 

WHOM TO CONTACT FOR FURTHER INFORMATION ?

You may address your enquiries to the User Relationship Service by phone: 05 37 56 77 58,  by email to CI_USER@bkam.ma or by regular mail to the following address: 

 

BANK AL MAGHRIB

NETWORK AND CENTRAL REGISTRIES DEPARTMENT

User Relationship Service

Avenue ANNAKHIL

Hay Riad, RABAT

 

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