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Republic Act No. 9510 – Credit Information System Act

Republic Act No. 9510 – Implementing Rules and Regulations

Year	Draft Circulars for Comments
2025	[Draft] CIC Penalty Guidelines

Please send your comments to compliance.monitoring@creditinfo.gov.ph on or before 17 November 2025, Monday, with subject line, “Comments – Revised Draft CIC Penalty Guidelines for Submitting Entities in Production“.

Year	Circulars
2026	Letter Circular No. 2026-08 (List of Newly Onboarded Submitting Entities in Production this August 2026) Letter Circular No. 2026-07 (List of Newly Onboarded Submitting Entities in Production this July 2026) Letter Circular No. 2026-06 (List of Newly Onboarded Submitting Entities in Production this June 2026) Letter Circular No. 2026-05 (List of Newly Onboarded Submitting Entities in Production this May 2026) Letter Circular No. 2026-04 (List of Newly Onboarded Submitting Entities in Production this April 2026) Letter Circular No. 2026-03 (List of Newly Onboarded Submitting Entities in Production this March 2026) Letter Circular No. 2026-02 (List of Newly Onboarded Submitting Entities in Production this February 2026) Letter Circular No. 2026-01 (List of Newly Onboarded Submitting Entities in Production this January 2026)
2025	Letter Circular No. 2025-12 (List of Newly Onboarded Submitting Entities in Production this November 2025) Letter Circular No. 2025-11 (List of Newly Onboarded Submitting Entities in Production this October 2025) Letter Circular No. 2025-10 (List of Newly Onboarded Submitting Entities in Production this September 2025) Letter Circular No. 2025-09 (List of Newly Onboarded Submitting Entities in Production this August 2025) Letter Circular No. 2025-08 (List of Newly Onboarded Submitting Entities in Production this July 2025) Letter Circular No. 2025-07 (List of Newly Onboarded Submitting Entities in Production this June 2025) Letter Circular No. 2025-06 (List of Newly Onboarded Submitting Entities in Production this May 2025) Letter Circular No. 2025-05 (List of Newly Onboarded Submitting Entities in Production this April 2025) Letter Circular No. 2025-04 (List of Newly Onboarded Submitting Entities in Production this March 2025) Letter Circular No. 2025-03 (List of Newly Onboarded Submitting Entities in Production this February 2025) Letter Circular No. 2025-02 (List of Newly Onboarded Submitting Entities in Production this January 2025) Letter Circular No. 2025-01 (List of Newly Onboarded Submitting Entities in Production for the month of December 2024)
2024	Letter Circular No. 2024-12 (List of Newly Onboarded Submitting Entities in Production this November 2024) Letter Circular No. 2024-11 (List of Newly Onboarded Submitting Entities in Production this October 2024) Letter Circular No. 2024-10 (Final Extension for Payment of Compliance Assistance Fee (CAF) and Request for Reduction Pursuant to CIC Circular No. 2023-04) Letter Circular No. 2024-09 (List of Newly Onboarded Submitting Entities in Production this September 2024) Letter Circular No. 2024-08 (List of Newly Onboarded Submitting Entities in Production this August 2024) Letter Circular No. 2024-07 (List of Newly Onboarded Submitting Entities in Production this July 2024) Letter Circular No. 2024-06 (List of Newly Onboarded Submitting Entities in Production this June 2024) Letter Circular No. 2024-05 (List of Newly Onboarded Submitting Entities in Production this May 2024) Letter Circular No. 2024-04 (List of Newly Onboarded Submitting Entities in Production this April 2024) CIC Circular No. 2024-01 (Further Extension of the period to Comply with the Initial Compliance Stages in Accordance with CIC Circular No. 2023-04 or the “Implementing Guidelines for the Compliance of All Submitting Entities under the Credit Information Act”) Letter Circular No. 2024-03 (List of Newly Onboarded Submitting Entities in Production this March 2024) Letter Circular No. 2024-02 (List of Newly Onboarded Submitting Entities in Production this February 2024) Letter Circular No. 2024-01 (List of Newly Onboarded Submitting Entities in Production this January 2024)
2023	Letter Circular No. 2023-12 (List of Submitting Entities in Production as of 29 December 2023) Letter Circular No. 2023-11 (List of Submitting Entities in Production as of 30 November 2023) CIC Circular No. 2023-05 – Further Extension of the Period of Submission of Anomalous Data with Corrected Erroneous Records Backlogs and Mandating the Attachment of Transmittal Letter CIC Circular No. 2023-04 (Implementing Guidelines for the Compliance of all Submitting Entities under the Credit Information Systems Act) Letter Circular No. 2023-10 (List of Submitting Entities in Production as of 27 October 2023) CIC Circular No. 2023-03 (Direct to Consumer (D2C) through Accessing Entity (AE) Program) Letter Circular No. 2023-09 (List of Submitting Entities in Production as of 29 September 2023) Letter Circular No. 2023-08 (List of Submitting Entities in Production as of 29 August 2023) CIC Circular No. 2023-02 (Revised Standards and Rules for Accreditation of Special Accessing Entities to the Credit Information System) Special Accessing Entity Information Sheet Letter Circular No. 2023-07 (List of Submitting Entities in Production as of 28 July 2023) Letter Circular No. 2023-06 (List of Submitting Entities in Production as of 30 June 2023) Letter Circular No. 2023-05 (List of Submitting Entities in Production as of 26 May 2023) Letter Circular No. 2023-04 (List of Submitting Entities in Production as of 28 April 2023) CIC Circular No. 2023-01 (Extension of the Deadline to Submit Corrected Erroneous Data Backlogs) Letter Circular No. 2023-03 (List of Submitting Entities in Production as of 31 March 2023) Letter Circular No. 2023-02 (List of Submitting Entities in Production as of 28 February 2023) Letter Circular No. 2023-01 (List of Submitting Entities in Production as of 30 January 2023)
2022	Letter Circular No. 2022-16 (List of Submitting Entities in Production as of 29 December 2022) Letter Circular No. 2022-15 (Additional requirements special submission of separate file to update and/or correct disputer’s credit data) Letter Circular No. 2022-14 (List of Submitting Entities in Production as of 28 November 2022) Letter Circular No. 2022-13 (Distribution and Correction of Erroneous Records Backlogs) Letter Circular No. 2022-12 (List of Submitting Entities in Production as of 28 October 2022) CIC Circular No. 2022-02 (Requirements and Guidelines on the Fast Track Registration as an Accessing Entity of the Credit Information Corporation) Letter Memorandum 2022-05 (Invitation to the CIC Credit Expo Year 2 – Creating Tomorrow: Credit in the Digital World) Letter Circular No. 2022-11 (List of Submitting Entities in Production as of 30 September 2022) Letter Circular No. 2022-10 (List of Submitting Entities in Production as of 26 August 2022) Letter Memorandum 2022-04 (Enabling the Consumer Enquiry Module for All Accessing Entities (AEs)) Letter Circular No. 2022-09 (List of Submitting Entities in Production as of 28 July 2022) Letter Circular No. 2022-08 (List of Submitting Entities in Production as of 24 June 2022) Letter Circular No. 2022-07 (List of Submitting Entities in Production as of 27 May 2022) Letter Circular No. 2022-06 (List of Submitting Entities in Production as of 29 April 2022) Letter Memorandum No. 2022-02 (Submission of the Philippine Identification ID (PhilID) of a Borrower in the Credit Information System) Letter Circular No. 2022-05 (Digital Banks: Notice on coverage of Republic Act No. 9510 or Credit Information System Act) Letter Circular No. 2022-04 (List of Submitting Entities in Production as of 31 March 2022) Letter Circular No. 2022-03 (List of Submitting Entities in Production as of 28 February 2022) CIC Circular No. 2022-01 (Accreditation of Advanced Tier Special Accessing Entities and Advanced Outsource Entities to the Credit Information System) Letter Circular No. 2022-02 (New Pricing Scheme as approved by the Securities and Exchange Commission) Letter Circular No. 2022-01 (List of Submitting Entities in Production as of 31 January 2022)
2021	Letter Circular No. 2021-14 (List of Submitting Entities in Production as of 31 December 2021) Letter Circular No. 2021-13 (Special Submission of Separate File to Update/Correct Disputer’s Credit Data) Letter Memorandum No. 2021-04 (Invitation to the Submitting Entities in Production (SEP) Year-End Forum on 16 December 2021) Letter Circular No. 2021-12 (List of Submitting Entities in Production as of 26 November 2021) Letter Memorandum No. 2021-03 (Transferability of CIC Credit Reports (Credits)) Letter Memorandum No. 2021-02 (Release of Second Batch of Anonymized Data to Special Accessing Entities) Letter Circular No. 2021-11 (List of Submitting Enties in Production as of 25 October 2021) CIC Circular No. 2021-03 (Standards and Rules for Reaccreditation of Special Accessing Entities to the Credit Information System) Letter Circular No. 2021-10 (List of Submitting Entities in Production as of 24 September 2021) Letter Circular No. 2021-09 (List of Submitting Entities in Production as of 27 August 2021) Letter Memorandum No. 2021-01 (Invitation to the 1st CIC Expo for Submitting Entities entitled, “CIC 2.0: Reforms and Policies for a Strengthened Credit Registry” on 17 September 2021) CIC Circular No. 2021-02 (Requirements and Guidelines on Online Registration of Submitting Entities to the Credit Information Corporation) Letter Circular No. 2021-08 (List of Submitting Entities in Production as of 23 July 2021) Letter Circular No. 2021-07 (List of Submitting Entities in Production as of 25 June 2021) Letter Circular No. 2021-06 (New Pricing Scheme as Approved by the Securities and Exchange Commission) Letter Circular No. 2021-05 (List of Submitting Entities in Production as of 21 May 2021) Letter Circular No. 2021-04 (List of Submitting Entities in Production as of 23 April 2021) CIC Circular No. 2021-01 (Data Quality and Usability Assessment for all Potential Accessing Entities and Accessing Entities) Letter Circular No. 2021-03 (List of Submitting Entities in Production as of 29 March 2021) Letter Circular No. 2021-02 (List of Submitting Entities in Production as of 28 February 2021) Letter Circular No. 2021-01 (List of Submitting Entities in Production as of 29 January 2021)
2020	Letter Circular No. 2020-09 (List of Submitting Entities in Production as of 29 December 2020) Letter Circular No. 2020-08 (List of Additional Submitting Entities in Production as of 17 December 2020) Letter Circular No. 2020-07 (List of Additional Submitting Entities in Production as of 22 October 2020) Letter Circular No. 2020-06 (List of Additional Submitting Entities in Production as of 19 August 2020) Letter Circular No. 2020-05 – Primary ID (PID) Number Tagging System Letter Circular No. 2020-04 – List of Submitting Entities in Production as of 14 July 2020 Letter Circular No. 2020-03 – Insurance Companies, Mutual Benefit Associations and other Similar Entities Supervised by the Insurance Commission Clarificatory Advisory – Monthly Submission of Basic Credit Data Letter Memorandum No. 2020-02 (Advisory on Extension of Deadline of Submission of Credit Data and Tagging of Missed Payments for all Loans with Principal and/or Interest falling due within the Enhanced Community Quarantine Period) Letter Circular No. 2020-02 (Extension of Ten Pesos (PHP 10.00) per Credit Report until 31 December 2020) Letter Memorandum No. 2020-01 (Submission of the March 2020 basic credit data – Extended until 30 April 2020 due to the Enhanced Community Quarantine) Letter Circular No. 2020-01 (List of Additional Submitting Entities in Production as of 25 March 2020) CIC Circular No. 2020-01 (Requirements on becoming an Accessing Entity of the Credit Information Corporation)
2019	Letter Circular No. 2019-02 (List of CIC Submitting Entities in Production as of 20 December 2019) Letter Circular No. 2019-01 (List of CIC Submitting Entities in Production as of 20 September 2019) CIC Circular No. 2019-01 (Guidelines on the Online Dispute Resolution Process (ODRP) for Disputers Who Obtained Credit Reports Generated from the Credit Information System (CIS))
2018	CIC Letter Circular No. 2018-01 (Medium and Large Cooperatives: CIC Compliance Monitoring Tool)
2017	Letter Circular No. 2017-04 (Insurance Companies, Mutual Benefit Association and Other Similar Entities Supervised by the Insurance Commission: FAQs on Submission of Data to the CIC) Letter Circular No. 2017-03 (Submitting Entities in Testing Phase: FAQs on the Implementation of Five Strike Rule or 5SR) Letter Circular No. 2017-02 (Submitting Entities: Loading Implementation for Five (5) Year Historical Data) Letter Circular No. 2017-01 (Submitting Entities: Reminder for Monthly Submission) Circular No. 2017-02 (Insurance Companies, Mutual Benefit Association and Other Similar Entities Supervised by the Insurance Commission: and Non-Stock Savings and Loan Associations: Deadline for Production Submission of Credit Data) Circular No. 2017-01 (Financing Companies: Deadline for Production Submission of Credit Data)
2016	Letter Circular No. 2016-02 (All Submitting Entities: FAQs on Submission of Data to the CIC) Letter Circular No. 2016-01 (Large and Medium Cooperatives: Submission of Credit Data to the CIC Pursuant to RA No. 9510, its IRRR, and CIC Circular No. 2015-02) Circular No. 2016-05 (Notification Letter and Notification Clause for Telecommunications Companies as Addendum to CIC Circular No. 2016-01) Circular No. 2016-04 (Large and Medium Cooperatives: Extended Deadline for Production Submission of Credit Data) Circular No. 2016-03 (GOCCs Engaged in Lending Activities: Deadline for Production Submission of Credit Data) Circular No. 2016-02 (Credit Card Issuers, Universal, Commercial, and Thrift Banks, including their Trust Departments, Rural Banks, and Entities with Quasi-Banking License issued by the BSP, including their Subsidiaries and/or Affiliates that are Engaged in the Business of Providing Credit: Submission of Historical Data) CIC Circular No. 2016-01 (Telecommunications Companies: Notice on the Coverage of RA No. 9510 or Credit Information System Act)
2015	CIC Circular No. 2015-02, With Annexes A & B (Deadline for Production Submission of Credit Data; and Technical Requirements) CIC Circular No. 2015-01 (Enforcement of the Credit Information System Act Pursuant to Republic Act No. 9510 and its Implementing Rules and Regulations)