The Bank of Latvia Regulation No 62 in 2010 on October 18 the credit register Regulations Issued in accordance with article 106.1 of the law of credit institutions, the first, second and third part of the credit unions Act article 27.1 of the first, second and third subparagraphs and insurance companies and the supervisory law 29.3 the first, second and third subparagraphs 1. General questions 1. determines: 1.1. credit establishment and operation;
1.2. the scope and terms of the order in which the bank, which provides credit risk associated with financial services company, which has a close relationship with the bank and the credit risk associated with providing financial services, credit unions, and the insurer shall provide the Bank of Latvia about his borrowers and borrower, guarantor of their commitments and their status;
1.3. scope and terms of the order in which the credits register messages are provided to the borrower, the borrower's guarantor, the financial and capital market Commission, the bank, which provides credit risk associated with financial services company, which has a close relationship with the bank and the credit risk associated with providing financial services, credit unions, insurers, as well as the European Union or the European economic area country person that deals with consumer lending.
2. The terms used in the following terms: 2.1 the credit register member-bank, which provides credit risk associated with financial services company, which has a close relationship with the bank and the credit risk associated with providing financial services, credit unions, and the insurer (hereinafter the participants);
2.2. the bank, which provides credit risk associated with financial services, registered in the Republic of Latvia, the bank t.sk. In the Republic of Latvia or any other country to a bank branch that is registered in the Republic of Latvia (hereinafter – the bank);
2.3. the company, which has a close relationship with the bank and the credit risk associated with providing financial services in the Republic of Latvia registered company that has close relations with the Republic of Latvia or the bank registered in another country, t.sk. In the Republic of Latvia, or companies registered in another country, which has close relations with the Republic of Latvia or registered in another country, the branch of the bank, established in the Republic of Latvia (hereinafter referred to as the company, which has a close relationship with the bank);
2.4. credit unions – credit unions established in the Republic of Latvia company;
2.5. the insurer-insurer established in the Republic of Latvia, t.sk. the branch of the insurer that is registered in the Republic of Latvia;
2.6. the European Union or the European economic area country a person who deals with consumer lending, – physical person whose home address is declared the European Union or the European economic area country, or the European Union or the European economic area country registered legal person who is not a member of the credit register, t.sk. any legal person registered in a branch of the European Union or the European economic area country and not a member of the credit register (hereinafter – the consumer's creditors);
2.7. the borrower's obligations-the obligations resulting from the borrower under the loan contract, leasing contract, t.sk. financial leasing contracts, leasing contracts, leasing credit purchase agreements, reverse repurchase agreements, lease purchase contract of guarantee, factoring, bank account in excess of contract or other agreement for the conclusion of transactions of credit risk, as well as the trust of the credit agreement, that Member shall issue a borrower loans in their own name, but the other person (hereinafter referred to as the loan agreement);
2.8. the borrower, the borrower's guarantor liability of guarantor's obligations arising under the contract of guarantee or agreement on the issue of the guarantee by which the borrower's guarantor undertake to answer for the obligations of the borrower (hereinafter – the guarantee agreements);
2.9. the borrower's liabilities in the balance – the current borrower obligations current period (calendar quarter) end;
2.10. the debtor information-details about the borrower and borrower's guarantor's guarantee of the loan agreement or the contract payment delays and their execution, details of credit article 73 of law violations and others, by Member, significant loan agreement or guarantee agreement violations;
2.11. information on modified or withdrawn news – news about the players who modified the or cancel the credit register in the news, and she modified or withdrawn.
2.12. the information about the message requests-details about the credit register of applicants and their message.
3. the credit register is an information system, in which the Bank collects, accumulates and stores the details of members ' borrowers and borrower, guarantor of their commitments and their status.
4. Participant provides all these provisions in certain posts, except where these rules provide otherwise.
5. the Bank shall keep a register of ongoing credit report, t.sk. latest information on the borrower's balance and context information about the last modified or withdrawn.
6. Providing news, they noted, using the Latin alphabet, t.sk. Latvian language letters with diacritics.
7. the Member shall provide the Bank of Latvia, Member News and financial and capital market Commission requires Bank of Latvia register of credit report and Bank of Latvia provides credit information in the registry and the members of the financial and capital market Commission – electronically interactive, Web pakalpj (web services) or in the form of files in accordance with the provisions of the Bank of Latvia, establishing procedures for the electronic exchange of information with the Bank of Latvia.
8. Credit register electronically operate daily from noon. 07:00 to noon. 10. For technical reasons, the credit register is not running the Bank of Latvia, Latvian Bank on it electronically notify the participants and the financial and capital market Commission. The participant and the financial and capital market Commission of Latvia specifies the e-mail address to which you sent the message.
9. the participant is responsible for the accuracy of the information provided. The participant is obliged to examine the complaints and claims of the parties in relation to the credit register information about that person, which gives members of the Bank of Latvia.
10. a participant who takes over another participant's rights and obligations or claims, is also responsible for the claims or the rights and obligations of the takeover date of the credit register in the news of the borrower, the borrower's guarantor, his commitments and their status. This attendee has an obligation to examine individual complaints and claims in connection with the credit register information.
11. a member shall determine the order in which the Member shall inform the person as a member of the Bank of Latvia provides news about this person, their obligations and their status as a member and receive a credit on that person in the Register messages. The participant is obliged to inform the borrower and borrower's guarantor on how the borrower and borrower's guarantor may get credit for that person in the Register messages.
2. to be included in the credit register News 12. Bank collects, accumulates and stores credit register particulars of the borrower, the borrower's guarantor, their obligations and their status in the following areas: 12.1. details of borrower and borrower's guarantor;
12.2. the particulars of the borrower and the borrower's guarantor's obligations;
12.3. the particulars of the borrower's liabilities in balance;
12.4. the debtor information;
12.5. details of modified or withdrawn.
12.6. the information about the message.
13. details of the borrower and the borrower's guarantor are: 13.1 personal code;
13.2. entry into the Republic of Latvia valid travel document number;
13.3. entry into the Republic of Latvia valid travel document issuing country code;
8.3. date of birth;
13.5. single registration number;
13.6. the code of the country of registration;
8.5. registration number;
13.8. the date of the registration;
13.9. first and last name;
13.10. the name;
13.11. legal address;
13.12. income amount;
13.13. status;
13.14. category.
14. details of the borrower and the borrower's guarantor's obligations are as follows: 14.1 14.1.1 of the borrower's obligations: obligations of the borrower.;
14.1.2. the economic sector;
14.1.3. the borrower's liabilities start date;
14.1.4. the borrower's commitment end date;
14.1.5. the individual borrower's obligations start date;
14.1.6. the individual borrower's obligations end date;
14.1.7. borrower's obligations;
14.1.8. the borrower's currency code of obligations;
14.1.9. number of borrowers;
14.1.10. borrower's guarantor;
14.1.11. interest rates;
14.1.12. indication of syndicated loans;
14.1.13. indication of the trust;
14.1.14. losses;
14.1.15. collateral type;
14.1.16. collateral value;
14.1.17. currency of the security code;
14.1.18. the borrower's obligations to the identifier;
14.1.19. a borrower's obligations or preparation for entering date and time;
News for the borrower 14.1.20. obligations of the provider;
14.1.21. news of the borrower's obligations the supplier authorized person;
14.2. the obligations of the guarantor for the borrower: 14.2.1. borrower's guarantor's obligations start date;

14.2.2. the borrower's guarantor liability end date;
14.2.3. borrower's guarantor's undertaking;
14.2.4. borrower's guarantor liability currency code;
14.2.5. the borrower's obligations;
14.2.6. economic sector;
14.2.7. the borrower's liabilities start date;
14.2.8. the borrower's commitment end date;
14.2.9. borrower's obligations;
14.2.10. borrower's liabilities currency code;
14.2.11. number of borrowers;
14.2.12. borrower's guarantor;
14.2.13. interest rates;
14.2.14. indication of syndicated loans;
14.2.15. indication of the trust;
14.2.16. losses;
14.2.17. collateral type;
14.2.18. collateral value;
14.2.19. the Securities Exchange code;
14.2.20. the borrower's obligations to the identifier;
14.2.21. the borrower's obligations or preparation for entering date and time;
14.2.22. news of the borrower's obligations to the provider;
14.2.23. news of the borrower's obligations the supplier authorized person.
15. details of the borrower's liabilities in the balance are the following: 15.1 the borrower the amount of the remaining balance of the liability;
15.2. the borrower's unspent currency code;
15.3. the borrower classification group;
15.4. provisions for loan principal;
15.5. the savings credit currency code to the principal;
15.6. the borrower's commitment to quality;
15.7. the absence period;
15.8. the borrower's obligations delayed principal;
15.9. the borrower's obligations delayed principal currency code;
15.10. the delayed interest amount;
15.11. delayed interest amount currency code;
15.12. the calendar quarter.
16. The debtor's information is as follows: 16.1. late payment date;
16.2. late payment due date;
16.3. The credit institutions act, article 73 of the date of the infringement;
16.4. The credit institutions act, article 73 of the nature of the irregularity;
16.5. the other essential breach of contract date;
10.3. other fundamental breach of contract;
10.4. identification of the debtor's information;
16.8. the information of the debtor or the date and time of preparation;
10.5. the debtor's information provider;
16.10. the information of the debtor's authorised person.
17. information on modified or withdrawn information is as follows: 17.1. post edit or cancellation date;
17.2. the correction or cancellation of the message;
17.3. message corrector or anulētāj;
17.4. News anulētāj labotāj or authorized person.
18. information on post requests is as follows: 18.1. message request date;
18.2. the post request time;
18.3. requesting messages;
18.4. a message requesting authorized person.
19. The Bank does not collect, store or store Credit not register: 19.1. details of the borrower, the borrower's guarantor, his commitments and their status arising from the loan agreement or guarantee agreement on behalf of the members of which concluded its affiliate that is registered outside the Republic of Latvia;
19.2. details of central Governments, central banks and credit institutions, their commitments and obligations.
3. details of the borrower and the borrower's guarantor 3.1. Identity number 20. "ID code" gives the borrower or borrower's guarantor is a natural person.
21. gives the message "ID code" of the physical person who is a resident of Latvia, in accordance with the provisions of the Bank, which determines monetary financial institution balance reporting month (hereinafter resident), specify the ID number allocated by the Republic of Latvia, the citizenship and Immigration Department. Giving a message "ID code" of the physical person who is non-resident in accordance with the aforementioned provisions of the Bank of Latvia (hereinafter – non-resident), specify the ID number allocated by the entry into the Republic of Latvia valid travel document issuing country of the competent institution. If the borrower or borrower's guarantor is a natural person who is not a resident in the Republic of Latvia, shall indicate the ID number allocated by the issuing of the identity document of the competent institution.
3.2. Entry into the Republic of Latvia valid travel document number 22 "entry in the Republic of Latvia valid travel document number" gives the borrower or borrower's guarantor is a non-resident natural person.
23. in giving message "entry in the Republic of Latvia valid travel document number", indicates entry into the Republic of Latvia valid travel document number. If the borrower or borrower's guarantor is a natural person who is not a resident in the Republic of Latvia, shall indicate the identity document number.
3.3. Entry into the Republic of Latvia valid travel document issuing country code 24 message "entry in the Republic of Latvia valid travel document issuing country code" provides that if the borrower or borrower's guarantor is a non-resident natural person.
25. Giving message "entry in the Republic of Latvia valid travel document issuing country code" indicates entry into the Republic of Latvia valid travel document issuing country code in accordance with the international standard ISO 3166 "countries and their territorial breakdown unit name code" (hereinafter referred to as the standard ISO 3166). If the borrower or borrower's guarantor is a natural person who is not a resident of the Republic of Latvia, shall be appointed by the person in the document certifying the issuing country code according to ISO 3166.3.4. date of birth 26. "date of birth" gives the borrower, if the borrower or guarantor is a non-resident natural person.
3.5. The unified registration number 27 "single number" gives the borrower or borrower's guarantor has legal person resident.
3.6. the code of the country of registration 28. "registration code" provides that if the borrower or borrower's guarantor has legal entity non-resident.
29. Giving the message "registration code", indicates the country code according to ISO 3166.3.7. Registration number 30. "registration number" gives the borrower or borrower's guarantor has legal entity non-resident.
3.8. Registration date 31. message "registration date" provides the borrower or borrower's guarantor has legal entity non-resident.
3.9. the first name and last name 32. "name and surname" gives the borrower or borrower's guarantor is a natural person.
3.10. the name 33. "Name" gives the borrower or borrower's guarantor has legal person. If the borrower is an investment management company that takes a loan to the Fund account "name" includes both the investment management company name and the name of the investment fund and how that name specific punctuation to indicate the symbol "%" (investment management joint stock company ' XX '% open investment fund ' Foundation ' XX).
3.11. Legal address 34. "registered office" gives the borrower or borrower's guarantor has legal entity non-resident.
3.12. the amount of income 35. "income amount" provides, if requested by the borrower of the State Revenue Service statement of the borrower's income or content equivalent of another tax administration certificate or if a member has acquired the publicly available information about the borrower, who is a public officer, income in accordance with the consumer protection law, article 8, paragraph 1, the fifth subparagraph.
36. Giving message "income amount", indicates the State revenue service information on a borrower's income, in terms of content in the other country's equivalent of the tax administration certificate or public officers specified in the borrower's income statement for the previous tax year before the conclusion of the contract of loan. "Income amount" given in lats.
3.13.37. providing the Status message "Status" indicates whether a person is the borrower or borrower's guarantor.
3.14.38. Category "category" which has given the bank or company, which has a close relationship with the bank.
39. the "category" provides, if the borrower is a legal person.
40. in giving message "category", indicate the category of borrowers under the classification (annex 1).
4. details of the borrower and guarantor of the obligations of the borrower borrower liability 4.1 way 41. Giving message "borrower relationship type", indicates a borrower's obligations in accordance with the classification (annex 2).
4.2. Economic sector 42. "economic sector" gives the operator who is a bank or a company which has a close relationship with the bank.
43. the "economic sector" provided, if the borrower is a legal person who is not a resident of the municipality or a private individual (natural person or private-law legal person) who is a non-profit institution.
44. If the borrower's commitment end date is not more than one year later than the borrower's obligations start date, providing "economic sector", indicates the borrower a permanent economic sectors of economic activity under classifier (annex 3), determined in accordance with NACE Rev. 2. nomenclature, as laid down in Regulation (EC) No 1893/2006 of 20 December 2006 establishing the NACE Rev. 2. the statistical classification of economic activities in the and amending Council Regulation (EEC) No 3037/90 and certain EC regulations on specific statistical domains (hereinafter – NACE Rev. 2. nomenclature).

45. If the borrower's commitment end date is more than one year later than the borrower's obligations start date, providing "economic sector", indicate the economic sector, the development of which the borrower to the borrower's obligations in accordance with the classification (annex 3), determined in accordance with NACE Rev. 2. nomenclature.
4.3. The borrower's liabilities start date 46. Giving a message "the borrower's liabilities start date" indicates the loan agreement the effective date (the date of conclusion of the contract or loan agreement set out in the loan agreement, the date of entry into force).
4.4. The borrower's commitment end date 47. Giving a message "the borrower's commitment end date" indicates the loan the borrower's obligations specified in the contract execution date. If the borrower's obligations not set due date (to demand enforceable commitment), "borrower's obligations end date" indicates. If the borrower's obligations expire before the date specified in the loan agreement, the borrower's obligations to the actual expiration date.
4.5. The individual borrower's obligations start date 48. Giving a message "connection of the individual borrower's starting date" indicates the loan agreement the effective date (the date of conclusion of the contract or loan agreement set out in the loan agreement, the date of entry into force), if different from the joint and several commitments of the borrowers of the start date. If the borrower the borrower jointly for several periods of time one borrower's obligations, "the individual borrower's obligations start date" indicates the relationship of this borrower's date of entry into force.
4.6. The individual borrower's obligations end date 49. Giving message "individual borrower commitment end date" indicates the loan contract obligations of the borrower or borrower's due date to the actual date of the commitment, where different from the joint and several commitments of the borrowers of the end date. If the borrower the borrower jointly for several periods of time one borrower's obligations, "the individual borrower's obligations end date" indicates the relationship of this borrower's end date.
4.7. The borrower's commitment to providing news of 50 "the borrower's commitment", States the loan borrower obligations laid down in the Treaty (the billing credit cards, credit limit, the amount of the mortgage loan or financial leasing, credit principal operational leasing-lease payments total credit to the customer's claim (factoring) – factoring limit amount URu.tml.). If the syndicated credit issued, giving the message "the borrower's commitment", the syndicated credit in the amount of shares issued by a member.
4.8. The borrower's liabilities currency code 51. Giving message "the borrower's liabilities currency code", specifies the currency in accordance with the international standard ISO 4217, "codes for currencies and resources" (hereinafter – the standard ISO 4217).
4.9. the number of borrowers in 52. "Borrower" is formed automatically when a member of the borrower and the borrower's liabilities.
53. As "Borrower" indicate the number of borrowers who are jointly and severally liable for the obligations of the borrower.
4.10. The borrower's guarantor number 54. "borrower's guarantor" created automatically when a member of the borrower and the borrower's guarantor the guarantor's obligations.
55. As the "Borrower's guarantor number" indicates the number of the borrower's guarantor, which is currently in force guarantee the borrower's liabilities.
4.11. Interest rates way 56. Giving message "rate type" indicates whether the loan agreement in fixed or variable interest rate.
4.12. indication of the syndicated credit 57. "indication of the syndicated credit" provides, if a participant is issued by a borrower syndicated credit.
4.13. indication of the trust's credit 58. "indication of trust loans ' supplied where the Member issued a borrower loans in their own name, but the other person's good.
4.14. Losses 59. "losses" shall provide, if written down borrowers, excluding it from its own balance sheet.
60. the "losses" given in lats.
4.15. the security type 61. "Security Type" gives the participant which is a bank, company, which has a close relationship with the bank or Credit Union.
62. in giving the message "type" indicates each loan contract security in accordance with the classification (annex 4). If the loan agreement the borrower's liabilities in fleet, giving the message "type" indicates that the engagements of the borrower is not security.
4.16. the collateral value 63. "security" provides membership, which is a bank, company, which has a close relationship with the bank or Credit Union.
64. The message "security" provides, if the loan agreement specifies one or more security of the borrower. If the value of the collateral is revalued, often t.sk. loans with mortgage securities URu.tml., "collateral" right more frequently than once per quarter.
65. in giving the message "security", specifies each loan in the borrower's obligations specified in the contract, the fair value of the collateral. If one of more of the borrower provided security, specify the part of the fair value of the collateral, which in accordance with the Member's decision to provide certain borrower obligations. If the syndicated credit granted and issued to the participants in the syndicated loan for part of the security set is a part of the security by providing "security", specifies this part of the fair value of the security.
4.17. the Securities Exchange code 66. message "currency code" provides that a member's bank, the company, which has a close relationship with the bank or Credit Union.
67. The message "currency code" provides that if the loan agreement specifies one or more security of the borrower.
68. providing "Security" for the currency code, specifies the currency in accordance with the standard ISO 4217.4.18 borrower relationship ID 69. Giving message "the borrower's liabilities, the participant identifier" independently give the borrower the symbol a unique connection string (maximum 35 characters) by which the details of the borrower's obligations can be identified among the other members of this Credit given the information in the register of that Member's or guarantor of borrower borrower obligations.
4.19. The borrower's liabilities or entering the date and time of preparation of the 70s. "borrower's obligations or preparation for entering date and time" is formed automatically when the Member provides news about the borrower's liabilities.
71. As the "borrower's obligations or preparation for entering date and time" indicates the date and time at which the message of the borrower's liabilities recorded in the credit register.
4.20. The message about the borrower's obligations supplier 72. message "message for obligations of the borrowers ' formed automatically when the Member provides news about the borrower's liabilities.
73. As the message "message for obligations of the borrowers ' indicates the name of the participant, who gave the news of the borrower's liabilities.
4.21. The message about the borrower's obligations the supplier authorized person 74. message "message for obligations of the provider the borrower's authorised person" created automatically when the Member provides news about the borrower's liabilities.
75. As the message "message for obligations of the provider the borrower's authorised person" indicates the name of the person that the member name of the Bank of Latvia provided details of the borrower's obligations in accordance with the provisions of the Bank of Latvia, establishing procedures for the electronic exchange of information with the Bank of Latvia.
4.22. The borrower's guarantor's obligations start date of 76. "borrower's guarantor's obligations start date" gives the borrower the guarantor's undertaking if the start date is different from the borrower's liabilities start date.
77. in giving message "borrower's guarantor's obligations start date" indicates the guarantee agreement the effective date (the date of conclusion of the contract of guarantee or surety guarantees laid down in the Treaty, the date of entry into force of the Treaty). If the borrower's guarantor the guarantor is the borrower more time to one borrower, guarantor's obligations within the "borrower's guarantor's obligations start date" indicates this borrower's guarantor's obligations start date.
4.23. The borrower's guarantor's obligations end date 78. "borrower's guarantor's obligations end date" gives the borrower the guarantor's undertaking if the end date is different from the end date of the commitment of the borrower.
79. in giving message "borrower's guarantor's obligations end date" indicates the date laid down in the Treaty of guarantee, in which the borrower's guarantor liability ceases. If the borrower's guarantor's undertaking shall cease before the date stipulated in the contract of guarantee, the borrower's guarantor's undertaking the actual expiration date. If the borrower's guarantor the guarantor is the borrower more time to one borrower, guarantor's obligations within the "borrower's guarantor's obligations end date" indicates this borrower's guarantor's obligations end date.
4.24. The borrower's guarantor's commitment

80. "the borrower's guarantor's commitment", where the borrower's guarantor gives head on the part of the borrower's liabilities.
81. in giving message "borrower's guarantor's commitment", indicates the borrower set out in the Treaty of guarantee the guarantor's undertaking.
4.25. The borrower's guarantor liability currency code 82. "borrower's guarantor liability currency code", where the borrower's guarantor gives head on the part of the borrower's liabilities.
83. in giving message "borrower's guarantor liability currency code", specifies the currency in accordance with the standard ISO 4217.5. Particulars of the borrower's liabilities the balance of the borrower's liabilities balance 5.1 volume 84. Giving message "the borrower the amount of the balance of obligations", indicate the Member's balance sheet of the reporting period (calendar quarter) at the end of the borrower the amount of the balance of commitments (payment of credit cards-you actually paid the amount of credit, mortgage or financial leasing – the remaining credit amount operational leasing-lease payments total balance, a credit to the customer's claim (factoring) – loans actually paid out URu.tml.).
5.2. obligations of the borrower's currency code 85. Giving message "borrower's unspent currency code", specifies the currency in accordance with the standard ISO 4217.5.3. classification of the borrower group 86. "borrower classification group ' which has provided credit unions.
87. in giving message "borrower classification group ', indicate the borrower's liabilities classification groups in accordance with the classification code (annex 5). Borrower classification group shall be determined in accordance with the financial and capital market Commission's rules on the valuation of assets.
5.4. credit to the principal provisions 88. News "accruals credit to the principal" provide Member, which is a bank registered in the Republic of Latvia, the bank's subsidiary company, registered in the Republic of Latvia, or credit unions.
89. providing news "accruals credit to the principal", indicates the amount of stocks that have been created for the borrower's credit obligations to the principal in accordance with the financial and capital market Commission's rules on the valuation of assets. If you can not separate the provision of credit to the principal and interest amount separately, as a news "accruals credit to the principal" indicates the total amount of savings.
90. in giving news "accruals credit to the principal", a provision that created the borrower obligations for the purposes of the assessment of the joint groups with similar risk characteristics and assessed in accordance with the financial and capital market Commission's rules on the evaluation of quality of assets and savings, the bank noted the commitment of each borrower individually. To determine the savings for each group in the borrower's obligations, the obligations of the borrower group created for the total provision allocated in proportion to each borrower on the remaining balance of the liability.
5.5. The savings credit to the principal currency code 91. News "accruals credit principal currency code" provides that a member is a bank registered in the Republic of Latvia, the bank's subsidiary company, registered in the Republic of Latvia, or credit unions.
92. providing news "accruals loan principal amount currency code", specifies the currency in accordance with the standard ISO 4217. Borrower's liabilities 5.6 quality way 93. "the borrower's commitment to quality" gives the type of Member that is a bank registered in the Republic of Latvia, the bank's subsidiary company, registered in the Republic of Latvia, or credit unions.
94. Giving a message "the borrower's commitment quality type" indicates whether the borrower's commitment to quality is evaluated individually or in a group of credit, determined in accordance with the financial and capital market Commission's rules on the valuation of assets.
5.7. the absence period 95. "period of delay" gives the Member that is a bank, company, which has a close relationship with the bank or Credit Union.
96. "period of delay" gives the borrower's obligations is the balance sheet of the reporting period (calendar quarter) last the end of the day, and in accordance with the loan agreement they considered delayed.
97. Giving message "late period", indicates the number of days of delay.
5.8. The borrower's obligations delayed principal 98. "borrower obligations delayed principal" gives a member which is a bank, company, which has a close relationship with the bank or Credit Union.
99. "the borrower's obligations delayed principal" provides, if in accordance with the loan contract, in force on the balance sheet of the reporting period (calendar quarter) last the end of the day, the late principal payment. If you can't distinguish between a borrower's liability for delayed principal of the delayed interest amounts, as reported in the "borrower's principal obligations delayed" indicates the absence of a total commitment of the borrower.
5.9. The borrower's obligations delayed principal currency code 100. "borrower obligations delayed principal currency code" provides that a member's bank, the company, which has a close relationship with the bank or Credit Union.
101. "the borrower's obligations delayed principal currency code" provides that if, in accordance with the loan contract, in force on the balance sheet of the reporting period (calendar quarter) last the end of the day, the late principal payment.
102. in giving message "borrower obligations delayed currency code of the reference" specifies the currency in accordance with the standard ISO 4217.5.10. Delayed interest 103. message delayed "interest amount" provides members that is a bank, company, which has a close relationship with the bank or Credit Union.
104. The message "delayed interest" gives, if in accordance with the loan contract, in force on the balance sheet of the reporting period (calendar quarter) last the end of the day, late payment interest and late interest can be separated from the borrower's obligations delayed principal.
5.11. the delayed interest amount currency code 105. message "delayed interest amount currency code" provides that a member's bank, the company, which has a close relationship with the bank or Credit Union.
106. The message "delayed interest amount currency code" provides that if, in accordance with the loan contract, in force on the balance sheet of the reporting period (calendar quarter) last the end of the day, late payment interest and late interest can be separated from the borrower's obligations delayed principal.
107. in giving message "delayed interest amount currency code", specifies the currency in accordance with the standard ISO 4217.5.12 calendar quarter 108. providing "calendar quarter", with Arabic numerals indicate the year and quarterly order numbers.
6. the debtor information 6.1. Late payment date 109. "late payment date" provides the following cases: 109.1. the borrower delays the loan agreement a down payment for more than 60 calendar days, and all borrowers delinquent payments, t.sk. interest and penalties, reaches 100 dollars or equivalent of this amount in foreign currency;
109.2. borrower's guarantor shall prevent the Treaty of guarantee payment for more than 60 calendar days, and all the borrower's guarantor of delayed payments, t.sk. interest and penalties, reaches 100 dollars or equivalent of this amount in foreign currency.
110. providing "late payment date", indicate the date from which the borrower or borrower's guarantor shall prevent the loan contract or guarantee of payment specified in the agreement ("late payment date" does not furnish repeatedly until the message "provided late payment due date").
6.2. Late payment due date 111. "late payment due date" provided by "date of" late payment provision in the following cases: 111.1. paid all loans delayed the payments under the contract;
all paid-111.2. late payments under the contract of guarantee.
112. providing "late payment due date", indicate the date in which all hinder a fully paid the loan agreement or the guarantee payments under the contract.
6.3. Article 73 of the law of credit institutions the requirement date of the infringement, 113. "the law of credit institutions claim infringement of article 73 date" provides the operator who is a bank.
114. "the law of credit institutions claim infringement of article 73 date" provided if the borrower or borrower's guarantor of the credit institutions act violated article 73.
115. in giving message "73 of the law of credit institutions claim infringement of article date" indicates the date the borrower or borrower's guarantor of the credit institutions act violated article 73.
6.4. Article 73 of the law of credit institutions, the nature of the infringement of the claim 116. "the law of credit institutions claim infringement of article 73 of the way" gives the operator who is a bank.
117. "the law of credit institutions claim infringement of article 73 of the way" gives the borrower, if the borrower or the guarantor of the credit institutions act violated article 73.
118. in giving message "73 of the law of credit institutions claim infringement of article type", indicates a violation of the law of credit institutions, article 73, in accordance with the classification requirements (annex 6).
6.5. other substantial breach of contract date 119. "other relevant date of breach of contract" provided in the following cases: 119.1. the borrower is in breach of others, by Member rating, essential requirements of loan agreement, t.sk. Member disposed subject, obligations of securities completed the borrower's guarantor URu.tml.;

119.2. borrower's guarantor violated another important member rating, guarantee claims, t.sk. Member disposed of URu.tml the subject of pledge.
120. in giving the message "another essential breach of contract date" indicates the date on which the borrower or borrower's guarantor violated other, by Member, significant loan agreement or guarantee claims.
6.6. other substantial breach of contract description 121. "other relevant description of the breach of contract" provided in the following cases: 121.1. borrower violated another, by Member rating, essential requirements of loan agreement, t.sk. Member disposed subject, obligations of securities completed the borrower's guarantor URu.tml.;
121.2. the borrower's guarantor violated another important member rating, guarantee claims, t.sk. Member disposed of URu.tml the subject of pledge.
122. providing "other relevant description of the breach of contract", specifies the loan agreement or guarantee agreement violated.
6.7. identification of information 123 of the debtor. If the debtor gives information about the borrower or borrower's guarantor, providing "Debtor information identifier", participant, independently assign a unique symbol of the debtor information series (up to 16 characters) that the debtor's information one borrower and borrower's guarantor's undertaking to identify the framework between all the Credit of the debtor in the register information, the borrower and the borrower's guarantor's undertaking.
6.8. the information of the debtor or the date and time of preparation of the 124. "the information of the debtor or the date and time of preparation" is formed automatically when the Member provides the debtor information.
125. As the message "the information of the debtor or the date and time of preparation" indicates the date and time of the debtor's information is recorded in the register of Credit.
6.9. The debtor's information provider 126. "debtor's information provider" is formed automatically when the Member provides the debtor information.
127. As reported in the "information provider of the debtor" indicates the name of the Member who provided the debtor information.
6.10. the information of the debtor's authorised person 128. "the information of the debtor's authorised person" created automatically when the Member provides the debtor information.
129. As reported in the "information provider of the debtor's authorised person" indicates the name of the person that the member name to the debtor Bank of Latvia provided information in accordance with the provisions of the Bank of Latvia, establishing procedures for the electronic exchange of information with the Bank of Latvia.
7. information on modified or withdrawn information 7.1. message correction or cancellation date 130. message "message edit or cancellation date" is formed automatically when the Member is right or withdraw credit register in the news.
131. As the message "message edit or cancellation date" indicates the date on which the credit register in the news right or withdraw.
7.2. the correction or cancellation of news time 132. message "message edit or cancellation time" is formed automatically when the Member is right or withdraw credit register in the news.
133. As a message "message edit or cancellation time" indicates the time when the credit register in the news right or withdraw.
7.3. message or anulētāj of 134 corrector. "message in the corrector or anulētāj" created automatically when a member right or withdraw credit register in the news.
135. As news "reporting corrector or anulētāj" specifies the name of the Member who right or withdraw credit register in the news.
7.4. message labotāj or authorized person anulētāj 136. message "message to labotāj or anulētāj authorized person" created automatically when a member right or withdraw credit register in the news.
137. As a news "news labotāj or anulētāj authorized person" indicates the name of the person whose right or on behalf of the participant cancels the credit register, in accordance with the terms of the Bank of Latvia regulations establishing procedures for the electronic exchange of information with the Bank of Latvia.
8. information about the message requests 8.1. request the message date 138. message "message request date" automatically create credit messages in the registry at the time of application.
139. As news "reporting request date" indicates the date on which the message request is recorded in the register of Credit.
8.2. message request time 140. message "message request time" automatically create credit messages in the registry at the time of application.
141. As the news "post request time" indicates the time at which the message request is recorded in the register of Credit.
8.3. Post applicant 142. message "message requesting" automatically create credit messages in the registry at the time of application.
143. As a message "message requesting" indicates the name of the applicant.
8.4. details of applicant's authorised person 144. message "message requesting authorized person" created automatically when a member or financial and capital market Commission requesting the credit register in the news.
145. As the message "message requesting authorized person" indicates the person's name and surname in the name of the applicant, which request credit information in the registry in accordance with the provisions of the Bank of Latvia, establishing procedures for the electronic exchange of information with the Bank of Latvia.
9. Reporting for the 146 members of the Bank of Latvia gives details of the borrower and the borrower's obligations as well as on the borrower and the borrower's guarantor the guarantor's obligations within five working days of notification of these commitments start date.
147. a member of the Bank of Latvia provided details of the borrower's liabilities the balance of 15 working days of the reference period (calendar quarter) end.
148. the Member shall provide to the debtor's Bank information the following periods of time: 148.1. within five working days after the date on which the borrower or borrower's guarantor shall prevent the loan contract or guarantee of payment under the contract of longer than 60 calendar days, and all the borrower or borrower's guarantor of delayed payments, t.sk. interest and penalties, reaches 100 dollars or equivalent of this amount in foreign currency;
148.2. within five working days after the date on which the participant determines that the borrower or borrower's guarantor violated article 73 of the law of credit requirements;
148.3. five working days after the date on which the participant determines that the borrower or borrower's guarantor violated other participants rating of the loan agreement or the relevant Office of guarantee claims.
149. a member of the Bank of Latvia provides news about late payment execution five working days after all the delayed loan contract or guarantee of payment specified in the contract, the full payment.
150. a participant within six months after the date of acquisition of the status of members of the Bank of Latvia provided details of their member status at the date of 00.01 existing borrowers and borrower, guarantor of their commitments and their status.
151. If a participant loses the status of participants, participant shall immediately deliver to the Bank details of the borrower and the borrower and guarantor of fulfillment of obligations as obligations of due date, specify the membership loss.
10. the Declaration of the rights and obligations or in the event of the transfer of the claim to 152. If the participant is fully taken over by the entity that provides credit risk related to financial services, but is not a participant, the rights and obligations or claims, the participant within six months after this law the rights and obligations of the holder of the claim or the date of acquisition of the Bank of Latvia provides news about this subject or the rights and obligations of the claim at the date of acquisition. 00.01 existing borrowers and borrower, guarantor of their commitments and their status.
153. If the participant takes over separate legislation that gives the credit risk related to financial services, but is not a participant, the rights and obligations of the individual claims, or a member of the Bank of Latvia provided details of the borrower or borrower's guarantor, his commitments and their status within five working days of notification of those rights and obligations or the date of the transfer of the claim. If the participant took over the large number of claims or the rights and obligations of the Bank of Latvia at the Member's request, be extended post on these borrowers, borrowers, guarantors of their commitments and their status in the period of the provision of up to six months.
154. If the participant takes the right-holder's rights and obligations or claims that give the credit risk related to financial services, but is not a participant, the participant shall provide information to the debtor in the following cases: 154.1. borrower or borrower's guarantor shall prevent the loan contract or guarantee of payment under the contract of longer than 60 calendar days, counted from the right and the obligation or the date of the transfer of the claim, and all of the borrower or borrower's guarantor's delayed payment amount , t.sk. interest and penalties, reaches 100 lats or the cash equivalent in foreign currency;
154.2. a Member finds that the borrower or borrower's guarantor of the credit institutions act violated article 73, by the rights and obligations or the date of the transfer of the claim;

154.3. the Member finds that the borrower or borrower's guarantor violated other, by Member, significant loan agreement or guarantee agreement, and the rights and obligations of the claim or the date of the transfer.
155. If the participant takes the right-holder's rights and obligations or claims that give the credit risk related to financial services, but is not a member of the transferred rights and obligations or the particulars of the borrower's claim on the remaining balance of the liability for the absence from this period also the rights and obligations of the claim or the date of the transfer.
156. If a participant takes over another participant's rights and obligations or claims, within 10 working days of when these rights and obligations, or the date of the transfer of the claim each Member shall inform the Bank of Latvia and the Member who takes over another participant's rights and obligations or claims, the Bank of Latvia provides news about this or the rights and obligations of the t.sk of the claim. need to change the borrower's obligations to the debtor's identification and identification information. The Bank of Latvia immediately as news provider registered participants, who takes over the rights and obligations or claims, and change the borrower's obligations to the debtor's identification and identification information.
157. Where a participant transfers the rights and obligations of the holder of the right or claim that is not a participant, the participant within five working days of notification of those rights and obligations or the date of service of the claim provided the Bank of Latvia about this the borrower or borrower's guarantor's obligations and commitments as due date, specify the rights and obligations or the due date of the claim.
11. message correction and cancellation 158. Participant can correct all the credit in the registry, except for this provision, 14.2.20. and 10.4 14.1.18. the information referred to. If the credit in this provision in the registry, or 16.7 14.1.18.14.2.20. News referred to changes or is incorrect, the participant is cancelled.
159. a member may edit or cancel these terms 13.1.-8.6. Credit register referred to in the news for the borrower or borrower's guarantor only interactively.
160. to fix the rules.-13.9 13.14. Credit register referred to in the news for the borrower or borrower's guarantor or register of existing Credit terms for the borrower or borrower's guarantor's obligations in the form of a file, the participant shall provide the Bank of Latvia again all the information about the borrower and borrower's guarantor's obligations included in this news group, as well as details of the borrower and the borrower's guarantor.
161. To edit an existing message in the credit register of the debtor's information, the participant shall provide the Bank of Latvia again any messages that fall within this group.
162. to repair the credit register in the news of the borrower's liabilities in the balance, the participant repeatedly offers all the messages that fall into this group.
163. If a member has the right to credit such register particulars of the borrower, the borrower's guarantor, borrower's obligation, the guarantor's liability or borrower debtor information, previously provided details of the borrower's liabilities in the balance, the participant repeatedly also provides recent news for the borrower on the remaining balance of the liability.
164. A change in the credit register in the news or in the credit register is erroneous, the participant in the credit register messages or cancelled within five working days of notification or error detection.
165. If a competitor unduly provided Latvian Bank News, Member cancels the credit register messages within one working day after reporting the finding of no validity.
166. If the credit register particulars of the borrower's liabilities balance is flawed or unduly provided participants a Latvian Bank with details of the borrower's liabilities in the balance, the right or withdraw credit register particulars of the borrower's liabilities balance within one working day after the error or message delivery inter-company is unjustified. A participant can take the steps mentioned in this paragraph to the beginning of the next calendar quarter.
12. message logging in the credit register 167. Bank of Latvia recorded messages in the credit register within one working day after the receipt of the message.
168. If one Member or more participants at the Bank of Latvia provided a large volume of news, the Bank of Latvia may extend the deadline for registering the credit register, notice to the Member.
13. the register of Credit for existing posts 169. The participant has the right to receive credit news about in the registry: 169.1. natural and legal persons who are members of the borrower or borrower's guarantor;
169.2. natural and legal persons of the Member who submitted a written application for the conclusion of the loan agreement;
169.3. natural and legal persons, the participant has confirmed that in writing will provide guarantee for persons who are members of the borrower, or the person who submitted the application to the participant for the conclusion of the loan agreement, the borrower's liabilities;
169.4. natural and legal persons, who have qualifying holdings in that rule, 169.2 169.1. or in the specified company 169.3;
company, which is a 169.5. This provision, 169.2.169.3 169.1. or. a legal person referred to in the subsidiary company;
169.6. company in which this provision, 169.2.169.3 169.1. or. in point person has a significant interest;
169.7. This provision 169.1., 169.2. or 169.3. legal persons established under the Board and the Management Board.
170. The participant has the right to get that rule 13.1.-13.11.,.,., 13.13 13.14 14.1.1.-.,., 14.1.12 14.1.15 14.1.19., 14.2.1 – 14.2.14.,., 14.2.21., 14.2.17 15.1, 15.2, 16.1.-15.12., and section 16.8 16.6. in certain credit information in the registry for this rule set out in paragraph 169 persons, as well as Credit information in the register of that Member's information, modified and cancelled messages and message requests.
171. If the participant takes over another participant's rights and obligations or claims, the participant who takes over this right and obligation or claim, is entitled to receive credit for the information in the register about the messages that the participant which pass these rights and obligations or claims, provided, or to cancel the edit rights and obligations or of the transfer of the claim date, but the participant who pass these rights and obligations or claims is entitled to receive credit for the information in the registry only on this post requests that are made to the participant's rights and obligations, or the date of the transfer of the claim.
172. any person has the right to receive free of charge all over the about yourself in the credit register, except for this provision, 14.1.21, 14.2.15 14.1.13..., 14.2.23., 16.10., 17.4., and 18.4. the information referred to.
173. the consumer customer has the right to get this rule 14.1.1.,.,., 14.1.12 14.1.15 14.1.19., 14.2.1 – 14.2.14.,., 14.2.21., 14.2.17 15.1, 15.2, 16.1.-15.12., and section 16.8 16.6. in the credit register in the news for the consumer.
174. Financial and capital market Commission is entitled to receive all the credit in the registry, except that rule 14.1.21., 14.2.23. and in paragraph and 16.10.17 and 18 above.
175. The participant has the right to get statistical information on register of Credit information, which provided that Member and the change in a way that does not allow you to be identified either directly or indirectly any of the borrowers or borrower's guarantor, as well as credit information registry that provided by other people, in a way that does not allow you to be identified either directly or indirectly any of the borrowers or borrower's guarantor or other participants. Financial and capital market Commission is entitled to receive statistical information about all credit information registry and change in a way that does not allow you to be identified either directly or indirectly any of the borrowers or borrower's guarantor.
14. in the credit register News issue 176. for credit register yourself, a person shall submit a written request to the Bank of Latvia. Request this person's name can be made by any person.
177. the Bank shall issue to the person on their Credit record personal messages. Credit information in the registry on behalf of a person can also receive these individuals and patron of this natural or legal persons of the Governors.
178. in order to receive credit for the register the particulars of the person, the recipient of the Bank of Latvia presented the following documents: 178.1. physical person – identity documents;
178.2. the representative of the legal person, identity document and the document confirming his right to represent the legal person without special authorisation;
178.3. natural persons patron – identity documents and family courts decision on the appointment of the guardian;
178.4. natural or legal persons of the Governors – identity documents and notarized powers concerning entitlement to the credit register.
179. the Bank issues the credit register in person for their messages in five working days after receipt of the request.

180. in order to receive credit for the register the particulars of the consumer, the consumer credit register creditor request section (address: pkp.bank.lv) complete the application interactively by specifying a credit register in the news issue of necessary information (annex 7). Application on behalf of a creditor of the consumer can be filled by any person.
181. The application of the creditor, the consumer pays a fee to the Bank for the use of the credit register, in accordance with the provisions of the Bank of Latvia, which determines the charges for the use of the credit register and payment arrangements.
182. The Bank of Latvia within two working days after the charge for the use of the credit register receipt shall transmit the application to the consumer in the application of the postal address of the consumer credit register in the post request, the identification code and an indication of the use of this code and privacy is in the form of mailings that provide the service of mailing directly to the consumer and the consumer's signature on the receipt of mail. If the application contains the consumer's mailing address outside of Latvia, Latvian Bank draws up a statement of the credit register in the post request, the identification code and the privacy of all European Union and European economic area countries.
183. The application consumer credit register in the post request, the identification code for interactive input credit registry request section (address: URpkp.bank.lv). The credit register in the post request, the identification code for the application in the name of consumers can enter any person specified in the application, the code passed to the consumer.
184. the Bank shall within five working days of notification in the credit register request message identification code sends the credit receipt in the registry specified in the application information for the vendor on the consumer in the consumer's application for the vendor's address is in the form of mail that provides mail service directly to consumers for the vendor and the consumer's signature on the vendor mailing receipt. If the application of the consumer, vendor mailing address outside of Latvia, Latvian Bank draws up the credit register messages to Latvian and English.
185. the Bank issues the credits register news members and the financial and capital market Commission within one working day after receipt of the request.
186. If one or more participants or financial and capital market Commission of Latvia, Bank has requested a large amount of news, the Bank of Latvia can extend the message addressed by notifying the applicant.
15. concluding issues 187. Be declared unenforceable by the Bank of Latvia on 14 January 2010, Regulation No 51 "credit registry" (Latvian journal Nr. 13, 2010).
188. the rules shall enter into force on 22 October 2010.
189. If January 1, 2008 is the start of the liquidation, the participant shall provide the Bank of Latvia, the particulars relating to the information contained in the registry of Debtors.
Informative reference to European Union Directive provisions included in the law arising from the European Parliament and of the Council of 23 April 2008. Directive 2008/48/EC on credit agreements for consumers and repealing Council Directive 87/102/EEC.
The Bank of Latvia President i. Rimšēvič in annex 1 the Bank of Latvia 2010 October 18, Regulation No 62 category classification category code of 20 Local insurance company or pension fund 32 other financial intermediaries (except insurance corporations and pension funds) or 31 of the financial palīgsabiedrīb natural persons operating a non-profit institution 90 Micro (average annual number of employees less than 10; annual net turnover not exceeding 2 million euros equivalent in lats or balance sheet total assets not exceeding 2 million euros equivalent in lats) 44 small business (average annual number of employees less than 50; annual net turnover not exceeding 10 million. the euro equivalent in lats or balance sheet total assets do not exceed 10 million. the euro equivalent of ls) 43 medium-sized enterprise (average annual number of employees less than 250 annual net change; does not exceed 50 million euros equivalent in lats or balance sheet total assets do not exceed 43 million euros equivalent in lats) 42 big company (average annual number of employees exceeding 250; annual net sales exceed 50 million euros equivalent in lats or balance sheet total assets exceeded 43 million euros equivalent in lats) 41, the President of the Bank of Latvia i. Rimšēvič in annex 2 of the Bank of Latvia 2010 October 18, Regulation No 62 borrower relationship types classification of obligations of Borrower type code increase working capital credit (commercial loan) (loan, t.sk. checking account debit balance (overdraf), non-financial corporations or financial institutions financing for working capital, with the exception of credit, Bill of Exchange, the who listed as billing credit cards or credit to the customer's claim (factoring)) 10 industrial credit (loans issued by non-financial corporations, financial institution or non-profit institutions serving households for the acquisition of fixed assets and other long-term financing for investment projects the exception loans, which are shown as capital lease or mortgage credit) 20 reverse repo deal 30 Bill (loans issued to the customer's Bill or make payments to the borrower instead of third person also should be presented here accepted customer bills for which the customer has not fulfilled its obligations to the extent and within the time limit set) 50 40 capital lease account card credit (loans issued in accordance with the payment card agreement terms of use) 60 other credit consumer product purchase (loan , t.sk. current account balance (overdraf), which served the household consumer goods, such as household appliances or cars, purchasing and services such as medical care or travel, salaries, which are not related to profit and not listed as billing credit cards or financial leasing) 70 credit to households for house purchase, construction, reconstruction, repair, issued against mortgage mortgage loan 80 purchasing real estate construction, reconstruction, repair, issued against the mortgage, except household issued home loans, construction, reconstruction, repair of 81 Other credit for households for house purchase, construction, reconstruction, repair, not the mortgage credit Loans to customers of 85 claim (factoring) 90 95 Other loans use lease 100 110 other liabilities of the Bank of Latvia President i. Rimšēvič in annex 3 of the Bank of Latvia 2010 October 18, Regulation No 62 economic sectors classification code 1 2 economic sector agriculture , forestry and fisheries A crop and livestock production, hunting and related ancillary 01 forestry and logging 02 03 fisheries, mining and quarrying (B) manufacturing (C) food production 10 11 manufacture of beverages manufacture of tobacco products manufacture of Textiles Clothing 12 13 14 wood manufacturing, wood and cork products, except furniture; straw and wicker products manufacture of paper and paper products 16 manufacture 17 printing and reproduction of records 18 chemicals and chemical products manufacture of pharmaceutical assay and 20 pharmaceutical production in 21 of 24 metals fabricated metal products, except machinery and equipment manufacture of Furniture 25 31 Equipment and appliances repair and installation of 33 electricity, gas supply, heating and air conditioning (D) water supply; sewage, waste management and remediation (E) construction (F) wholesale and retail; automotive and motorcycle repair cars and motorcycles (G) wholesale, retail and repair 45 wholesale, except for cars and motorcycles retail trade, except of the 46 cars and motorcycles 47 Transport and storage (H) land transport and pipeline transport 49-50 water transport 51 air transport auxiliary storage and transport postal and courier activities 52-53 accommodation and food services (I) information and communication services (J) financial and insurance activities (K) transactions in financial services , except insurance and pension accumulation activities of 64 Number pooling Funds 64.20 trasto, funds and similar financial entities 64.30 64.91 financial leasing other lending services not elsewhere classified 64.92 financial service activities, except insurance and pension accumulation insurance, reinsurance and 64.99 pension accumulation, except compulsory social insurance, financial services and insurance 65 activities complementary activities 66 financial market management operations in securities 66.11 66.12 other financial services complementary activities , except insurance and pension accumulation of insurance and pension accumulation 66.19 complementary action 66.2 operations with the real estate L professional, scientific and technical services M

Administrative and operating services N public administration and defence; compulsory social security education health and P O social care Q arts, entertainment and recreation other services S R is not an information Bank of Latvia President Z i. Rimšēvič in annex 4 of the Bank of Latvia 2010 October 18, Regulation No 62 type classification type code first housing mortgage first mortgage, 10 commercial units in 20 first plot of 30 other mortgages mortgages 40 debt securities and other fixed income securities that are quoted on a regulated market 51 debt securities or other fixed income securities that are not quoted on the regulated markets 52 shares or other securities with a fixed income, which are quoted on a regulated market, 61 shares or other securities with a fixed income that is not listed on the regulated market of the Other 62 70 guarantee the pledge or guarantee for 80 Government guarantee or warranty the guarantee of the credit institution Deposits 82 81 90 100 110 other unsecured Bank of Latvia President i. Rimšēvič in annex 5 of the Latvian Bank 2010 18. Regulation No. 62 October borrower classification group classification the classification of obligations of the borrower group code standard 1 2 3 Zemstandart Monitored suspicious 4 lost 5 of the Bank of Latvia President i. Rimšēvič in annex 6 of the Bank of Latvia 2010 October 18, Regulation No 62 of the law of credit institutions claim infringement of article 73 of the law of credit institutions of the classification article 73 of the code violation does not provide full information about its financial status has not provided full information of V1 on V2 of their property does not provide full information about the property burden Not provided true V3 information about your financial situation is not provided truthful information V4 on their property Not provided truthful information V5 property encumbrance V6 does not provide other information necessary for participants to ascertain whether the borrower or borrower's guarantor with a member or members to mutually form the Group of connected clients, the President of the Bank of Latvia the V7 i. Rimšēvič in annex 7 of the Bank of Latvia 2010 October 18, Regulation No 62 electronic information appearing in the application, information about the consumer 1. 1.1. name and surname: (required to be indicated);
1.2. date of birth (required to be non-resident);
1.3. identifying the document issuing country code (required to be non-resident);
1.4 identifying the number of the document (required to be non-resident);
1.5. personal code (required to be residents, non-residents-if the assigned);
1.6. mail address (required to be indicated);
1.7. e-mail address.
2. information on the consumer's creditors – physical person: 2.1. name and surname (required to be indicated);
2.2. the value added tax number (indicate, if any, granted);
2.3. the declared place of residence address (required to be indicated);
2.4. the mail address (required to be indicated);
2.5. e-mail address.
3. information on the consumer's creditors – legal persons: 3.1 name (required to be indicated);
3.2. registration number (required to be indicated);
3.3. the value added tax number (indicate, if any, granted);
3.4. legal address (required to be indicated);
3.5. consignee name and surname (required to be indicated);
3.6. postal address (required to be indicated);
3.7. e-mail address.
The President of the Bank of Latvia is Rimšēvič.