About SISBON
SISBON enables the mutual exchange and processing of personal data about individuals among members who, in accordance with the ZCKR, are users of the system and controllers of personal data collections of their clients. They do not need the written consent of the individual for collecting, processing, and viewing the data. SISBON collects and processes data related to the actual and potential indebtedness and the correctness of fulfilling contractual obligations of individuals. These information, in addition to the data that members and other creditors already have, are merely to assist in determining the creditworthiness of borrowers.
Banka Slovenije ensures the proper and smooth functioning of SISBON and, in that context, primarily the functioning of software and hardware and the physical and electronic protection thereof, as well as the functionality of the system in terms of sectoral regulations (ZCKR and ZPotk-2), and performs other tasks in accordance with the regulations on personal data protection and the provisions of the ZCKR.
Banks, savings banks, and other legal entities – lenders, who provide data to the system in accordance with the ZCKR, are users and controllers of personal data collections of their clients, natural persons in SISBON. They are responsible for the accuracy and timeliness of the data and ensure the correction of incorrect data in terms of the ZCKR and General data protection regulations.
Legal basis
Banka Slovenije administrates the system in accordance with the:
Central Credit Register Act (ZCKR),
Consumer Credit Act (ZPotK-2),
Personal Data Protection Act (ZVOP-2) and the General Data Protection Regulation (Regulation (EU) 2016/679).