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WHAT IS CREDIT RECORD AMNESTY? HOW TO APPLY?

What is Credit Registry Amnesty?

Credit registry amnesty is a legal regulation that ensures the negative records of individuals—who have incurred negative registry entries with the TBB Risk Center due to financial debts such as credit cards, personal loans, bounced checks, or protested promissory notes—are not taken into account by banks, provided they pay or restructure their debts.

In past registry amnesties (e.g., the 2017 regulation); it was stipulated that if the delayed portion of credit card, bounced check, protested promissory note, and other cash/non-cash credit debts was fully paid or restructured within a certain period, these records might not be taken into account by financial institutions in financial transactions. Such regulations result in imposing limitations on the use of this data by banks, rather than completely deleting the Central Bank or Risk Center records from the system.

Differences Between Risk Center, Bank Internal Record, Legal Proceedings, and Credit Score

To correctly understand the credit registry amnesty process, it is necessary to clarify the differences between these financial terms:

• Risk Center Record or Report: This is the official recording area where data regarding credit and similar financial debts are collected and presented for the joint evaluation of all financial institutions.
• Bank Internal Record: These are internal evaluation records kept by banks specifically for their own customer portfolios and past transactions. The fact that a registry amnesty produces a positive outcome regarding the TBB Risk Center record does not mean that the data in the respective bank's own internal systems is automatically deleted.
• Legal Proceedings Record: This is the status indicating that the debt has been moved to execution or legal proceedings due to the inability to collect. Paying the debt may not make the history of legal proceedings simultaneously invisible across all banking systems.
• Credit Score: This is the mathematical analysis of payment habits and risk status in the financial history. Ignoring a record or moving it to a passive state under the registry amnesty does not cause the credit score to increase instantly or automatically; it improves over time with regular payments.

Current Validity of Previous Regulations

Under the last temporary regulation dated 2023; the condition was set that the delayed portion of credit, credit card, bounced check, and protested promissory note debts with a payment date before October 1, 2022, must be fully paid or restructured by July 1, 2023. No new extension period was foreseen in the legal text after this date. Therefore, the legal periods in 2003, 2017, or 2023 should not be considered as an automatically valid application period in 2026.

What Are the Types of Credit Amnesty?

Conceptualizations such as "General Credit Amnesty", "Tradesmen and SME Credit Amnesty", or "Sectoral Credit Amnesty", which are frequently used in public discourse, are not official classifications in legislation. These terms are editorial headings used to explain which debtor groups legislative proposals and legal regulations target. The scope of a regulation is determined by the type of debt, debtor group, effective date, and application requirements specified in the legislative text, rather than its title.

1. General Credit Amnesty

   General credit amnesty describes regulations that are not limited to a specific sector and target broad masses of debtors. However, this definition does not imply that all types of commercial debts or private claims will be covered.

   The 2026 legislative proposal in the GNAT records is not aimed at a specific sector, but directly at consumer loan and credit card debts. The proposal aims to cover individuals who have consumer loan or credit card debts for which legal execution proceedings have been initiated or a warning letter has been issued.

   ✨ Important Note: The proposal in question is not a final enacted law. Its status appears as "In Commission" in the GNAT records. Therefore, the provisions in the proposal text do not grant a vested right of application at this stage. The effective date and conditions will be finalized once the legislative process is completed.

2. Tradesmen and SME Credit Amnesty

   This is a descriptive term used to express relief for the financial debts of small businesses and individuals engaged in commercial activities. However, the current 2026 GNAT proposal does not define a separate, specialized credit amnesty category or an independent application channel for tradesmen and SMEs.

   Whether business owners fall within the scope of the regulation depends on the nature of the debt rather than the business title. Since the current proposal focuses on personal consumer loans and credit card debts, a direct amnesty outcome cannot be inferred from this proposal regarding commercial business loans, checks, and promissory notes. A clear distinction must be made between whether the debt is personal or commercial in nature.

3. Sectoral Credit Amnesty

   Sectoral credit amnesty refers to special regulations targeting debtors operating only in a specific line of business, such as agriculture, tourism, retail, or manufacturing. Financial downturn in a sector does not automatically mean that a credit amnesty is granted to that sector.

   In the examined 2026 legislative proposal, there is no sectoral restriction or privilege. The focus is entirely on personal debts that have become subject to legal execution proceedings or warning letters.

Which Debts Are Covered by Credit Amnesty?

Credit amnesty does not unconditionally cover all debts in the TBB Risk Center system. The scope varies depending on the effective date of the regulation, the type of debt, and the payment and restructuring terms.

Comparison of Credit Amnesty Regulations by Period

• Difference from Public Debts: Tax debts, Social Security Institution (SGK) premium debts, and administrative fines fall under public debt restructuring; such public amnesties do not result in the erasure of banking credit records.
• Non-Cash Loans: Although non-cash loans such as letters of guarantee were included in previous laws, no separate regulation is foreseen for these debts in the current 2026 proposal.

How to Benefit from the Credit Record Amnesty? Application Process

Since no regulation has been enacted and no application schedule has been announced yet, submitting an official credit record amnesty application to banks is legally not possible at this stage. If the legislative proposal dated February 16, 2026, pending in the TBMM Commission, is enacted into law, application authorities, forms, and application deadlines will be announced by publication in the Official Gazette.

However, you can check your financial records now to learn your current status and be prepared for a potential enactment process.

How to Obtain a Risk Center Report? (e-Devlet)

Real persons (individuals) can inquire about their TBB Risk Center report free of charge via the e-Devlet Gateway:

1. Login: Log in to the e-Devlet system using your TR Identity Number and password, mobile signature, or internet banking.
2. Search Service: Type "Risk Merkezi Raporu Başvurusu" (Risk Center Report Application) in the search bar.
3. Create Application: Click the application button on the relevant service screen. (Your mobile phone number registered in the system must be verified.)
4. View Report: When the report is prepared, a password will be sent to your phone via SMS. You can download your risk report as a PDF by entering this password on the same page.

As for legal entities (companies), since they cannot apply directly via e-Devlet, they can request a status report by submitting a written application to the TBB Risk Center in person, by mail, or via email.

Application Requirements and Points to Consider

The key points to consider in the process following potential enactment are as follows:

• Verification of Records: Which bank the debt in the risk report belongs to and its legal proceeding stage must be clarified.
• Bank Communication: In case of debt settlement or restructuring, a "Debt Clearance Letter" (Borcu Yoktur) or receipt should be obtained from the relevant bank.
• Banking Law Article 73/A: Pursuant to Law No. 5411, even if a credit record amnesty is enacted, banks may retain the freedom to use historical data in their internal risk models. Therefore, the enactment of the amnesty does not guarantee that every bank will immediately grant credit approval.

In summary;

•   Description & Status: Credit registry amnesty ensures that negative risk records resulting from unpaid debts are ignored by banks; the 2026 bill is currently before the TBMM Commission.
•   Scope: If the bill becomes law, it will cover personal loan and credit card debts subject to legal execution or warning letters through principal restructuring.
•   Application & Inquiry: Although there is no finalized application channel in effect yet, citizens can check their current status free of charge via the e-Devlet TBB Risk Center report.

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In summary;

•   Description & Status: Credit registry amnesty ensures that negative risk records resulting from unpaid debts are ignored by banks; the 2026 bill is currently before the TBMM Commission.
•   Scope: If the bill becomes law, it will cover personal loan and credit card debts subject to legal execution or warning letters through principal restructuring.
•   Application & Inquiry: Although there is no finalized application channel in effect yet, citizens can check their current status free of charge via the e-Devlet TBB Risk Center report.

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While sorting out your financial past and focusing on the future, bureaucratic processes can be daunting for entrepreneurs who want to establish their own business and make a strong start in commercial life. There is no need to waste time with complex steps such as company establishment, tax office notifications, e-Transformation processes, and official document tracking.

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