BCRA Central de Deudores

Query Argentina's Central Bank debtor registry to obtain credit reports by CUIT/CUIL/CDI.

API Overview

• Base URL: https://api.bcra.gob.ar
• Auth: None required (public API)
• Format: JSON responses
• Input: CUIT/CUIL/CDI as integer (no hyphens), e.g. 20123456789
• Optional web interface: https://compara.ar/deudores/:cuit (replace :cuit with the 11-digit CUIT/CUIL/CDI)

Endpoints

1. Current Debts — GET /centraldedeudores/v1.0/Deudas/{Identificacion}

Returns the latest reported debt situation across all financial entities.

curl -s "https://api.bcra.gob.ar/centraldedeudores/v1.0/Deudas/20123456789"

Response structure:

{
  "status": 200,
  "results": {
    "identificacion": 20123456789,
    "denominacion": "NOMBRE DE LA PERSONA",
    "periodos": [
      {
        "periodo": "2024-12",
        "entidades": [
          {
            "entidad": "BANCO DE LA NACION ARGENTINA",
            "situacion": 1,
            "fechaSit1": "2020-03-15",
            "monto": 150.0,
            "diasAtrasoPago": 0,
            "refinanciaciones": false,
            "recategorizacionOblig": false,
            "situacionJuridica": false,
            "irrecDisposicionTecnica": false,
            "enRevision": false,
            "procesoJud": false
          }
        ]
      }
    ]
  }
}

2. Historical Debts — GET /centraldedeudores/v1.0/Deudas/Historicas/{Identificacion}

Returns debt history across multiple periods. Useful for tracking how a debtor's situation evolved over time.

curl -s "https://api.bcra.gob.ar/centraldedeudores/v1.0/Deudas/Historicas/20123456789"

Response structure: Same as current debts but with multiple periods. Historical entries have simplified entity data (no fechaSit1, diasAtrasoPago, or observation flags).

3. Rejected Checks — GET /centraldedeudores/v1.0/Deudas/ChequesRechazados/{Identificacion}

Returns rejected checks reported for the debtor, grouped by rejection cause and entity.

curl -s "https://api.bcra.gob.ar/centraldedeudores/v1.0/Deudas/ChequesRechazados/20123456789"

Response structure:

{
  "status": 200,
  "results": {
    "identificacion": 20123456789,
    "denominacion": "NOMBRE DE LA PERSONA",
    "causales": [
      {
        "causal": "SIN FONDOS SUFICIENTES",
        "entidades": [
          {
            "entidad": 44,
            "detalle": [
              {
                "nroCheque": 12345678,
                "fechaRechazo": "2024-05-10",
                "monto": 50000.0,
                "fechaPago": null,
                "fechaPagoMulta": null,
                "estadoMulta": null,
                "ctaPersonal": true,
                "denomJuridica": null,
                "enRevision": false,
                "procesoJud": false
              }
            ]
          }
        ]
      }
    ]
  }
}

Situacion (Credit Classification) Codes

Key Field Notes

• monto: Reported in thousands of ARS (miles de pesos)
• periodo: Format YYYY-MM (the last reported period)
• fechaSit1: Date when the debtor was first classified as Situacion 1 at that entity
• diasAtrasoPago: Days past due (0 means current)
• refinanciaciones: true if debt has been refinanced
• recategorizacionOblig: true if mandatory recategorization applied
• situacionJuridica: true if under legal proceedings (concordatos, concurso preventivo, quiebra)
• irrecDisposicionTecnica: true if irrecoverable by technical disposition
• enRevision: true if the record is under review
• procesoJud: true if under judicial process

Workflow

• Validate input: Ensure the CUIT/CUIL/CDI is a valid number (11 digits, no hyphens)
• Fetch current debts first — this is usually what the user wants
• Fetch historical debts if the user asks about evolution or past credit behavior
• Fetch rejected checks if relevant or requested
• If user prefers a UI, share https://compara.ar/deudores/:cuit as a quick visual option
• Present results with clear interpretation of the situacion codes and amounts

Error Handling

• 400: Invalid identification number format
• 404: No records found for the given CUIT/CUIL/CDI
• 500: BCRA server error — retry after a moment

Presenting Results

When presenting results to the user:

• Always show the person/company name (denominacion)
• Group debts by entity and highlight any situacion >= 2 as a warning
• Convert monto context: remind the user amounts are in thousands of ARS
• Flag any true values in observation fields (refinanciaciones, situacionJuridica, procesoJud, etc.)
• For historical data, show the trend (improving/worsening situation over time)
• For rejected checks, highlight unpaid checks (where fechaPago is null)

OpenAPI Spec

For the complete API schema, see references/openapi-spec.json.