bcra-central-deudores

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Query the BCRA (Banco Central de la República Argentina) Central de Deudores API to check the credit status of individuals or companies in Argentina's financial system. Use when the user asks to check someone's debt situation, credit report, financial standing, rejected checks, or credit history using a CUIT/CUIL/CDI number. Also use when the user mentions "central de deudores", "situación crediticia", "deudas BCRA", "cheques rechazados", "historial crediticio", "informe crediticio", or wants to know if a person or company has debts reported in Argentina's financial system.

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Sourceferminrp/agent-skills

Added on2026-02-18

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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.

bash

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

Response structure:

json

{
  "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.

bash

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.

bash

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

Response structure:

json

{
  "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

Code	Commercial Portfolio	Consumer/Housing Portfolio
1	Normal	Normal
2	Special follow-up (seguimiento especial)	Low risk (riesgo bajo)
3	Problematic (con problemas)	Medium risk (riesgo medio)
4	High insolvency risk (alto riesgo de insolvencia)	High risk (riesgo alto)
5	Irrecoverable (irrecuperable)	Irrecoverable (irrecuperable)
6	Irrecoverable by technical disposition	Irrecoverable by technical disposition

Situacion 1 is the best status. Any value >= 2 indicates some level of credit risk. Values >= 5 are severe.

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

When receiving a 404, inform the user that no records were found. This does not necessarily mean the person has no debts — it could mean the CUIT/CUIL/CDI is incorrect.

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.

bcra-central-deudores

NPX Install

Tags

SKILL.md Content

BCRA Central de Deudores

API Overview

Endpoints

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

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

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

Situacion (Credit Classification) Codes

Key Field Notes

Workflow

Error Handling

Presenting Results

OpenAPI Spec