Welcome to the Collateral Registry

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FRED ASIAMAH-KORANTENG (MR)

ACTING REGISTRAR

We appreciate your quest to learn about the Collateral Registry as you navigate our website. The Collateral Registry is one of the innovations in the credit market introduced by the Bank of Ghana to reduce information asymmetry between borrowers and lenders in credit transactions. To this end, the Collateral Registry is equipped with the requisite legal framework and technologies to facilitate the registration of notices of security interests, searches on assets pledged as collateral to ascertain their level of encumbrance and enforcement of collateral upon default by borrowers.

Registered users can log into the Collateral Registry Application Software (CRAS) to patronize the services offered by the Registry. Clients who do not have user accounts can use the search module on the CRAS to gain access to information on assets pledged as collateral.

As the first Secured Transactions Registry on the African continent, the Collateral Registry remains on course to achieve its mission of creating an enabling environment to promote easy access to credit. The Collateral Registry combines professionalism, responsiveness and leadership in delivering an effective and efficient service to its cherished stakeholders.

The establishment of the Collateral Registry at the Bank of Ghana, as mandated under the Borrowers and Lenders Act 2020 (Act 1052) is indeed a welcomed innovation to credit delivery in Ghana.

Our Services

Registration of Security Interests

The Collateral Registry provides a user-friendly online platform for the registration of security interests

Searches

We facilitate searches on registered security interests using our easy-to-use online platform

Realisation of security interest

We facilitate the realisation of assets upon default by a borrower

Post Registration Activities

Our online platform supports a wide range of post-registration activities so as to ensure security interests are up-to-date.

About the Registry
The Bank of Ghana as part of its functions to regulate, supervise and direct the banking and credit system to ensure smooth operation of the financial sector, operationalised the establishment of the Collateral Registry under the statutory mandate of the Borrowers and Lenders Act 2008 (Act 773) on February 1, 2010
Frequently Asked Questions (FAQ’s)

The Collateral Registry is a body established pursuant to Section 18 of the Borrowers and Lenders Act, 2020(Act 1052) to principally register security interests in collateral created by borrowers to secure credit facilities provided by lenders.