Our Mandate

Pursuant to Bank of Ghana’s function to regulate, supervise and direct the banking and credit system and to ensure the smooth operation of the financial sector, the Bank under the statutory mandate of the Borrowers and Lenders Act 2008 (Act 773) now Borrowers and Lenders Act 2020 (Act 1052) established the Collateral Registry to provide the legal framework for credit, improve standards of disclosure of information between borrowers and lenders, prohibit certain credit practices, promote a consistent enforcement framework related to credit and provide for credit related matters.


To play a key role in creating an enabling environment to ensure easy access to credit

Core Functions:

  • Conducting searches on registered security interests.
  • Facilitate the realization or foreclosure of collaterals upon default by a borrower.
  • Effect discharges on registered collaterals upon application by the lender.
  • Registration of security interests.

Other Functions:

  • Educating and sensitising stakeholders on the Secured Transactions Regime in Ghana.
  • Training users on the operations of the Registry and use of the Collateral Registry Application Software (CRAS)
  • Conduct research into the secured credit market in Ghana.