Fraud registrations at banks and insurers (EVR, IVR, CIS and Incident Register)

A fraud registration with a bank or insurer can have far-reaching consequences. You cannot take out a new insurance policy, your mortgage application is rejected, or an existing account is terminated. Many people only discover later that they are included in one of the registers of the CIS Foundation, such as the External Referral Register (EVR) or the Internal Referral Register (IVR). There are also internal lists such as the Incident Register or the Event Administration.

While these forms of registration might fly under the radar for most, their impact on your financial future is anything but minor. Both IVR and EVR are linked to (suspected) fraud—sometimes even just an attempted or alleged incident can land you on the list. This means that, even if you haven’t been convicted of fraud, your name in these registers can seriously restrict your ability to access financial products and services. The consequences are often felt long before you realize you’ve been registered at all. At Arslan Advocates we assist clients who have been wrongly or too heavily registered. We ensure that their rights are restored, conduct appeals, file complaints with the KiFiD and litigate where necessary. In many cases, we can recover the costs from the financial institution, which means our assistance is effectively free of charge for you. Guidance for Removing an EVR or IVR Registration If you discover you have an IVR or EVR registration and want it removed, our team is here to help. We have experience in successfully removing both IVR and EVR registrations. First, we thoroughly assess your situation and then develop a tailored strategy to support you throughout the removal process. From the initial review of your registration to formal requests, negotiations, and, if necessary, litigation, we guide you every step of the way to maximize your chances of a successful outcome. If you’re facing difficulties due to a fraud registration, don’t hesitate to reach out for a confidential consultation. Together, we’ll determine the best steps to restore your reputation and financial options.

Explaining the different fraud Registers

o really understand the impact of a fraud registration, it's important to know the difference between the Internal Referral Register (IVR) and the External Referral Register (EVR). IVR registration—internal visibility An IVR registration means your details are only accessible within the specific bank or insurer that placed the registration. This information is not shared with other financial institutions outside of that organization. However, when it comes to large banking groups or insurers with several subsidiaries, each subsidiary within that umbrella organization may also have access to this information. The IVR primarily serves as an internal alert, making it harder (but not impossible) to open new accounts or take out products within that group. EVR registration—shared across institutions An EVR registration is a different story altogether. In this case, your personal data is registered in a system that is accessible to a wide range of banks and financial service providers throughout the Netherlands. The EVR is part of a nationwide fraud prevention initiative coordinated by the Dutch Banking Association (NVB) and the Association of Financing Companies in the Netherlands (VFN). If you’re entered into the EVR, not only the registering institution, but also other participating organizations can see your details. This often leads to closed doors at nearly every bank, lender, and insurer, making it almost impossible to get approved for financial products. Visibility period Both IVR and EVR registrations remain visible for up to eight years—considerably longer than many other types of records, such as those held by the BKR. This extended duration significantly increases the impact on your financial options and future. Understanding these differences can help you assess the seriousness of the situation and your options for challenging or removing an unjust registration.