Credit institutions may ask bank customers to provide information and to submit documents that prove to be strictly necessary and appropriate to assess their financial capacity. In particular, credit institutions may request the following documents:

• The most recent proof of settlement of the personal income tax (IRS) due;
• A copy of documents proving the income earned by the bank customer;
• A written statement from the bank customer attesting the veracity, completeness and timeliness of the information provided.

If the bank customer does not submit the documents or does not provide the requested information, the credit institution may terminate the pre-arrears action plan (PRAP).