Credit Reporting Act 2013

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Number 45 of 2013


CREDIT REPORTING ACT 2013


CONTENTS

PART 1

Preliminary and General

Section

1. Short title and commencement

2. Interpretation

3. Regulations and orders

4. Expenses

PART 2

The Central Credit Register

5. Central Credit Register

6. Personal information

7. Credit information

8. Period for which information may be held on Register

9. Application for amendment of information held on Register

10. Notification of decision on application for amendment

11. Duty of credit information provider to provide information for Register

12. Duty to provide information about foreign credit

13. Statement explaining information

14. Duty to access information on Register

15. Power to access information on Register

16. Purposes for which information may be used by credit information provider

17. Access to Register: supplementary

18. Notices of suspected impersonation

19. Data protection

PART 3

Duties of Credit Information Providers

20. Verification of identity of credit information subjects

21. Verification of accuracy of credit information

22. Informing credit information subject of suspected impersonation

23. Ensuring that credit information subjects are aware of rights and duties

24. Informing credit information subjects of duty to provide information

PART 4

Levy and Fees

25. Levy on credit information providers

26. Fees

PART 5

Enforcement

27. Enforcement

28. Enforcement: supplementary

29. Offences

PART 6

Miscellaneous

30. Power of Bank to produce credit scores and anonymised information

31. Accountability of Bank

32. Prohibition on unauthorised disclosure of information

33. Prosecution of offences

34. Amendment of section 33AK of Central Bank Act 1942

35. Amendment of section 5 of Central Bank (Supervision and Enforcement) Act 2013


Acts Referred to

Central Bank (Supervision and Enforcement) Act 2013 (No. 26)

Central Bank Act 1942 (No. 22)

Companies Act 1963 (No. 33)

Data Protection Act 1988 (No. 25)

Data Protection Acts 1988 and 2003

Fiscal Responsibility Act 2012 (No. 39)

Local Government Act 2001 (No. 37)

National Asset Management Agency Act 2009 (No. 34)

Pawnbrokers Act 1964 (No. 31)

Social Welfare Consolidation Act 2005 (No. 26)

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Number 45 of2013


CREDIT REPORTING ACT 2013


An Act to make provision for the establishment, maintenance and operation of a central credit register for the holding of information about credit applications and credit agreements and parties to them; to make provision about the information to be provided for entry on the register; to make provision for access to the information held on the register for the assessment of creditworthiness and other purposes; to impose duties on parties to credit agreements; to amend the Central Bank Act 1942 ; and the Central Bank (Supervision and Enforcement) Act 2013 ; and to make provision for related matters.

[23rd December, 2013]

Be it enacted by the Oireachtas as follows: