UK Statutory Instrument SI 2015/1945 United Kingdom

The Small and Medium Sized Business (Credit Information) Regulations 2015

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Status
In Force
Penalty ceiling
Regulated

Does it bind you?

Business-side roles with duties under this instrument.

Any Person1

Other Acts binding the same actors

If a role above is yours, these are the other instruments that most often bind it.

Any Person — also bound by 2340 other Acts

What it requires

Regulations creating concrete business duties or carrying penalties, grouped as the instrument is structured. Titles link to the source text — blue means you’re leaving for legislation.gov.uk.

s.004 Requests for information by credit reference agencies Regulated
  • Make written requests for credit information to the correct bank contact and request complete informationAny Person
50 other provisions — procedural and definitional
s.001 Citation and commencement
s.001 Information relating to a loan made in sterling to the... (opens in a new tab)
s.002 Interpretation
s.002 Information relating to a credit card account denominated in sterling... (opens in a new tab)
s.003 Designated banks to provide information to designated credit reference agencies
s.003 Information relating to a current account denominated in sterling and... (opens in a new tab)
s.004 Where any of the information described in the preceding paragraphs... (opens in a new tab)
s.005 Agreement by customers of banks
s.006 Designated credit reference agencies to provide information to finance providers
s.007 Designated credit reference agencies to provide information to the Bank of England
s.008 Right of action for failure to provide information
s.009 Power to designate banks and credit reference agencies and to revoke designations
s.010 Criteria for the designation of a bank
s.011 Consultation before designation of a bank
s.012 Criteria for the designation of a credit reference agency
s.013 Consultation before designation of a credit reference agency
s.014 Record of designated banks and credit reference agencies
s.015 Access to and correction of information for individuals and small firms
s.016 Right of action in relation to inaccurate information
s.017 Extension of the jurisdiction of the Financial Ombudsman Scheme to designated credit reference agencies
s.018 Functions of the FCA
s.019 Monitoring and enforcement
s.020 Guidance and consultation
s.021 Fees and penalties
s.022 Exemption from liability in damages
s.023 Reporting requirements
s.024 Record keeping
s.025 Restrictions on disclosure of information
s.026 Information gathering and investigations under Part 11 of the 2000 Act
s.027 Protected information
s.028 Public censure
s.029 Financial penalties
s.030 Limitations on permission to carry on regulated activities
s.031 Injunctions
s.032 Power of FCA to require restitution
s.033 Restitution orders
s.034 Offence of misleading the FCA
s.035 Restriction on penalties
s.036 Liability of officers of bodies corporate etc
s.037 Proceedings for offence
s.038 Further provisions relating to proceedings for offence
s.039 Requirement to issue warning notice
s.040 Requirement to issue decision notice
s.041 Third party rights
s.042 Service of notices
s.043 Statements of policy
s.044 Application of Part 26 of the 2000 Act
s.045 Referral to Tribunal
s.046 The Tribunal
s.047 Review

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