Requests for information by credit reference agencies
- Make written requests for credit information to the correct bank contact and request complete information
UK Statutory Instrument
2015
United Kingdom
The Small and Medium Sized Business (Credit Information) Regulations 2015
At a glance
What's here
1 compliance obligation
What this Act requires
Sections that create concrete duties on businesses or carry penalties. Procedural and definitional sections are folded into the “Browse other sections” expander at the bottom of each group. Click any section title to read the source text on legislation.gov.uk.
Browse 50 other sections — procedural / definitional / commencement
Citation and commencement
Information relating to a loan made in sterling to the...
Interpretation
Information relating to a credit card account denominated in sterling...
Designated banks to provide information to designated credit reference agencies
Information relating to a current account denominated in sterling and...
Where any of the information described in the preceding paragraphs...
Agreement by customers of banks
Designated credit reference agencies to provide information to finance providers
Designated credit reference agencies to provide information to the Bank of England
Right of action for failure to provide information
Power to designate banks and credit reference agencies and to revoke designations
Criteria for the designation of a bank
Consultation before designation of a bank
Criteria for the designation of a credit reference agency
Consultation before designation of a credit reference agency
Record of designated banks and credit reference agencies
Access to and correction of information for individuals and small firms
Right of action in relation to inaccurate information
Extension of the jurisdiction of the Financial Ombudsman Scheme to designated credit reference agencies
Functions of the FCA
Monitoring and enforcement
Guidance and consultation
Fees and penalties
Exemption from liability in damages
Reporting requirements
Record keeping
Restrictions on disclosure of information
Information gathering and investigations under Part 11 of the 2000 Act
Protected information
Public censure
Financial penalties
Limitations on permission to carry on regulated activities
Injunctions
Power of FCA to require restitution
Restitution orders
Offence of misleading the FCA
Restriction on penalties
Liability of officers of bodies corporate etc
Proceedings for offence
Further provisions relating to proceedings for offence
Requirement to issue warning notice
Requirement to issue decision notice
Third party rights
Service of notices
Statements of policy
Application of Part 26 of the 2000 Act
Referral to Tribunal
The Tribunal
Review
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