CREDIT REPORTING AGENCIES ACT 2010

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1 PART I PRELIMINARY-1. Short title and commencement

2 PART I PRELIMINARY-2. Interpretation

3 PART II APPOINTMENT, FUNCTIONS AND POWERS OF REGISTRAR-3. Appointment of Registrar

4 PART II APPOINTMENT, FUNCTIONS AND POWERS OF REGISTRAR-4. Functions of Registrar

5 PART II APPOINTMENT, FUNCTIONS AND POWERS OF REGISTRAR-5. Powers of Registrar

6 PART II APPOINTMENT, FUNCTIONS AND POWERS OF REGISTRAR-6. Appointment of Deputy Registrar and Assistant Registrar

7 PART II APPOINTMENT, FUNCTIONS AND POWERS OF REGISTRAR-7. Appointment of officers

8 PART II APPOINTMENT, FUNCTIONS AND POWERS OF REGISTRAR-8. Delegation of Registrar's functions and powers

9 PART II APPOINTMENT, FUNCTIONS AND POWERS OF REGISTRAR-9. Register of Credit Reporting Agencies

10 PART II APPOINTMENT, FUNCTIONS AND POWERS OF REGISTRAR-10. Restriction on enquiring specifically into affairs of particular customer

11 PART III REGISTRATION OF CREDIT REPORTING AGENCIESREGISTRATION OF CREDIT REPORTING AGENCIES-11. Prohibition to carry on credit reporting business unless registered

12 PART III REGISTRATION OF CREDIT REPORTING AGENCIESREGISTRATION OF CREDIT REPORTING AGENCIES-12. Restriction to carry on business other than credit reporting business

13 PART III REGISTRATION OF CREDIT REPORTING AGENCIESREGISTRATION OF CREDIT REPORTING AGENCIES-13. Application for registration

14 PART III REGISTRATION OF CREDIT REPORTING AGENCIESREGISTRATION OF CREDIT REPORTING AGENCIES-14. Certificate of registration

15 PART III REGISTRATION OF CREDIT REPORTING AGENCIESREGISTRATION OF CREDIT REPORTING AGENCIES-15. Renewal of certificate of registration

16 PART III REGISTRATION OF CREDIT REPORTING AGENCIESREGISTRATION OF CREDIT REPORTING AGENCIES-16. Revocation of registration

17 PART III REGISTRATION OF CREDIT REPORTING AGENCIESREGISTRATION OF CREDIT REPORTING AGENCIES-17. Surrender of certificate of registration

18 PART III REGISTRATION OF CREDIT REPORTING AGENCIESREGISTRATION OF CREDIT REPORTING AGENCIES-18. Appeal against decision of Registrar

19 PART III REGISTRATION OF CREDIT REPORTING AGENCIESREGISTRATION OF CREDIT REPORTING AGENCIES-19. Handling of credit information when registration of credit reporting agency is revoked, etc

20 PART IV MANAGEMENT OF CREDIT REPORTING AGENCIES-20. Minimum paid-up capital

21 PART IV MANAGEMENT OF CREDIT REPORTING AGENCIES-21. Appointment of chief executive, etc

22 PART V CONDUCT OF BUSINESS OF CREDIT REPORTING AGENCIES-22. Collection of credit information

23 PART V CONDUCT OF BUSINESS OF CREDIT REPORTING AGENCIES-23. Notice to customer on processing of credit information

24 PART V CONDUCT OF BUSINESS OF CREDIT REPORTING AGENCIES-24. Disclosure of credit information

25 PART V CONDUCT OF BUSINESS OF CREDIT REPORTING AGENCIES-25. Prohibited disclosure in credit report

26 PART V CONDUCT OF BUSINESS OF CREDIT REPORTING AGENCIES-26. Storage and security of credit information

27 PART V CONDUCT OF BUSINESS OF CREDIT REPORTING AGENCIES-27. Obligation of subscribers, etc

28 PART V CONDUCT OF BUSINESS OF CREDIT REPORTING AGENCIES-28. Unfavourable credit action

29 PART V CONDUCT OF BUSINESS OF CREDIT REPORTING AGENCIES-29. Accuracy of credit information

30 PART V CONDUCT OF BUSINESS OF CREDIT REPORTING AGENCIES-30. Right of access to credit information or credit report

31 PART V CONDUCT OF BUSINESS OF CREDIT REPORTING AGENCIES-31. Right to correct credit information or credit report

32 PART VI INSPECTION, COMPLAINT AND INVESTIGATION-32. Inspection of data system

33 PART VI INSPECTION, COMPLAINT AND INVESTIGATION-33. Relevant credit reporting agency to be informed of result of inspection

34 PART VI INSPECTION, COMPLAINT AND INVESTIGATION-34. Reports by Registrar

35 PART VI INSPECTION, COMPLAINT AND INVESTIGATION-35. Complaint

36 PART VI INSPECTION, COMPLAINT AND INVESTIGATION-36. Investigation by Registrar

37 PART VI INSPECTION, COMPLAINT AND INVESTIGATION-37. Restriction on investigation initiated by complaint

38 PART VI INSPECTION, COMPLAINT AND INVESTIGATION-38. Registrar may carry out or continue investigation initiated by complaint notwithstanding withdrawal of complaint

39 PART VI INSPECTION, COMPLAINT AND INVESTIGATION-39. Enforcement notice

40 PART VI INSPECTION, COMPLAINT AND INVESTIGATION-40. Variation or cancellation of enforcement notice

41 PART VII ENFORCEMENT-41. Authorized officers

42 PART VII ENFORCEMENT-42. Authority card

43 PART VII ENFORCEMENT-43. Power of investigation

44 PART VII ENFORCEMENT-44. Search and seizure with warrant

45 PART VII ENFORCEMENT-45. Search and seizure without warrant

46 PART VII ENFORCEMENT-46. Access to computerized data

47 PART VII ENFORCEMENT-47. Warrant admissible notwithstanding defects

48 PART VII ENFORCEMENT-48. List of computer, book, account, etc , seized

49 PART VII ENFORCEMENT-49. Release of computer, book, account, etc , seized

50 PART VII ENFORCEMENT-50. No cost or damages arising from seizure to be recoverable

51 PART VII ENFORCEMENT-51. Obstruction to search

52 PART VII ENFORCEMENT-52. Power to require production of computer, book, account, etc

53 PART VII ENFORCEMENT-53. Power to require attendance of persons acquainted with case

54 PART VII ENFORCEMENT-54. Examination of persons acquainted with case

55 PART VII ENFORCEMENT-55. Admission of statements in evidence

56 PART VII ENFORCEMENT-56. Forfeiture of computer, book, account, etc , seized

57 PART VII ENFORCEMENT-57. Joinder of offences

58 PART VII ENFORCEMENT-58. Power of arrest

59 PART VIII MISCELLANEOUS-59. Appeal to Minister

60 PART VIII MISCELLANEOUS-60. Exemption

61 PART VIII MISCELLANEOUS-61. Transfer of credit information to places outside Malaysia.

62 PART VIII MISCELLANEOUS-62. Unlawful collecting, etc , of credit information

63 PART VIII MISCELLANEOUS-63. Abetment and attempt punishable as offences

64 PART VIII MISCELLANEOUS-64. Compounding of offences

65 PART VIII MISCELLANEOUS-65. Offences by body corporate

66 PART VIII MISCELLANEOUS-66. Prosecution

67 PART VIII MISCELLANEOUS-67. Jurisdiction to try offences

68 PART VIII MISCELLANEOUS-68. Service of notice or other documents

69 PART VIII MISCELLANEOUS-69. Protection against suit and legal proceedings

70 PART VIII MISCELLANEOUS-70. Protection of informers

71 PART VIII MISCELLANEOUS-71. Obligation of secrecy

72 PART VIII MISCELLANEOUS-72. Power of Minister to make regulations

73 PART VIII MISCELLANEOUS-73. Prevention of anomalies

74 PART VIII MISCELLANEOUS-74. Power of Minister to amend First Schedule and Second Schedule

75 PART VIII MISCELLANEOUS-75. Power to issue Summary of Rights, codes of practice, etc

76 PART VIII MISCELLANEOUS-76. Personal Data Protection Act 2009 shall not apply

77 PART IX SAVINGS AND TRANSITIONAL PROVISIONS-77. Carrying on credit reporting business before the commencement of this Act

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