S.I. No. 487/2016 - Credit Reporting Act 2013 (Section 17) (Access to Central Credit Register) Regulations 2016.

1. (1) These Regulations may be cited as the Credit Reporting Act 2013 (Section 17) (Access to Central Credit Register) Regulations 2016.

(2) These Regulations come into operation on 31 December 2017.

Interpretation

2. (1) In these Regulations

“Act of 2013” means the

Credit Reporting Act 2013

(No. 45 of 2013);

“Bank” means the Central Bank of Ireland;

“credit information provider” has the meaning assigned to it by section 2(1) of the Act of 2013;

“credit information subject” has the meaning assigned to it by section 2(1) of the Act of 2013;

“Register” means the Central Credit Register.

(2) A word or expression used in these Regulations has the same meaning in these Regulations as it has in the Act of 2013.

Part 1

ACCESS TO INFORMATION ON REGISTER UNDER SECTION 14 OF ACT OF 2013

Applications to access information under section 14 of Act of 2013

3. Applications to access information under section 14 of the Act of 2013 shall be made by electronic means and in accordance with any guidelines in relation to such applications as may be published by the Bank.

Information to which Bank to give access

4. On receipt of a valid application under section 14, the Bank shall, in accordance with any guidelines as may be published by the Bank, be required to give to the credit information provider concerned access to the following information held on the Register and relating to the credit information subject concerned

(

a

) such personal information as is specified in Parts 1, 2 and 3 of Schedule 1 and is applicable;

(

b

) such credit information as is specified in Parts 1 to 6 of Schedule 2 and is applicable, including information relating to the performance of obligations under or relating to any relevant credit agreements and covering the last 24 month period for which there is information available;

(

c

) where the credit information subject concerned has made a credit agreement for the provision of credit with any other credit information subject who has given a guarantee or indemnity in connection with the credit agreement or also has liabilities under the credit agreement, details linking those persons;

(

d

) information produced by the Bank and held on the Register, relating to the following

(i) any previous applications made to access information held on the Register relating to the credit information subject concerned;

(ii) when any information relating to the credit information subject concerned was entered, altered or removed from the Register and by whom;

(iii) summaries and aggregates of personal and credit information relating to the credit information subject concerned, including any other analyses produced by the Bank in accordance with section 5(2)(

d

) of the Act of 2013 and relating to the credit information subject;

(iv) indicators highlighting data or types of data held on the Register, including—

(I) whether any information relating to the credit information subject is held on the Register,

(II) performance indicators, where applicable, such as payments missed (including the maximum number of payments missed), days past due (including the maximum number of days past due), amounts due (including the maximum amount due), charged amounts (including the maximum charged amount), amounts above credit limits (including the maximum amount above credit limits), together with the date upon which any such event occurred,

(III) credit status, where applicable, such as whether an account is or has been in default, whether legal proceedings have been issued, whether there has been a revocation of any facility, a settlement, a surrender, a repossession or a debt written off, together with the date upon which any such event occurred,

(IV) restructure status, where applicable, such as the term, conditions and dates of any restructuring arrangements and including whether any agreement has been varied to allow payments to be reduced, split, missed, refinanced or capitalised, together with the details of any other restructuring arrangement;

(v) technical specifications attributed to any item or category of relevant personal or credit information;

(vi) information relating to the numbering and ordering of any relevant entries and records held on the Register;

(

e

) any applicable credit scores produced by the Bank in relation to the credit information subject, including an indicator and explanation of any credit score range applied by the Bank or information as to why a credit score could not be produced;

(

f

) information relating to any amendments to information held on the Register and made by the Bank under section 9(1)(

b

) of the Act of 2013 and, in accordance with section 18(6) of the Act of 2013, any notice of suspected impersonation of the credit information subject concerned held for the time being on the Register;

(

g

) any relevant statement made by the credit information subject concerned under section 13 of the Act of 2013.

When access to information to be given by Bank

5. (1) Access to the information specified in Regulation 4—

(

a

) in the case of an applicant who is-

(i) a local authority, or

(ii) a licensed moneylender within the meaning of

section 2

of the

Consumer Credit Act 1995

(No. 24 of 1995),

and

(

b

) in the case of an application to access information which relates to a credit information subject who is not a consumer, within the meaning of

section 2

of the

Consumer Credit Act 1995

(No. 24 of 1995),

may be given by the Bank in response to any valid application made after 1 October 2018 or such other date as the Bank may specify.

(2) Access to the information specified in Regulation 4, in all other cases, may be given by the Bank in response to any valid application made after 31 December 2017 or such later date as the Bank may specify.

Manner in which access to information to be given

6. Access to the information specified in Regulation 4 shall be provided electronically and in accordance with such guidelines as may be published by the Bank.

Part 2

ACCESS TO INFORMATION ON REGISTER UNDER SECTION 15(1) OF ACT OF 2013

Applications to access information under section 15(1) of Act of 2013

7. Applications to access information under section 15(1) of the Act of 2013 shall be made by electronic means and in accordance with any guidelines in relation to such applications as may be published by the Bank.

Information to which Bank to give access

8. On receipt of a valid application under section 15(1), the Bank shall, in accordance with any guidelines as may be published by the Bank, be required to give to the credit information provider concerned access to the following information held on the Register and relating to the credit information subject concerned

(

a

) such personal information as is specified in Parts 1, 2 and 3 of Schedule 1 and is applicable;

(

b

) such credit information as is specified in Parts 1 to 6 of Schedule 2 and, is applicable, including information relating to the performance of obligations under or relating to any relevant credit agreements and covering the last 24 month period for which there is information available;

(

c

) where the credit information subject concerned has made a credit agreement for the provision of credit with any other credit information subject who has given a guarantee or indemnity in connection with the credit agreement or also has liabilities under the credit agreement, details linking those persons;

(

d

) information produced by the Bank and held on the Register, relating to the following

(i) any previous applications made to access information held on the Register relating to the credit information subject concerned;

(ii) when any information relating to the credit information subject concerned was entered, altered or removed from the Register and by whom;

(iii) summaries and aggregates of personal and credit information relating to the credit information subject concerned, including any other analyses produced by the Bank in accordance with section 5(2)(

d

) of the Act of 2013 and relating to the credit information subject;

(iv) indicators highlighting data or types of data held on the Register, including—

(I) whether any information relating to the credit information subject concerned is held on the Register,

(II) performance indicators, where applicable, such as payments missed (including the maximum number of payments missed), days past due (including the maximum number of days past due), amounts due (including the maximum amount due), charged amounts (including the maximum charged amount), amounts above credit limits (including the maximum amount above credit limits), together with the date upon which any such event occurred,

(III) credit status, where applicable, such as whether an account is or has been in default, whether legal proceedings have been issued, whether there has been a revocation of any facility, a settlement, a surrender, a repossession or a debt written off, together with the date upon which any such event occurred,

(IV) restructure status, where applicable, such as the term, conditions and dates of any restructuring arrangements and including whether any agreement has been varied to allow payments to be reduced, split, missed, refinanced or capitalised, together with the details of any other restructuring arrangement;

(v) technical specifications attributed to any item or category of relevant personal or credit information;

(vi) information relating to the numbering and ordering of any relevant entries and records held on the Register;

(

e

) any applicable credit scores produced by the Bank in relation to the credit information subject, including an indicator and explanation of any credit score range applied by the Bank or information as to why a credit score could not be produced;

(

f

) information relating to any amendments to information held on the Register and made by the Bank under section 9(1)(

b

) of the Act of 2013 and, in accordance with section 18(6) of the Act of 2013, any notice of suspected impersonation of the credit information subject concerned held for the time being on the Register;

(

g

) any relevant statement made by the credit information subject concerned under section 13 of the Act of 2013.

When access to information to be given by Bank

9. (1) Access to the information specified in Regulation 8—

(

a

) in the case of an applicant who is-

(i) a local authority, or

(ii) a licensed moneylender within the meaning of

section 2

of the

Consumer Credit Act 1995

(No. 24 of 1995),

and

(

b

) in the case of an application to access information which relates to a credit information subject who is not a consumer, within the meaning of

section 2

of the

Consumer Credit Act 1995

(No. 24 of 1995),

may be given by the Bank in response to any valid application made after 1 October 2018 or such other date as the Bank may specify.

(2) Access to the information specified in Regulation 8, in all other cases, may be given by the Bank in response to any valid application made after 31 December 2017 or such later date as the Bank may specify.

Manner in which access to information to be given

10. Access to the information to which Regulation 8 relates shall be provided electronically and in accordance with such guidelines as may be published by the Bank.

Part 3

ACCESS TO INFORMATION ON REGISTER UNDER SECTION 15(2) OF ACT OF 2013

Applications to access information under section 15(2) of Act of 2013

11. Applications to access information under section 15(2) of the Act of 2013 shall be made by electronic means and in accordance with any guidelines in relation to such applications as may be published by the Bank.

Information to which Bank to give access

12. On receipt of a valid application under section 15(2), the Bank shall, in accordance with any guidelines as may be published by the Bank, be required to give to the credit information provider concerned access to the following information held on the Register and relating to the credit information subject concerned

(

a

) such personal information as is specified in Parts 1, 2 and 3 of Schedule 1 and is applicable;

(

b

) such credit information as is specified in Parts 1 to 6 of Schedule 2 and is applicable, including information relating to the performance of obligations under or relating to any relevant credit agreements and covering the last 24 month period for which there is information available;

(

c

) where the credit information subject concerned has made a credit agreement for the provision of credit with any other credit information subject who has given a guarantee or indemnity in connection with the credit agreement or also has liabilities under the credit agreement, details linking those persons;

(

d

) information produced by the Bank and held on the Register, relating to the following

(i) any previous applications made to access information held on the Register relating to the credit information subject concerned;

(ii) when any information relating to the credit information subject concerned was entered, altered or removed from the Register and by whom;

(iii) summaries and aggregates of personal and credit information relating to the credit information subject concerned, including any other analyses produced by the Bank in accordance with section 5(2)(

d

) of the Act of 2013 and relating to the credit information subject;

(iv) indicators highlighting data or types of data held on the Register, including—

(I) whether any information relating to the credit information subject concerned is held on the Register,

(II) performance indicators, where applicable, such as payments missed (including the maximum number of payments missed), days past due (including the maximum number of days past due), amounts due (including the maximum amount due), charged amounts (including the maximum charged amount), amounts above credit limits (including the maximum amount above credit limits), together with the date upon which any such event occurred,

(III) credit status, where applicable, such as whether an account is or has been in default, whether legal proceedings have been issued, whether there has been a revocation of any facility, a settlement, a surrender, a repossession or a debt written off, together with the date upon which any such event occurred,

(IV) restructure status, where applicable, such as the term, conditions and dates of any restructuring arrangements and including whether any agreement has been varied to allow payments to be reduced, split, missed, refinanced or capitalised, together with the details of any other restructuring arrangement;

(v) technical specifications attributed to any item or category of relevant personal or credit information;

(vi) information relating to the numbering and ordering of relevant entries and records held on the Register;

(

e

) any applicable credit scores produced by the Bank in relation to the credit information subject concerned, including an indicator and explanation of any credit score range applied by the Bank or information as to why a credit score could not be produced;

(

f

) information relating to any amendments to information held on the Register and made by the Bank under section 9(1)(

b

) of the Act of 2013 and, in accordance with section 18(6) of the Act of 2013, any notice of suspected impersonation of the credit information subject concerned held for the time being on the Register;

(

g

) any relevant statement made by the credit information subject concerned under section 13 of the Act of 2013.

When access to information to be given

13. (1) Access to the information specified in Regulation 12—

(

a

) in the case of an applicant who is

(i) a local authority, or

(ii) a licensed moneylender within the meaning of

section 2

of the

Consumer Credit Act 1995

(No. 24 of 1995),

and

(

b

) in the case of an application to access information which relates to a credit information subject who is not a consumer, within the meaning of

section 2

of the

Consumer Credit Act 1995

(No. 24 of 1995),

may be given by the Bank in response to any valid application made after 1 October 2018 or such other date as the Bank may specify.

(2) Access to the information specified in Regulation 12, in all other cases, may be given by the Bank in response to any valid application made after 31 December 2017 or such later date as the Bank may specify.

Manner in which access to information to be given

14. Access to the information specified in Regulation 12 shall be provided electronically and in accordance with such guidelines as may be published by the Bank.

Part 4

ACCESS TO INFORMATION ON REGISTER UNDER SECTION 15(3) OF ACT OF 2013

Applications to access information under section 15(3) of Act of 2013

15. Applications to access information under section 15(3) of the Act of 2013 shall be made by electronic means and in accordance with any guidelines in relation to such applications as may be published by the Bank.

Information to which Bank to give access

16. On receipt of a valid application under section 15(3), the Bank shall, in accordance with any guidelines as may be published by the Bank, be required to give to the applicant access to the following information held on the Register in so far as it relates to credit agreements made by the applicant

(

a

) such personal information as is specified in Parts 1, 2 and 3 of Schedule 1 and is applicable;

(

b

) such credit information as is specified in Parts 1 to 6 of Schedule 2 and is applicable, including information relating to the performance of obligations under or relating to any relevant credit agreements and covering the last 24 month period for which there is information available;

(

c

) where any such credit agreement was made with a credit information subject who has made a separate credit agreement for the provision of credit with any other credit information subject and that other credit information subject has given a guarantee or indemnity in connection with that credit agreement or also has liabilities under that credit agreement, details linking those persons;

(

d

) information produced by the Bank and held on the Register, relating to the following

(i) any previous applications made to access information held on the Register relating to the applicant;

(ii) when any information relating to the applicant was entered, altered or removed from the Register and by whom;

(iii) summaries and aggregates of personal and credit information relating to the applicant, including any other analyses produced by the Bank in accordance with section 5(2)(

d

) of the Act of 2013 and relating to the applicant;

(iv) indicators highlighting data or types of data held on the Register, including—

(I) whether any information relating to the applicant is held on the Register,

(II) performance indicators, where applicable, such as payments missed (including the maximum number of payments missed), days past due (including the maximum number of days past due), amounts due (including the maximum amount due), charged amounts (including the maximum charged amount), amounts above credit limits (including the maximum amount above credit limits), together with the date upon which any such event occurred,

(III) credit status, where applicable, such as whether an account is or has been in default, whether legal proceedings have been issued, whether there has been a revocation of any facility, a settlement, a surrender, a repossession or a debt written off, together with the date upon which any such event occurred,

(IV) restructure status, where applicable, such as the term, conditions and dates of any restructuring arrangements and including whether any agreement has been varied to allow payments to be reduced, split, missed, refinanced or capitalised, together with the details of any other restructuring arrangement;

(v) technical specifications attributed to any item or category of relevant personal or credit information;

(vi) information relating to the numbering and ordering of relevant entries and records held on the Register.

When access to information to be given

17. Access to the information specified in Regulation 16 may be given by the Bank in response to any valid application made after 31 December 2017 or such later date as the Bank may specify.

Manner in which access to information to be given

18. Access to the information specified in Regulation 16 shall be provided electronically and in accordance with such guidelines as may be published by the Bank.

Part 5

ACCESS TO INFORMATION ON REGISTER UNDER SECTION 15(5) OF ACT OF 2013

Applications to access information under section 15(5) of Act of 2013

19. Applications to access information under section 15(5) of the Act of 2013 shall be made by electronic means or by post and in accordance with any guidelines in relation to such applications as may be published by the Bank.

Information to which Bank to give access

20. On receipt of a valid application under section 15(5), the Bank shall, in accordance with any guidelines as may be published by the Bank, be required to give to the applicant access to the following information held on the Register and relating to the applicant

(

a

) such personal information as is specified in Parts 1, 2 and 3 of Schedule 1 and is applicable;

(

b

) such credit information as is specified in Parts 1 to 6 of Schedule 2 and is applicable, including information relating to the performance of obligations under or relating to any relevant credit agreements and covering each of the 60 months prior to the month in which the application to access the Register is made;

(

c

) where the applicant has made a credit agreement for the provision of credit with any other credit information subject who has given a guarantee or indemnity in connection with the credit agreement or also has liabilities under the credit agreement, details linking those persons;

(

d

) information produced by the Bank and held on the Register, including information relating to the following

(i) any previous applications made to access information relating to the applicant held on the Register;

(ii) when any information relating to the applicant was entered, altered or removed from the Register and by whom;

(iii) summaries and aggregates of personal and credit information relating to the applicant, including any other analyses produced by the Bank in accordance with section 5(2)(

d

) of the Act of 2013 relating to the applicant;

(iv) indicators highlighting data or types of data held on the Register, including—

(I) whether any information relating to the applicant is held on the Register,

(II) performance indicators, where applicable, such as payments missed (including the maximum number of payments missed), days past due (including the maximum number of days past due), amounts due (including the maximum amount due), charged amounts (including the maximum charged amount), amounts above credit limits (including the maximum amount above credit limits), together with the date upon which any such event occurred,

(III) credit status, where applicable, such as whether an account is or has been in default, whether legal proceedings have been issued, whether there has been a revocation of any facility, a settlement, a surrender, a repossession or a debt written off, together with the date upon which any such event occurred,

(IV) restructure status, where applicable, such as the term, conditions and dates of any restructuring arrangements and including whether any agreement has been varied to allow payments to be reduced, split, missed, refinanced or capitalised, together with the details of any other restructuring arrangement;

(v) technical specifications attributed to any item or category of relevant personal or credit information;

(vi) information relating to the numbering and ordering of any relevant entries and records held on the Register;

(

e

) any available credit scores produced by the Bank in relation to the applicant, including an indicator and explanation of any credit score range applied by the Bank or information as to why a credit score could not be produced;

(

f

) information relating to any amendments to information held on the Register and made by the Bank under section 9(1)(

b

) of the Act of 2013 and, in accordance with section 18(6) of the Act of 2013, any notice of suspected impersonation of the applicant held for the time being on the Register;

(

g

) any relevant statement given by the applicant to the Bank under section 13 of the Act of 2013;

(

h

) a record of such information as the applicant would be entitled to if the applicant had given notice to the Bank pursuant to section 17(6) of the Act of 2013.

When access to information to be given

21. Access to the information specified in Regulation 20 may be given by the Bank in response to any valid application made after 31 December 2017 or such later date as the Bank may specify.

Manner in which access to information to be given

22. Access to the information specified in Regulation 20 shall be provided electronically or by post and in accordance with such guidelines as may be published by the Bank.

Part 6

ACCESS TO INFORMATION ON REGISTER UNDER SECTION 15(6) OF ACT OF 2013

Applications to access information under section 15(6) of Act of 2013

23. Applications to access information under section 15(6) of the Act of 2013 shall be made by electronic means or by post and in accordance with any guidelines in relation to such applications as may be published by the Bank.

Information to which Bank to give access

24. On receipt of a valid application under section 15(6), the Bank shall, in accordance with any guidelines as may be published by the Bank, be required to give to the applicant access to the following information held on the Register and relating to the credit information subject concerned

(

a

) such personal information as is specified in Parts 1, 2 and 3 of Schedule 1 and is applicable;

(

b

) such credit information as is specified in Parts 1 to 6 of Schedule 2 and is applicable, including information relating to the performance of obligations under or relating to any relevant credit agreements and covering each of the 60 months prior to the month in which the application to access the Register is made;

(

c

) where the credit information subject concerned has made a credit agreement for the provision of credit with any other credit information subject who has given a guarantee or indemnity in connection with the credit agreement or also has liabilities under the credit agreement, details linking those persons;

(

d

) information produced by the Bank and held on the Register, relating to the following

(i) any previous applications made to access information held on the Register relating to the credit information subject concerned;

(ii) when any information relating to the credit information subject concerned was entered, altered or removed from the Register and by whom;

(iii) summaries and aggregates of personal and credit information relating to the credit information subject concerned, including any other analyses produced by the Bank in accordance with section 5(2)(

d

) of the Act of 2013 and relating to the credit information concerned;

(iv) indicators highlighting data or types of data held on the Register, including—

(I) whether any information relating to the credit information subject concerned is held on the Register,

(II) performance indicators, where applicable, such as payments missed (including the maximum number of payments missed), days past due (including the maximum number of days past due), amounts due (including the maximum amount due), charged amounts (including the maximum charged amount), amounts above credit limits (including the maximum amount above credit limits), together with the date upon which any such event occurred,

(III) credit status, where applicable, such as whether an account is or has been in default, whether legal proceedings have been issued, whether there has been a revocation of any facility, a settlement, a surrender, a repossession or a debt written off, together with the date upon which any such event occurred,

(IV) restructure status, where applicable, such as the term, conditions and dates of any restructuring arrangements and including whether any agreement has been varied to allow payments to be reduced, split, missed, refinanced or capitalised, together with the details of any other restructuring arrangement;

(v) technical specifications attributed to any item or category of relevant personal or credit information;

(vi) information relating to the numbering and ordering of any relevant entries and records held on the Register,

(

e

) any applicable credit scores produced by the Bank in relation to the credit information subject concerned, including an indicator and explanation of any credit score range applied by the Bank or information as to why a credit score could not be produced;

(

f

) information relating to any amendments to information held on the Register and made by the Bank under section 9(1)(

b

) of the Act of 2013 and, in accordance with section 18(6) of the Act of 2013, any notice of suspected impersonation of the credit information subject concerned held for the time being on the Register;

(

g

) any relevant statement made by the credit information subject under section 13 of the Act of 2013;

(

h

) a record of such information as the credit information subject to whom the application relates would be entitled to, if the credit information subject had given notice to the Bank, pursuant to section 17(6) of the Act of 2013, requiring such a record.

When access to information to be given

25. Access to the information specified in Regulation 24 may be given by the Bank in response to any valid application made after 31 December 2017 or such later date as the Bank may specify.

Manner in which access to information to be given

26. Access to the information specified in Regulation 24 shall be provided electronically or by post and in accordance with such guidelines as may be published by the Bank.

Schedule 1

Regulations 4(a), 8(a), 12(a), 16(a), 20(a), 24(a)

Personal Information to be Provided, as Applicable

Part 1

Personal information in respect of individuals

Forename

Surname

Gender

Date of Birth

Address

Postal Code

Eircode

Personal Public Service Number

Other Tax Reference Numbers

Telephone Number

Sector of Economic Activity Employment: Employment Status

Employment: Occupation Category

Institutional Sector — ESA Flag

Subject Status — Deceased Flag

Part 2

Personal information in respect of individuals carrying on activities otherwise than as an employee (in addition to the information above)

Business or Trade Name

Business or Trade Address

Postal Code

Eircode

Companies Registration Office (CRO)

Registration Number (or equivalent)

Tax Reference Number

Business Trade Telephone Number

Part 3

Personal information in respect of credit information subjects who are not individuals

Legal Name of Entity

Trading or Business Name

Nature of the Entity (Entity Type)

Sector of Economic Activity

Enterprise Size — MSML Sectoral Flag

Institutional Sector — ESA Flag

Address

Postal Code

Eircode

Companies Registration Office (CRO)

Registration Number (or equivalent)

Tax Reference Number

Telephone Number

Legal Entity Identifier (LEI)

Schedule 2

Regulations 4(b), 8(b), 12(b), 16(b), 20(b), 24(b)

Credit Information to be Provided, as Applicable

Part 1

Credit information in respect of all applications and agreements

Provider Credit Information Subject (CIS) No.

Address Status: Not Contactable (CIS in arrears)

Consumer Flag

Part 2

Credit Information in respect of Groups of Individuals (Partnerships, Clubs, Others)

Provider CIS No. (Parent — Partnership, Club, Other)

Role of the Parent (Partnership, Club, Other)

Provider CIS No. (Child — Partner, Trustee, Other)

Part 3

Credit Information in respect of Other Credit Performance events

Credit Event Code

Credit Event Detail

Credit Event Date

Part 4

Credit Information for Instalment Contracts

Role of CIS

Provider Contract No.

Product Type

Contract Phase

Credit Status

Currency

Original Currency

First Date of Drawdown (Start Date)

Contract Request Date

Maturity Date

Contract End Actual Date

Payment Made Date

Restructure Event

Reorganised Credit Code

Interest Rate Type

Interest Rate Financed Amount

Total Number of Planned Payments

Payment Frequency

Payment Method

Repayment Type

Purpose Type Exposure Class

Monthly Payment Due

Payment Made

First Payment Date

Next Payment Date

Next Payment Amount

Outstanding Payments Number

Outstanding Balance

Number of Payments Past Due

Amount Past Due

Days Past Due

Provider Guarantor CIS No.

Guarantee Start Date

Guarantee End Date

Collateral or Security Type

Personal Recourse Type

Personal Recourse Value

Part 5

Credit Information for Non-Instalment Contracts

Role of CIS

Provider Contract No.

Product Type

Contract Phase

Credit Status

Currency

Original Currency

First Date of Drawdown (Start Date)

Contract Request Date

Maturity Date

Contract End Actual Date

Payment Made Date

Restructure Event

Reorganised Credit Code

Interest Rate Type

Interest Rate Credit Limit

Outstanding Balance Purpose Type

Exposure Class

Provider Guarantor CIS No.

Guarantee Start Date

Guarantee End Date

Collateral or Security Type

Personal Recourse Type

Personal Recourse Value

Part 6

Credit Information for Credit Cards

Role of CIS

Provider Contract No.

Product Type

Contract PhaseCredit Status

Currency

Original Currency

First Date of Drawdown (Start Date)

Contract Request Date

Maturity Date

Contract End Actual Date

Payment Made Date

Restructure Event

Reorganised Credit Code

Interest Rate Type

Interest Rate Credit Limit

Payment Frequency

Payment Method

Purpose TypePayment Made

Next Payment Date

Next Payment Amount

Outstanding Balance

Number of Payments Past Due

Amount Past Due

Days Past Due

Charged Amount

Last Charge Date

Min. Payment Indicator

Min. Payment Percentage

Provider Guarantor CIS No.

Guarantee Start Date

Guarantee End Date

Collateral or Security Type

Personal Recourse Type

Personal Recourse Value

The Minister for Finance consents to the making of these Regulations.

GIVEN under my Official Seal,

16 September 2016.

MICHAEL NOONAN,

Minister for Finance.

Signed for and on behalf of the CENTRAL BANK OF IRELAND,

20 September 2016.

PHILIP LANE,

Governor of the Central Bank of Ireland.

EXPLANATORY NOTE

(This note is not part of the Instrument and does not purport to be a legal interpretation.)

Regulations made under

section 17

of the

Credit Reporting Act 2013

prescribe the information to be provided in response to an application to access the Central Credit Register and associated matters such as when and the manner in which such information is to be provided.

Notice of the making of this Statutory Instrument was published in

“Iris Oifigiúil” of

23

rd September

, 2016.

In exercise of the powers conferred on it by

section 17

of the

Credit Reporting Act 2013

(No. 45 of 2013), the Central Bank of Ireland, following consultation with the Data Protection Commissioner and with the consent of the Minister for Finance, hereby makes the following regulations

Citation and commencement