Clause 21

in subsection (1)(a), after “section 74”, insert “, a business report under section 74A”;

in subsection (1)(b), delete “or” at the end;

in subsection (1)(c), replace the full‑stop at the end with “; or”;

in subsection (1), after paragraph (c), insert —“(d)discharging the functions of the designated credit bureau under section 57.”;

in subsection (2), replace “The designated credit bureau and any of its officers or employees must not disclose (whether in the form of a credit report or loan information report or otherwise)” with “Subject to section 77(3A), the designated credit bureau and any of its officers or employees must not disclose (whether in the form of a credit report, business report or loan information report or otherwise)”;

in subsection (2)(a), after “section 74”, insert “or 74A”; and

after subsection (2), insert —“(2A) Nothing in subsections (1) and (2) prevents the designated credit bureau that is a licensed credit bureau under the Credit Bureau Act 2016 from using or disclosing any borrower information that is also customer information within the meaning given by that Act, if the use or disclosure of such information is required or permitted by or under that Act.”.