16. Disclosure of credit report to data subject or with data subject’s written consent

Terms defined in s 2

• credit report

  credit report

  Defined · s 2

  “credit report” means a communication, whether in written, oral or other form —(a)prepared using customer information provided by at least one bank or merchant bank that is a member of a credit bureau, to assess the creditworthiness of a person, including —(i)information about the person’s eligibility to be provided with credit;(ii)information about the person’s history in relation to credit;(iii)information about the person’s capacity to repay credit provided to the person; or(iv)any other information relating to the person’s creditworthiness; or(b)prepared by a licensed credit bureau for any other purpose that may be prescribed;

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• customer information

  customer information

  Defined · s 2

  “customer information”, in relation to a member of a credit bureau, means —(a)any information relating to, or any particulars of —(i)an account of a customer of the member, whether the account is in respect of a loan, investment or any other type of transaction, but excludes any information that is not referable to any named customer or group of named customers; or(ii)an application for a credit facility from the member by a customer of the member; or(b)the member’s deposit information;

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• data

  data

  Defined · s 2

  “data” means —(a)information relating to a person’s creditworthiness, including (to avoid doubt) customer information of a member of a licensed credit bureau; or(b)information relating to a person that is processed by a licensed credit bureau in the course of its credit reporting business,as the case may be;

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• data subject

  data subject

  Defined · s 2

  “data subject” means the person that is the subject of any data or credit report, as the case may be;

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• licensed credit bureau

  licensed credit bureau

  Defined · s 2

  “licensed credit bureau” means a credit bureau that is for the time being licensed;

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• member

  member

  Defined · s 2

  “member”, in relation to a licensed credit bureau, means an entity that is obliged under any contract or arrangement with the licensed credit bureau to provide data to the licensed credit bureau, and is entitled under such contract or arrangement to —(a)receive or request data from the licensed credit bureau;(b)use data received from the licensed credit bureau; and(c)disclose data received from the licensed credit bureau;

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