Singapore legislation

Regulation 13

of Credit Bureau (Appeals) Regulations 2025

Regulation 13

Contents of Authority’s reasons

Subregulation 1

The Authority’s reasons —

(a)

must state —

(i)

the name and address of the Authority;

(ii)

the name and email address of each authorised officer of the Authority or each legal representative of the Authority, if any; and

(iii)

an email address for the service of documents;

(b)

subject to paragraph (2), must contain —

(i)

a concise statement of the facts;

(ii)

a summary of the grounds for the decision of the Authority;

(iii)

the arguments of fact or law upon which the Authority will rely; and

(iv)

the outcome sought by the Authority;

(c)

must be signed and dated by —

(i)

any authorised officer of the Authority, on the Authority’s behalf, if the details provided in sub‑paragraph (a)(ii) relate to one or more authorised officers of the Authority; or

(ii)

any legal representative of the Authority, on the Authority’s behalf, if the details provided in sub‑paragraph (a)(ii) relate to one or more legal representatives of the Authority; and

(d)

subject to paragraph (2), must include a copy of all the documents supporting those arguments of fact or law and any other document mentioned in the matters stated in sub‑paragraph (b).

Subregulation 2

Where the Authority has made a request for confidential treatment of a document, part of a document, or information under regulation 22 and the Minister does not make a decision in respect of the Authority’s request before the expiry of the period within which the Authority must file the Authority’s reasons under these Regulations —

(a)

the Authority may, in the Authority’s reasons, omit the document, part of the document, or information for which confidential treatment has been requested; but(b)where the Authority considers it possible to summarise or redact the material in the document, part of the document or information, the Authority must —

(i)

in the Authority’s reasons, provide the non‑confidential version of the document, part of the document or information mentioned in regulation 22(3)(a); and

(ii)

notify the Appeal Advisory Committee and the appellant that material in the document, part of the document or information has been summarised or redacted.