Credit Reporting Act 2013

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Personal information

6. (1) In relation to a credit information subject who is an individual, the following is personal information—

(a) the individual’s forename and surname and any former surnames (including any alias);

(b) the individual’s mother’s birth surname;

(c) the individual’s date and place of birth;

(d) the individual’s address and previous addresses;

(e) the individual’s telephone number;

(f) the individual’s personal public service number (within the meaning of section 262 of the Social Welfare Consolidation Act 2005 ) and any other reference numbers allocated to the individual for the purposes of tax (whether in the State or any other country or territory);

(g) the individual’s employment status and, if employed or carrying on other activities, the individual’s occupation and the sector of the economy in which the individual is occupied.

(2) In relation to a credit information subject who is an individual carrying on activities otherwise than as an employee, the following is also personal information—

(a) any trading name, the nature of the entity by which the activities are carried on and any registration number issued to the credit information subject by the Companies Registration Office;

(b) the address of the place (or, where more than one, the principal place) at which the activities are carried on;

(c) the telephone number for any place where the activities are carried on.

(3) In relation to a credit information subject which is not an individual, the following is personal information—

(a) the credit information subject’s name, the nature of the entity it is and any registration number issued to it by the Companies Registration Office;

(b) the address of the place (or, where more than one, the principal place) at which the activities of the credit information subject are carried on and (if a company) the address of the registered office of the credit information subject;

(c) the telephone number of the credit information subject;

(d) all reference numbers allocated to the credit information subject for the purposes of tax (whether in the State or any other country or territory);

(e) the sector of the economy in which the credit information subject carries on its activities.

(4) The Bank may, following consultation with the Data Protection Commissioner and with the consent of the Minister, make regulations specifying additional information which is to be personal information in relation to all credit information subjects or in relation to any class of credit information subjects.

(5) Regulations under subsection (4) may not be made unless the Bank considers that the holding on the Register of the personal information specified in the regulations is likely to facilitate the accurate identification of credit information subjects.

(6) A person who uses, or seeks to have disclosed, a personal public service number for any purpose connected with this Act does not commit an offence under section 262 (9) of the Social Welfare Consolidation Act 2005 .