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Updated to 11 December 2024 (Act No. 48 of 2024 and S.I. No. 697 of 2024)

All effects below are reflected in the most recent Revised Act.

Credit Reporting Act 2013
No. 45 of 2013

Contents

Commencement

SectionCommencement DateCommencement Information
Whole Act 27 January 2014 Credit Reporting Act 2013 (Commencement) Order 2014 (S.I. No. 19 of 2014), art. 2

Amendments and other effects

How AffectedAffecting Provision
References construed Data Protection Act 2018 (7/2018), ss. 9, 14(2), (4)
S. 2(1)(f) substituted Markets in Financial Instruments Act 2018 (25/2018), s. 8(a)
S. 2(1A) inserted Markets in Financial Instruments Act 2018 (25/2018), s. 8(b)
S. 6(4) information prescribed Credit Reporting Act 2013 (Section 6) (Additional Personal Information) Regulations 2016 (S.I. No. 485 of 2016), regs. 1(2), 3(1)
  Credit Reporting Act 2013 (Section 6) (Additional Personal Information) Regulations 2016 (S.I. No. 485 of 2016), regs. 1(2), 3(2)
  Credit Reporting Act 2013 (Section 6) (Additional Personal Information) Regulations 2016 (S.I. No. 485 of 2016), regs. 1(2), 3(3)
S. 11(2)(a) information prescribed Credit Reporting Act 2013 (Section 11) (Provision of Information for Central Credit Register) Regulations 2016 (S.I. No. 486 of 2016), regs. 1(2), 3, sch. 1
  Credit Reporting Act 2013 (Section 11) (Provision of Information for Central Credit Register) Regulations 2016 (S.I. No. 486 of 2016), regs. 1(2), 7, sch. 2
S. 11(2)(b) form prescribed Credit Reporting Act 2013 (Section 11) (Provision of Information for Central Credit Register) Regulations 2016 (S.I. No. 486 of 2016), regs. 1(2), 4, sch. 1
  Credit Reporting Act 2013 (Section 11) (Provision of Information for Central Credit Register) Regulations 2016 (S.I. No. 486 of 2016), regs. 1(2), 8, sch. 2
S. 11(2)(b) dates prescribed Credit Reporting Act 2013 (Section 11) (Provision of Information for Central Credit Register) Regulations 2016 (S.I. No. 486 of 2016), regs. 1(2), 5,
  Credit Reporting Act 2013 (Section 11) (Provision of Information for Central Credit Register) Regulations 2016 (S.I. No. 486 of 2016), regs. 1(2), 9,
S. 11(2)(c) requrements prescribed Credit Reporting Act 2013 (Section 11) (Provision of Information for Central Credit Register) Regulations 2016 (S.I. No. 486 of 2016), regs. 1(2), 10,
S. 11(2)(c) requirements prescribed Credit Reporting Act 2013 (Section 11) (Provision of Information for Central Credit Register) Regulations 2016 (S.I. No. 486 of 2016), regs. 1(2), 6
S. 14 form prescribed Credit Reporting Act 2013 (Section 17) (Access to Central Credit Register) Regulations 2016 (S.I. No. 487 of 2016), regs. 1(2), 3
  Credit Reporting Act 2013 (Section 17) (Access to Central Credit Register) Regulations 2016 (S.I. No. 487 of 2016), regs. 1(2), 6
S. 14 information prescribed Credit Reporting Act 2013 (Section 17) (Access to Central Credit Register) Regulations 2016 (S.I. No. 487 of 2016), regs. 1(2), 4(a), sch. 1, pts. 1-3
  Credit Reporting Act 2013 (Section 17) (Access to Central Credit Register) Regulations 2016 (S.I. No. 487 of 2016), regs. 1(2), 4(b), sch. 2, pts. 1-6
  Credit Reporting Act 2013 (Section 17) (Access to Central Credit Register) Regulations 2016 (S.I. No. 487 of 2016), regs. 1(2), 4(c)-(g)
S. 14 dates prescribed Credit Reporting Act 2013 (Section 17) (Access to Central Credit Register) Regulations 2016 (S.I. No. 487 of 2016), regs. 1(2), 5
S. 14(1) fee prescribed Credit Reporting Act 2013 (Section 26) (Fees) Regulations 2018 (S.I. No. 91 of 2018), regs. 1(2), 3, 4(1)
S. 15(1) fee prescribed Credit Reporting Act 2013 (Section 26) (Fees) Regulations 2018 (S.I. No. 91 of 2018), regs. 1(2), 3, 4(1)
S. 15(1) form prescribed Credit Reporting Act 2013 (Section 17) (Access to Central Credit Register) Regulations 2016 (S.I. No. 487 of 2016), regs. 1(2), 10
  Credit Reporting Act 2013 (Section 17) (Access to Central Credit Register) Regulations 2016 (S.I. No. 487 of 2016), regs. 1(2), 7
S. 15(1) information prescribed Credit Reporting Act 2013 (Section 17) (Access to Central Credit Register) Regulations 2016 (S.I. No. 487 of 2016), regs. 1(2), 8(a), sch. 1, pts. 1-3
  Credit Reporting Act 2013 (Section 17) (Access to Central Credit Register) Regulations 2016 (S.I. No. 487 of 2016), regs. 1(2), 8(b), sch. 2, pts. 1-6
  Credit Reporting Act 2013 (Section 17) (Access to Central Credit Register) Regulations 2016 (S.I. No. 487 of 2016), regs. 1(2), 8(c)-(g)
S. 15(1) dates prescribed Credit Reporting Act 2013 (Section 17) (Access to Central Credit Register) Regulations 2016 (S.I. No. 487 of 2016), regs. 1(2), 9
S. 15(2) fee prescribed Credit Reporting Act 2013 (Section 26) (Fees) Regulations 2018 (S.I. No. 91 of 2018), regs. 1(2), 3, 4(1)
S. 15(2) form prescribed Credit Reporting Act 2013 (Section 17) (Access to Central Credit Register) Regulations 2016 (S.I. No. 487 of 2016), regs. 1(2), 11
  Credit Reporting Act 2013 (Section 17) (Access to Central Credit Register) Regulations 2016 (S.I. No. 487 of 2016), regs. 1(2), 14
S. 15(2) information prescribed Credit Reporting Act 2013 (Section 17) (Access to Central Credit Register) Regulations 2016 (S.I. No. 487 of 2016), regs. 1(2), 12(a), sch. 1, pts. 1-3
  Credit Reporting Act 2013 (Section 17) (Access to Central Credit Register) Regulations 2016 (S.I. No. 487 of 2016), regs. 1(2), 12(b), sch. 2, pts. 1-6
  Credit Reporting Act 2013 (Section 17) (Access to Central Credit Register) Regulations 2016 (S.I. No. 487 of 2016), regs. 1(2), 12(c)-(g)
S. 15(2) dates prescribed Credit Reporting Act 2013 (Section 17) (Access to Central Credit Register) Regulations 2016 (S.I. No. 487 of 2016), regs. 1(2), 13
S. 15(3) fee prescribed Credit Reporting Act 2013 (Section 26) (Fees) Regulations 2018 (S.I. No. 91 of 2018), regs. 1(2), 3, 4(2)
S. 15(3) form prescribed Credit Reporting Act 2013 (Section 17) (Access to Central Credit Register) Regulations 2016 (S.I. No. 487 of 2016), regs. 1(2), 15
  Credit Reporting Act 2013 (Section 17) (Access to Central Credit Register) Regulations 2016 (S.I. No. 487 of 2016), regs. 1(2), 18
S. 15(3) information prescribed Credit Reporting Act 2013 (Section 17) (Access to Central Credit Register) Regulations 2016 (S.I. No. 487 of 2016), regs. 1(2), 16(a), sch. 1, pts. 1-3
  Credit Reporting Act 2013 (Section 17) (Access to Central Credit Register) Regulations 2016 (S.I. No. 487 of 2016), regs. 1(2), 16(b), sch. 2, pts. 1-6
  Credit Reporting Act 2013 (Section 17) (Access to Central Credit Register) Regulations 2016 (S.I. No. 487 of 2016), regs. 1(2), 16(c), (d)
S. 15(3) dates prescribed Credit Reporting Act 2013 (Section 17) (Access to Central Credit Register) Regulations 2016 (S.I. No. 487 of 2016), regs. 1(2), 17
S. 15(5) fee prescribed Credit Reporting Act 2013 (Section 26) (Fees) Regulations 2018 (S.I. No. 91 of 2018), regs. 3, 4(3), 5(1)
S. 15(5) form prescribed Credit Reporting Act 2013 (Section 17) (Access to Central Credit Register) Regulations 2016 (S.I. No. 487 of 2016), regs. 1(2), 19
  Credit Reporting Act 2013 (Section 17) (Access to Central Credit Register) Regulations 2016 (S.I. No. 487 of 2016), regs. 1(2), 22
S. 15(5) information prescribed Credit Reporting Act 2013 (Section 17) (Access to Central Credit Register) Regulations 2016 (S.I. No. 487 of 2016), regs. 1(2), 20(a), sch. 1, pts. 1-3
  Credit Reporting Act 2013 (Section 17) (Access to Central Credit Register) Regulations 2016 (S.I. No. 487 of 2016), regs. 1(2), 20(b), sch. 2, pts. 1-6
  Credit Reporting Act 2013 (Section 17) (Access to Central Credit Register) Regulations 2016 (S.I. No. 487 of 2016), regs. 1(2), 20(c)-(h)
S. 15(5) dates prescribed Credit Reporting Act 2013 (Section 17) (Access to Central Credit Register) Regulations 2016 (S.I. No. 487 of 2016), regs. 1(2), 21
S. 15(6) fee prescribed Credit Reporting Act 2013 (Section 26) (Fees) Regulations 2018 (S.I. No. 91 of 2018), regs. 3, 4(4)
S. 15(6) form prescribed Credit Reporting Act 2013 (Section 17) (Access to Central Credit Register) Regulations 2016 (S.I. No. 487 of 2016), regs. 1(2), 23
  Credit Reporting Act 2013 (Section 17) (Access to Central Credit Register) Regulations 2016 (S.I. No. 487 of 2016), regs. 1(2), 26
S. 15(6) information prescribed Credit Reporting Act 2013 (Section 17) (Access to Central Credit Register) Regulations 2016 (S.I. No. 487 of 2016), regs. 1(2), 24(a), sch. 1, pts. 1-3
  Credit Reporting Act 2013 (Section 17) (Access to Central Credit Register) Regulations 2016 (S.I. No. 487 of 2016), regs. 1(2), 24(b), sch. 2, pts. 1-6
  Credit Reporting Act 2013 (Section 17) (Access to Central Credit Register) Regulations 2016 (S.I. No. 487 of 2016), regs. 1(2), 24(c)-(h)
S. 15(6) dates prescribed Credit Reporting Act 2013 (Section 17) (Access to Central Credit Register) Regulations 2016 (S.I. No. 487 of 2016), regs. 1(2), 25
S. 17(6) fee prescribed Credit Reporting Act 2013 (Section 26) (Fees) Regulations 2018 (S.I. No. 91 of 2018), regs. 3, 4(5), 5(2)
S. 19(2)(a) references to personal data construed Data Protection Act 2018 (7/2018), ss. 1(3), 165
S. 19(3) references to personal data construed Data Protection Act 2018 (7/2018), ss. 1(3), 165
S. 19(6) references to processing construed Data Protection Act 2018 (7/2018), ss. 1(3), 166
S. 20(1) requirements prescribed Credit Reporting Act 2013 (Section 20) (Verification of Identity of Credit Information Subjects) Regulations 2016 (S.I. No. 488 of 2016), regs. 1(2), 3(2)(a), pt. 1
  Credit Reporting Act 2013 (Section 20) (Verification of Identity of Credit Information Subjects) Regulations 2016 (S.I. No. 488 of 2016), regs. 1(2), 3(2)(b), pt. 2
  Credit Reporting Act 2013 (Section 20) (Verification of Identity of Credit Information Subjects) Regulations 2016 (S.I. No. 488 of 2016), regs. 1(2), 3(2)(c), pt. 3
S. 24 form prescribed Credit Reporting Act 2013 (Section 24) (Notices) Regulations 2016 (S.I. No. 489 of 2016), regs. 1(2), 3, sch.
S. 32(3) references construed Competition and Consumer Protection Act 2014 (29/2014), ss. 1(5), 8, 39

SIs made under the Act

SectionSIs made under the Act
S. 6(4) Credit Reporting Act 2013 (Section 6) (Additional Personal Information) Regulations 2016 (S.I. No. 485 of 2016)
S. 11 Credit Reporting Act 2013 (Section 11) (Provision of Information for Central Credit Register) Regulations 2016 (S.I. No. 486 of 2016)
S. 17 Credit Reporting Act 2013 (Section 17) (Access to Central Credit Register) Regulations 2016 (S.I. No. 487 of 2016)
S. 20 Credit Reporting Act 2013 (Section 20) (Verification of Identity of Credit Information Subjects) (Amendment) Regulations 2019 (S.I. No. 433 of 2019)
  Credit Reporting Act 2013 (Section 20) (Verification of Identity of Credit Information Subjects) Regulations 2016 (S.I. No. 488 of 2016)
S. 24 Credit Reporting Act 2013 (Section 24) (Notices) Regulations 2016 (S.I. No. 489 of 2016)
S. 26 Credit Reporting Act 2013 (Section 26) (Fees) (Amendment) Regulations 2018 (S.I. No. 348 of 2018)
  Credit Reporting Act 2013 (Section 26) (Fees) Regulations 2018 (S.I. No. 91 of 2018)