Introductory Text
PART 1
1.Citation and commencement
2.Interpretation
PART 2
3.Designated banks to provide information to designated credit reference agencies
4.Requests for information by credit reference agencies
5.Agreement by customers of banks
6.Designated credit reference agencies to provide information to finance providers
7.Designated credit reference agencies to provide information to the Bank of England
8.Right of action for failure to provide information
PART 3
9.Power to designate banks and credit reference agencies and to revoke designations
10.Criteria for the designation of a bank
11.Consultation before designation of a bank
12.Criteria for the designation of a credit reference agency
13.Consultation before designation of a credit reference agency
14.Record of designated banks and credit reference agencies
PART 4
15.Access to and correction of information for individuals and small firms
16.Right of action in relation to inaccurate information
PART 5
17.Extension of the jurisdiction of the Financial Ombudsman Scheme to designated credit reference agencies
PART 6
CHAPTER 1
18.Functions of the FCA
19.Monitoring and enforcement
20.Guidance and consultation
21.Fees and penalties
22.Exemption from liability in damages
CHAPTER 2
23.Reporting requirements
24.Record keeping
25.Restrictions on disclosure of information
CHAPTER 3
26.Information gathering and investigations under Part 11 of the 2000 Act
27.Protected information
CHAPTER 4
28.Public censure
29.Financial penalties
30.Limitations on permission to carry on regulated activities
CHAPTER 5
31.Injunctions
32.Power of FCA to require restitution
33.Restitution orders
CHAPTER 6
34.Offence of misleading the FCA
35.Restriction on penalties
36.Liability of officers of bodies corporate etc
37.Proceedings for offence
38.Further provisions relating to proceedings for offence
CHAPTER 7
39.Requirement to issue warning notice
40.Requirement to issue decision notice
41.Third party rights
42.Service of notices
43.Statements of policy
44.Application of Part 26 of the 2000 Act
CHAPTER 8
45.Referral to Tribunal
46.The Tribunal
PART 7
47.Review
Signature
SCHEDULE
Credit information
1.Information relating to a loan made in sterling to the...
2.Information relating to a credit card account denominated in sterling...
3.Information relating to a current account denominated in sterling and...
4.Where any of the information described in the preceding paragraphs...
Explanatory Note