Credit Information Companies (Regulation) Act, 2005

Section - 1 - Short title, extent and commencement
Section - 2 - Definitions
Section - 3 - Prohibition to commence or carry on business of credit information
Section - 4 - Application for registration
Section - 5 - Grant of certificate of registration
Section - 6 - Power of Reserve Bank to cancel certificate of registration
Section - 7 - Appeal against order of Reserve Bank
Section - 8 - Requirement as to minimum capital
Section - 9 - Management of credit information company
Section - 10 - Power of Reserve Bank to determine policy
Section - 11 - Power of Reserve Bank to give directions
Section - 12 - Inspection of credit information company, credit institution and specified user
Section - 13 - Powers and duties of auditors
Section - 14 - Functions of a credit information company
Section - 15 - Credit Institution to be member of a credit information company
Section - 16 - Failure to become a member of a credit information company
Section - 17 - Collection and furnishing of credit information
Section - 18 - Settlement of dispute
Section - 19 - Accuracy and security of credit information
Section - 20 - Privacy principles
Section - 21 - Alteration of credit information files and credit reports
Section - 22 - Unauthorised access to credit information
Section - 23 - Offences and penalties
Section - 24 - Cognizance of offences
Section - 25 - Power of Reserve Bank to impose penalty
Section - 26 - Application of fines
Section - 27 - Power of Reserve Bank to specify maximum amount of fees
Section - 28 - Disclosure of information before any court or tribunal or authority
Section - 29 - Obligations as to fidelity and secrecy
Section - 30 - Protection of action taken in good faith
Section - 31 - Bar of jurisdiction
Section - 32 - Power of Reserve Bank to exempt in certain cases
Section - 33 - Application of other laws not barred
Section - 33A - Powers of Reserve Bank not apply to International Financial Services Centre
Section - 34 - Amendment of certain enactments
Section - 35 - Removal of difficulties
Section - 36 - Power to make rules
Section - 37 - Power of Reserve Bank to make regulations
Schedule - AMENDMENTS TO CERTAIN ENACTMENTS
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