| SECTIONS | Credit Information Companies (Regulation) Act, 2005 |
| | |
| | Preamble |
| | |
| | CHAPTER I : PRELIMINARY |
| 1. | Short title, extent and commencement |
| 2. | Definitions |
| | |
| | CHAPTER II: REGISTRATION OF CREDIT INFORMATION COMPANIES |
| 3. | Prohibition to commence or carry on business of credit information |
| 4. | Application for registration |
| 5. | Grant of certificate of registration |
| 6. | Power of Reserve Bank to cancel certificate of registration |
| 7. | Appeal against order of Reserve Bank |
| 8. | Requirement as to minimum capital |
| | |
| | CHAPTER III: MANAGEMENT OF CREDIT INFORMATION COMPANIES |
| 9. | Management of credit information company |
| 10. | Power of Reserve Bank to determine policy |
| 11. | Power of Reserve Bank to give directions |
| 12. | Inspection of credit information company, credit institution and specified user |
| | |
| | CHAPTER IV: AUDITORS |
| 13. | Powers and duties of auditors |
| | |
| | CHAPTER V: FUNCTIONS OF CREDIT INFORMATION COMPANIES |
| 14. | Functions of a credit information company |
| 15. | Credit Institution to be member of a credit information company |
| 16. | Failure to become a member of a credit information company |
| 17. | Collection and furnishing of credit information |
| 18. | Settlement of dispute |
| | |
| | CHAPTER VI: INFORMATION PRIVACY PRINCIPLES AND FURNISHING OF CREDIT INFORMATION |
| 19. | Accuracy and security of credit information |
| 20. | Privacy principles |
| 21. | Alteration of credit information files and credit reports |
| 22. | Unauthorised access to credit information |
| | |
| | CHAPTER VII: OFFENCES AND PENALTIES |
| 23. | Offences and penalties |
| 24. | Cognizance of offences |
| 25. | Power of Reserve Bank to impose penalty |
| 26. | Application of fines |
| | |
| | CHAPTER VIII: MISCELLANEOUS |
| 27. | Power of Reserve Bank to specify maximum amount of fees |
| 28. | Disclosure of information before any court or tribunal or authority |
| 29. | Obligations as to fidelity and secrecy |
| 30. | Protection of action taken in good faith |
| 31. | Bar of jurisdiction |
| 32. | Power of Reserve Bank to exempt in certain cases |
| 33. | Application of other laws not barred |
| 34. | Amendment of certain enactments |
| 35. | Removal of difficulties |
| 36. | Power to make rules |
| 37. | Power of Reserve Bank to make regulations |
| | |
| | AMENDMENTS TO CERTAIN ENACTMENTS |
| | PART I : RESERVE BANK OF INDIA ACT, 1934 |
| | PART II: THE BANKING REGULATION ACT, 1949 |
| | PART III: THE STATE FINANCIAL CORPORATION ACT, 1951 |
| | PART IV: THE STATE BANK OF INDIA ACT, 1955 |
| | PART V: THE STATE BANK OF INDIA (SUBSIDIARY BANKS) ACT, 1959 |
| | PART VI: THE DEPOSIT INSURANCE AND CREDIT GUARANTEE CORPORATION ACT, 1961 |
| | PART VII : THE STATE AGRICULTURAL CREDIT CORPORATIONS ACT, 1968 |
| | PART VIII : THE BANKING COMPANIES (ACQUISITION AND TRANSFER OF UNDERTAKINGS) ACT, 1970 |
| | PART IX: THE BANKING COMPANIES (ACQUISITION AND TRANSFER OF UNDERTAKINGS) ACT, 1980 |
| | PART X: THE EXPORT-IMPORT BANK OF INDIA ACT, 1981 |
| | PART XI: THE NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT ACT, 1981 |
| | PART XII: THE PUBLIC FINANCIAL INSTITUTIONS (OBLIGATION AS TO FIDELITY AND SECRECY) ACT, 1983 |
| | PART XIII: THE NATIONAL HOUSING BANK ACT, 1987 |
| | PART XIV: THE REGIONAL RURAL BANKS ACT, 1976 |
