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Consultation Paper – Amendments to Code of Practice on Consumer Credit Data

The Commissioner issued a consultation paper on 22 May 2007 to seek the public views on his proposal to amend the Code of Practice on Consumer Credit Data (the "Code").

The Code first came into operation on 27 November 1998. It regulates the use of recorded information relating to an individual's credit transactions and aims to ensure that the handling of personal data by credit reference agencies and credit providers is fair and in line with the requirements of the Ordinance.

The proposed amendments to the Code may be divided into two categories:-

(a) amendments relating to the retention of data in relation to accounts which have been written off due to bankruptcy orders being made; and

(b) technical minor amendments.

The public consultation period on the amendments to the Code has ended and the responses are under review. The Commissioner will decide whether the proposed revision should be approved under section 12 of the Ordinance. Any revision of the Code will be notified in the Gazette.

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