S.L. 378.10 Art. 20Cross-border access.

(1) Maltese and European creditors shall have access to databases used in Malta for assessing the creditworthiness of consumers:

Provided that creditors may only access such databases for the sole purpose of monitoring consumers’ compliance with the credit obligations over the life of the credit agreement.

(2) Any conditions imposed for access to the databases referred to in sub-regulation (1) shall be non-discriminatory.

(3) Sub-regulation (1) shall apply both to databases which are operated by private credit bureaux or credit reference agencies and to public registers: Provided that a request by a creditor for access to such databases may be refused by the holder of the database if the information to be provided is prohibited by any other law, or is contrary to the public policy or public security of Malta.

(4) This regulation shall be without prejudice to the Data Protection Directive.