S.L. 378.12 Art. 20Cross-border credit. Cap. 586.

(1) A creditor from another Member State who intends to or has entered into a credit agreement with a consumer in Malta, shall have access under the conditions as a Maltese creditor, to the databases which are available in Malta in order to assess the creditworthiness of the consumer:

Provided that a request by a creditor for access to the said database 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.

(2) If the credit application is rejected on the basis of consultation of a database, the creditor shall inform the consumer immediately and without charge of the result of such consultation and of the particulars of the database consulted.

(3) This regulation is without prejudice to the application of the Data Protection Act.