S.L. 376.9 Art. 13Database access.         Cap. 586.

(1) A European creditor who intends to or has entered into a credit agreement with a consumer in Malta, shall have access under the same conditions as a 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 or a European creditor for access to the said database shall not be conditioned in a discriminatory manner but 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

Regulation (EU) 2016/679 of the European Parliament and of the

Council of 27 April 2016 on the protection of natural persons with regard to the processing of personal data and on the free movement of such data, and repealing Directive 95/46/EC (General Data Protection

Regulation) and the Data Protection Act, as applicable.