| Contents |
| Sections | Particulars |
| 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 |
| Parts | 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 |
