Section 1 — Supervisory and regulatory role of the Bank of Ghana Section 2 — Credit bureau licence Section 3 — Application for licence Section 4 — Application and licensing fees Section 5 — Process for application Section 6 — Licensing requirements Section 7— Conditions for grant of licence Section 8 —Organizational and technical requirements for credit bureaux Section 9 —Time limit for decision on application for credit bureau licence Section 10 —Grant of credit bureau licence Section 11 —Revocation and suspension of credit bureau licence Section 12 —Permissible credit bureau activities Section 13 —Review of licensing requirements Section 14 —Pre-license inspections and security checks Section 15 —Register of licences Section 16 —Non-transferability of licence Section 17 —Renewal of licence Section 18 —Capital requirements for carrying on a credit bureau business Section 19 —Display of credit bureau licence Section 20 — Places of business Section 21— Duties of a credit bureau Section 22 — Duties of a data provider Section 23 — Duties of a credit report recipient Section 24 — Submission of information to credit bureaux Section 25 — Financial institution to provide information without prior consent Section 26 — Financial institution to provide information with consent of borrower Section 27— Offence of disclosure of confidential information Section 28 — Other sources of information for credit bureaux Section 29 — Access to information Section 30 — Retention period of credit information database Section 31 — Management of database security Section 32 — Dissemination and usage of credit information by credit bureau Section 33 — Payment for the provision of credit information and credit report services Section 34 — Credit bureau to observe privacy and secrecy principles Section 35 — Duties of a data provider in relation to consent obtained Section 36 — Right to confidential treatment Section 37 — Right to access and challenge of credit records and information Section 38 — Right of modification and cancellation of information Section 39 — Unfounded claim Section 40 — Refusal of inspection Section 41 — Legal action Section 42 — Inquiry Service Unit Section 43 — Dispute resolution Section 44 — General offences, breaches and penalties Section 45 — Operation of credit bureau without licence Section 46 — Investigation of certain matters by the Bank of Ghana Section 47 — Inspection by Bank of Ghana Section 48 — Production of books Section 49 — Procedure on receipt of books Section 50 — Information from books to be published with prior consent Section 51 — Order by Magistrate to enter and search premises Section 52 — Power of Court to make certain orders Section 53 — Liquidation of credit bureau Section 54 — Database in event of liquidation, suspension or revocation of a licence Section 55 — Compliance report Section 56 — Technical audit Section 57 — Accounts and audit Section 58 — Bank of Ghana to submit annual report Section 59 — Sale or amalgamation of business Section 60 — Regulations Section 61 — Interpretation Section 62 — Application of other legislation Schedule