(1) A credit bureau may receive, compile and report information as regards a person that is ordinarily available to the public.

(2) The information is what can be obtained from the following public sources:

(a) government agencies that register business and maintain a register of businesses in operation;

(b) government agencies that register property rights and transactions which include;

(i) registries which maintain information on interests in immovable property,

(ii) creation of charges and other encumbrances on assets, and

(iii) the registration of discharges of the encumbrances;

(c) reports on investigations and convictions on economic crimes held by the Police Service;

(d) registries of courts which maintain;

(i) data on judgement debts,

(ii) records of insolvency proceedings,

(iii) orders for the winding-up of business, and

(iv) criminal convictions;

(e) rulings of tribunals or administrative bodies as regards the credit status of a person.

(3) The public source may enter into contracts with licensed credit bureaus to determine

(a) the modalities for the provision of information by the source, and

(b) the manner and form in which the information is submitted.

(4) A public source which provides information to a credit bureau shall include the following information:

(a) for individuals;

(i) the name,

(ii) the gender,

(iii) date of birth,

(iv) place of residence,

(v) relevant information obtained from the identification documents,

(vi) the taxpayer registration number, and

(vii) information as regards the registration of encumbrances that affect property and other rights; or

(b) for legal entities;

(i) the name,

(ii) the organizational and legal form,

(iii) the location,

(iv) the number and date of registration of legal entity,

(v) the taxpayer registration number,

(vi) details of the bank account,

(vii) information on registration of property rights, and

(viii) information on encumbrances of property