Credit Information Companies (Regulation) Act, 2005 alongwith Rules & Regulations

This authoritative volume compiles the Credit Information Companies (Regulation) Act, 2005 with associated Rules and Regulations into a single, professionally edited reference for regulators, financial institutions and legal practitioners. The Act establishes the legal framework for registration, licensing, governance and functioning of Credit Information Companies (CICs), sets out duties regarding collection, processing and dissemination of credit information, prescribes obligations for data quality, accuracy and confidentiality, and provides consumer protections including access, correction and dispute-resolution mechanisms. The included Rules and Regulations detail application formats, disclosure norms, data-security measures, fees, and compliance reporting procedures. Section-wise layout with concise marginal notes, cross-references to related financial regulations, a practical index and sample compliance checklists make this edition especially useful for compliance officers preparing documentation, lawyers advising on credit-data disputes, and bankers assessing vendor governance. Edited for clarity and ease of navigation, this edition is intended as a desk-ready statutory toolkit for institutions dealing with credit reporting, risk assessment, regulatory filings, and consumer grievance handling.