Updated to 16 September 2025 (Act No. 10 of 2025 and S.I. No. 432 of 2025)
All effects below are reflected in the most recent Revised Act.
Credit Reporting Act 2013
No. 45 of 2013
Contents
Commencement
| Section | Commencement/Effective Date Where the commencement and effective dates differ, the effective date is shown below.
|
Commencement Information |
|---|---|---|
| Whole Act | 27 January 2014 | Credit Reporting Act 2013 (Commencement) Order 2014 (S.I. No. 19 of 2014), art. 2 |
Amendments and other effects
| How Affected | Affecting Provision | Affecting Provision Commencement/Effective Date
Where the commencement and effective dates differ, the effective date is shown below.
|
Commencement Source |
|---|---|---|---|
| References construed | Data Protection Act 2018 (7/2018), ss. 9, 14(2), (4) | 25 May 2018 | Data Protection Act 2018 (Commencement) Order 2018 (S.I. No. 174 of 2018), art. 3 |
| S. 2(1)(f) substituted | Markets in Financial Instruments Act 2018 (25/2018), s. 8(a) | 29 October 2018 | Commenced on enactment |
| S. 2(1A) inserted | Markets in Financial Instruments Act 2018 (25/2018), s. 8(b) | 29 October 2018 | Commenced on enactment |
| S. 19(2)(a) references to personal data construed | Data Protection Act 2018 (7/2018), ss. 1(3), 165 | 25 May 2018 | Data Protection Act 2018 (Commencement) Order 2018 (S.I. No. 174 of 2018), art. 3 |
| S. 19(3) references to personal data construed | Data Protection Act 2018 (7/2018), ss. 1(3), 165 | 25 May 2018 | Data Protection Act 2018 (Commencement) Order 2018 (S.I. No. 174 of 2018), art. 3 |
| S. 19(6) references to processing construed | Data Protection Act 2018 (7/2018), ss. 1(3), 166 | 25 May 2018 | Data Protection Act 2018 (Commencement) Order 2018 (S.I. No. 174 of 2018), art. 3 |
| S. 32(3) references construed | Competition and Consumer Protection Act 2014 (29/2014), ss. 1(5), 8, 39 | 1 August 2014 | Competition and Consumer Protection Act 2014 (Commencement) Order 2014 (S.I. No. 366 of 2014), art. 2 |
SIs made under the Act
| Section | SIs made under the Act |
|---|---|
| S. 6(4) | Credit Reporting Act 2013 (Section 6) (Additional Personal Information) Regulations 2016 (S.I. No. 485 of 2016) |
| S. 11 | Credit Reporting Act 2013 (Section 11) (Provision of Information for Central Credit Register) Regulations 2016 (S.I. No. 486 of 2016) |
| S. 17 | Credit Reporting Act 2013 (Section 17) (Access to Central Credit Register) Regulations 2016 (S.I. No. 487 of 2016) |
| S. 20 | Credit Reporting Act 2013 (Section 20) (Verification of Identity of Credit Information Subjects) (Amendment) Regulations 2019 (S.I. No. 433 of 2019) |
| Credit Reporting Act 2013 (Section 20) (Verification of Identity of Credit Information Subjects) Regulations 2016 (S.I. No. 488 of 2016) | |
| S. 24 | Credit Reporting Act 2013 (Section 24) (Notices) Regulations 2016 (S.I. No. 489 of 2016) |
| S. 26 | Credit Reporting Act 2013 (Section 26) (Fees) (Amendment) Regulations 2018 (S.I. No. 348 of 2018) |
| Credit Reporting Act 2013 (Section 26) (Fees) Regulations 2018 (S.I. No. 91 of 2018) |