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Date: 2024-04-30 Category: Not Applicable State: Union Government Country: India

Credit Information Companies (Amendment) Regulations, 2017

Issued by Reserve Bank of India · Not Applicable

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Executive Summary & Key Takeaways

**Executive Summary** This document contains the Credit Information Companies (Amendment) Regulations, 2017, issued by the Reserve Bank of India (RBI) on August 11, 2017. It amends the Credit Information Companies Regulations, 2006, and comes into force on the date of its publication in the official gazette (August 25, 2017). The amendment involves changes to the entities to whom the regulations apply, adding Information Utilities and Resolution Professionals appointed under the Insolvency and Bankruptcy Code, 2016. **Key Points / Main Content** * **Short Title and Commencement:** * The regulations are named the Credit Information Companies (Amendment) Regulations, 2017. * They will be effective from the date of publication in the official gazette (August 25, 2017). * **Amendment of Regulation 3:** * In regulation 3 of the Credit Information Companies Regulations, 2006: * The phrase "following companies" is replaced with "following persons". * The following entities are added after clause (g): * "(h) an information utility as defined in the Insolvency and Bankruptcy Code, 2016 (Act 31 of 2016)". * "(i) a resolution professional appointed under the Insolvency and Bankruptcy Code, 2016 (Act 31 of 2016), in so far as the credit information of the corporate debtor, in respect of which he has been so appointed." **Impact Analysis** **Credit Information Companies:** * **Impact:** The definition of the entities to whom the regulations apply is broadened. * **Action Required:** Update systems and processes to include "Information Utilities" and "Resolution Professionals" for the purposes of the regulations. **Information Utilities & Resolution Professionals:** * **Impact:** Are now included within the purview of the Credit Information Companies Regulations. * **Action Required:** Comply with the Credit Information Companies Regulations, specifically regarding credit information of corporate debtors for whom they are appointed (Resolution Professionals).

Key Entities Referenced

Credit Information Companies (Regulation) Act, 2005: The primary law authorizing the Reserve Bank of India to make regulations regarding credit information companies. Credit Information Companies Regulations, 2006: The regulations being amended by the 2017 amendment regulations. Insolvency and Bankruptcy Code, 2016: Referenced act that defines 'information utility' and 'resolution professional', which are added to the list of persons from whom credit information can be obtained. Credit Information Companies (Amendment) Regulations, 2017: The regulation document itself, amending the 2006 regulations. Reserve Bank of India: The regulator issuing the amendment regulations.
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