Brian Hayes (Dublin South West, Fine Gael)
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I understand. Section 17 deals with the matter in that it sets out the purposes for which the information can be used by the credit information provider. The purposes are set out in subsections (a) to (e). These include: verifying information provided in or in connection with a credit application; evaluating the risk of affording or extending credit to, or taking a guarantee or indemnity from, a credit information subject; evaluating the risk of any changes to the nature or term of a credit agreement; monitoring any default by a credit information subject; and evaluating whether to make any proposal or arrangement changes to the position. Section 29(2) indicates: "A credit information provider who knowingly uses information to which access has been given under this Act for a purpose other than one permitted by this Act commits an offence.", which would be applicable in the Deputy's scenario.