Introductory provisions
section 1 of this Act concerning credit data activities involving
to anyone, except in isolated cases, leaving credit data against
compensation or as part of the business. The law applies to
also other credit data activities, if it is more
scope.
The law does not apply when an authority to disclose information with support
by law, regulation or decision of the Government
or an authority that the Government has decided.
The law does not apply for clearance of credit reports
between companies of the same group, except when the information is submitted
by a company authorised by the Data Inspection Board in accordance with paragraph 3 of
the first paragraph. Act (1997:556).
2 § With credit check referred to in this law, information, reviews
or advice submitted to management for evaluation by someone else's
creditworthiness or solvency in financial
respect. Information, opinions or advice provided to any
to be used in his credit data activities is considered to
not, however, that credit report.
With the traders referred to in this law who, without
drive trade, have such a significant influence in a
certain activities that information about his own position needed
to highlight the company's financial position. Act (1997:556).
Permits, etc.
paragraph 3 of the Credit data activities may be carried out only after
State of the Data Inspection Board.
Data inspection Board's permission needed but not for the following
companies, if their basic condition includes
credit data activities:
1. a credit institution,
2. a foreign credit institution operating in Sweden
According to Chapter 4. 1 or section 2 of the Act (2004:297) on banking and
finance law, or
3. a foreign credit institution authorised to drive
activity in Sweden according to Chapter 4. section 4 of the law on banking and
finance law.
A company referred to in the second subparagraph 1 or 3 shall begin
engaging in credit data activities two months after
The Swedish data inspection Board received a notification from the company if
that it intends to engage in this activity.
Permits are not required for credit data activities, in the
so far as it is carried out through the publication of credit check on
such a way that the meaning of freedom or
freedom of speech. Law (2004:301).
4 § permission to engage in credit data activities may
be notified only if the activities likely to be carried out on a
expert and judicious manner.
The Swedish data inspection Board may lay down the conditions under which a company's
credit data activities carried out and of the obligation
for a company to notify change of conditions has
importance of the right to operate. Act (1997:556).
The company's operation, etc.
5 § Credit data activities must be operated so that it does not
result in undue intrusion into personal privacy by
the content of the information communicated or otherwise
or that incorrect or misleading information is stored
or left out. For such processing of personal data
covered by the personal data Act (1998:204) applies instead, section 9
first subparagraph, point (a), (b) and (d) to (h) of the Act.
Data on natural persons may be collected only for
credit reporting purposes.
In the case of wholly or partly automatic processing of data on
legal persons shall the operator
credit data activities take appropriate technical and
organisational security measures to prevent
the treatment is done illegally and that the data
exposed to unauthorized scrutiny. Provisions on the safety
the processing of personal data, see 30-32 §§
the data protection act.
Notwithstanding the provisions of section 10 of the data protection act, personal data
treated without consent in credit data activities. The
registered can not resist reading.
The provision in the second paragraph does not apply to the extent
It would be contrary to the provisions of the freedom of the Press Act
or freedom of speech. Law (2001:164).
Exchange of information
5 a § what happens if the confidentiality of the operations of the
Swedish credit institutions, payment institutions, Institute for
electronic money, companies like courtesy driver
activities according to the law (2014:275) if certain activities with
consumer credit and securities companies shall not prevent
information on loans, loan defaults left and
credit abuse are exchanged for credit reporting purposes within a
circuit made up of those undertakings and undertakings which have
State of the Data Inspection Board under section 3 of the first paragraph.
In the circuit referred to in the first subparagraph include foreign
credit institutions referred to in Chapter 4. 1, 2, 4 and 6 of the Act
(2004:297) on banking and finance law, foreign
undertakings referred to in Chapter 3. 26 and 27 of the Act (2010:751) on
payment services, foreign companies as referred to in Chapter 3. 26-28 § §
Act (2011:755) on electronic money, foreign companies
referred to in Chapter 4. 1 and 4 of the Act (2007:528) on
securities market and foreign companies as referred to in section 2 of the
Act (2014:275) in respect of a business of consumer credit.
Provisions on the use of data on
loan defaults and credit abuse is also found in section 7.
Law (2014:281).
Sensitive data, etc.
section 6 of the data on a person's race, ethnic origin, political
opinion, religious or philosophical beliefs,
Trade-Union membership, health or sex life shall not
covered in credit data activities.
Data relating to offences involving crime, judgments in
criminal proceedings, pre-trial supervision measures or administrative
detention shall not without the consent of the Data Inspection Board
covered in credit data activities.
A consent referred to in the second subparagraph may be granted only if
There are exceptional circumstances.
As specified in the second subparagraph shall not prevent the data on
defaults, credit abuse or disqualification
covered in credit data activities. Law (2001:164).
section 7 of credit information on individuals who are not
trader may not contain information on other
defaults than those
1. has been established by a court or another authority
ruling or action or
2. has led to the initiation of debt restructuring or to
suspension of payments, bankruptcy or settlement proceedings.
Credit information referred to in the first subparagraph may also not
State the credit abuse, except when the credit has
made by a company under FSA
supervision and borrower substantially exceeded
the applicable credit limit, or otherwise seriously
abused the credit.
If there are special reasons, the Swedish Data Inspection Board may decide to
a company shall be exempted in whole or in part from
the provisions of the first and second subparagraphs.
Information in accordance with the provisions of the first and second subparagraphs
don't get left out must not be stored in the registry as
used in credit data activities. Law (2006:747).
Thinning
section 8 an indication of a natural person to screen when there is no
longer necessary to maintain the task with regard to
the purpose of the processing.
An indication of a physical person who is not a trader should,
If the task does not apply to debt settlement, is to be no later than three years
After the date on which the event occurred or the
relationship ended as the task is for. Related to task a
request or disclosure of a credit report, the
However, screen not later than one year after the date on which the request
was produced.
A reference to the debt restructuring arrangement for screening no later than five years after the
day when debt restructuring was granted or, if a payment plan
under the debt relief Act (2006:548) runs for a longer time,
not later than the date on which the plan expires.
A task that has been obtained from the Swedish enforcement authority in its
the business of collection and enforcement to screen when the
not covered by the exemption from secrecy in 34 Cape. 1 section
paragraph publicity and secrecy (2009:400). A
task that has been obtained from the Swedish enforcement authority shall also
screen when it has been blocked by the Swedish Enforcement Administration with
support of 3 Cape. 3 a.the Act (2001:184) concerning the processing of
data in the Swedish enforcement authority's activities. Law (2011:471).
Disclosure of information
9 § credit information on individuals who are not
traders must not be left out, if there is reason to
assume that the information will be used by anyone other than
any person who, on the basis of a conclusion or challenged credit agreements
or for some similar reason, need for enlightenment.
The first subparagraph shall not apply to the publication of a
credit report in such a way that the meaning of
freedom or freedom of speech,
but when information is provided from a database within the meaning of
1 Cape. 9 § freedom of speech within the meaning of the
paragrafens first paragraph 1 and 2. Law (2010:1073).
Registry information
section 10 everyone has the right to charge for reasonable of the
engaging in credit data activities get written notice of
whether the business is dealt with information on him.
Natural persons have the right to once per calendar year get a
information for free. Such information is treated shall notice left
If
(a)) the data undergoing processing,
(b)) if the registrant is a natural person: from where
the data is retrieved,
c) the purpose or purposes of the processing and
(d)) to the recipients or categories of recipients who are
the data are disclosed.
The provisions of the first subparagraph shall not apply in the
extent that would be contrary to the provisions of
freedom or freedom of speech.
A request for information referred to in the first subparagraph if an individual
shall be made in writing and be personally signed.
Law (2001:164).
Credit data copy
11 § When a credit report if a natural person is left out,
going to the meaning of enlightenment and at the same time
free be sent written notice of
1. who is engaging in credit data activities,
2. the purposes of the processing,
3. the information, reviews and advice information contains
about him or her,
4. the opportunity to rectify the data concerning him
or her, and
5. who have requested information.
If the credit report be released to the u.s.
credit institutions and securities companies, or to a
corresponding foreign companies, to be used only as
basis for calculation of the capital requirement for credit risk with
such a method referred to in article 143(1) out loud in the European Parliament
and Council Regulation (EU) no 575/2013 of 26 June 2013
prudential requirements for credit institutions and investment firms and
amendment to Regulation (EU) No 648/2012, get the message sent
later but without undue delay and is limited to information
referred to in the first subparagraph 1, 2 and 5. If the referred to with
informations requests it, is also in accordance with 3 and 4
be sent to him or her.
The first and second subparagraphs shall also apply when a credit report
provided when a partnership or limited partnership.
First to third subparagraphs shall not apply to credit information
be given by publication in a manner referred to in
freedom or freedom of speech,
but when information is provided from a database 1
Cape. 9 § freedom of speech within the meaning of the
paragrafens first paragraph 1 and 2. Law (2014:970).
Corrigendum to:
section 12, there are grounds for suspecting that a task
covered in credit data activities or provided
in a credit report in the last twelve-month period
is incorrect or misleading, or that would otherwise have
been dealt with in contravention of this law, to the operator
without delay take reasonable steps to
investigate the relationship.
It turns out that the task is incorrect or misleading,
or that it has been processed in violation of the law, should
it, if it is present in the registry, corrected, supplemented or
excluded from the register.
If an incorrect or misleading indication has been included in a
credit report issued, to rectification or
completion as soon as it can be sent to anyone who
during the most recent 12-month period received part of the task.
This does not apply to the disclosure of a credit report on
such a way that the meaning of freedom or
freedom of speech, but when the enlightenment
supplied from a database within the meaning of Chapter 1. 9 §
freedom of speech within the meaning of the paragrafens
paragraph 1 and 2.
Have the task in the most recent 12-month period provided
in a periodicals or in a credit data activities
carried out by successive releases according to
freedom of speech, should its correction or completion
as soon as it can be introduced into a the following number of
script or equivalent form of publication under
freedom of speech.
Other – fourth subparagraphs shall not apply if the task is obviously
not relevant to the assessment of his or her
accuracy in economic terms.
Have a question for correction or similar action taken up
After petition from the task intends, it shall
free of charge, to be informed as to whether such a measure
taken. Law (2010:1073).
Transfer and lease of registry
section 13 of the tables that are used in credit data activities may be transferred
or be granted to another only with the consent of the Swedish data inspection Board.
Anyone who ceases to engage in credit data activities or relating to
to move the operations to another country or to dispose of a
the tables that are used in such activities shall notify the
the Swedish data inspection Board. The inspection requires in such cases what it should
perish with the records affected by the operation. Law (1981:737).
Professional secrecy
section 14 of the one who is or has been involved in credit data activities
must not unduly reveal or make use of what he consequently rated
Learn about individuals ' personal circumstances or if professional or
trade secrets. Law (1981:737).
Supervision, etc.
15 § the Swedish Data Inspection Board supervises the observance of this law.
Supervision shall be exercised in such a way that it doesnt cause greater cost or
inconvenience than is necessary.
section 16 of the Swedish Data Inspection Board has the right to carry out inspection of the
engaging in credit data activities and to take advantage of all
documents relating to the business.
The engaging in credit data activities shall provide
the Swedish data inspection Board the information on the activities that the inspection request
for his oversight.
Credit data activities are carried out through the publication of
credit report in such a way that the meaning of freedom of the Press Act and
freedom of speech, the operating activities of a
week after publication to make sure that the data inspection Board free of charge
get part of it published. Lag (1991:1563).
section 17 if the person has the right to conduct
credit data activities overrides a provision of this
Act or a condition which has been communicated pursuant to section 4 of the other
subparagraph, the Swedish Data Inspection Board shall submit to him to take
correction, decide to change a condition previously
reporting or announce a new condition.
If rectification cannot be achieved in any other way, as far as
for any authorized under section 3 of the first subparagraph,
The Swedish data inspection Board revoke the licence. The same is true, if
the prerequisites for the State of no longer
exists.
Where an undertaking referred to in paragraph 3 of the second paragraph 1 or 3 not
take rectification, the Data Inspection Board shall notify
The Swedish financial supervisory authority.
Where an undertaking referred to in paragraph 3 of the second paragraph 2 does not take
correction, the Swedish Data Inspection Board shall inform the competent
authority of the home Member State. Correcting still does not happen,
the Data Inspection Board may prohibit company making new commitments
here in the country. Before prohibition, the Inspectorate is notified
inform the competent authority of the home Member State. In
urgent cases, the supervisory authority announce the ban at any time without prior
notification to the home Member State authority. This, then,
be notified as soon as it can be. Law (2004:301).
17 (a) repealed by Act (1997:556).
section 18 of the Government may provide for the obligation of the
engaging in credit data activities to pay fee for
Inspectorate enforcement activities under this Act.
Fee charged by the Swedish Data Inspection Board. Act (1997:556).
Penalties and damages, etc.
section 19 to the fine or imprisonment not exceeding one year are judged it as
where, either intentionally or negligently:
1. engaging in credit data activities without having the right to
According to section 3,
2. breach of sections 6 to 9, 13 or paragraph, second subparagraph
the first sentence or paragraph 16,
3. violates a constraint that has been communicated in accordance with paragraph 4 of the second
subparagraph, paragraph 13, second sentence or section 17 of the first
subparagraph, or
4. leave a false indication in the cases referred to in section 10 of the
or 16 section or in a notice under section 11.
To fine convicted the person through false declaration intentionally
give rise to any operating
credit data activities, except in the event of the excluded
in paragraph 9, leave out a credit check without
have the basis to this according to paragraph 9. To the same
penalty it as by exploiting information of any
engaging in credit data activities intentionally prepares
access to a credit report without having to
According to paragraph 9. In call cases sentenced, however, not
to responsibility. Law (2010:1073).
section 20 Has credit data activities carried out by someone who
not entitled to it under section 3, shall register used
in business explained forfeited unless it is clear
obilligt. The same applies, if the records have been transferred or
granted in contravention of section 13, first subparagraph, or if what
determined in accordance with section 13, second subparagraph, second sentence, has not been complied with.
Act (1997:556).
section 21 The engaging in credit data activities shall make good any damage
as a result of the activities added someone by improper
invasion of his privacy or inaccurate task
provided about him, if not the operating business can demonstrate that
due diligence and care have been observed. At the discretion of whether and to what
so far as the damage has occurred teketel also to suffering and other
circumstances by other than purely economic importance.
section 22 Of the engaging in credit data activities does not fulfill what
incumbent on him under section 10, 11 or 12, the Swedish data inspection Board
submit to the penalty. The same applies, if the person engaged in such activities
fails to provide access to document or disclose in
cases referred to in section 16 of the first or second paragraph. Law (1981:737).
Appeal
section 23 of the Data Inspection Board's decision under this Act may be appealed
of General Administrative Court. The Attorney General may bring an action
to take to be in the general interest.
Leave to appeal is required in the case of appeal to the Administrative Court of
decision on the imposition of a penalty. Act (1998:380).
Transitional provisions
1984:394
This law shall enter into force on the day the Government determines. Provision of 6
§ second paragraph first sentence also applies in the case of a notice to the effect that the
someone has been the subject of action under the Act (1973:558) on
temporary custody.
1988:1478
This law shall enter into force on 1 January 1989. Older regulations apply
still with regard to the statement that someone has been the subject of action
According to the law (1981:1243) the care of drug users in some cases.
1990:58
This law shall enter into force on 1 July 1990. Older regulations apply
still with regard to the statement that someone has been the subject of action
under the Act (1980:621) with specific provisions for the care of young people.
1991:1959
This law shall enter into force on 1 January 1992. Older regulations apply
still with regard to the statement that someone has been the subject of action
pursuant to lagen (1966:293) on preparation of closed psychiatric care in some
case.
1992:1616
1. This law shall enter into force on the day the Government determines.
(In force on 1 January 1994, 1993:1646).
2. A credit market company as at the date of entry into force of the law has the right to
carry on business pursuant to lagen (1963:76) if the credit company, the
still be included in the circle of undertakings referred to in paragraph 1.
1994:1397
This law shall enter into force on 1 January 1995. Decisions that have
granted prior to the entry into force may be appealed according to older provisions.
1997:556
1. This law shall enter into force on 1 July 1997.
2. Regulations that have been issued by the Swedish Data Inspection Board with support
of older provisions also apply after entry into force, if
Save as otherwise decided by the supervisory authority.
3. the undertakings referred to in paragraph 3 of the second paragraph 1, 2, 4 or 5, and
as at the date of entry into force of the law engaging in credit data-
activities may continue with the business, if the company in
two months from the date of entry into force of the law reports to
The Swedish data inspection Board that it intends to continue to pursue
the business.
4. The provision in section 6, second subparagraph, second sentence, applies also to
in the case of evidence that someone has been the subject of
measures under the Act (1967:940) regarding concerns about some
mentally retarded or lagen (1985:568) on special
cares about the mentally retarded and others.
5. the requirement in paragraph 11 shall apply from
1 October 1997.
1998:380
This law shall enter into force on 1 October 1998. In the case of
appeals against decisions handed down prior to the entry into force
older provisions.
2001:164
1. This law shall enter into force on 1 June 2001.
2. Instead of paragraph 5 apply 5 of its older
amended with regard to the processing of personal data for
the 9 § the Swedish personal data Act (1998:204) according to
transitional provisions to the Act does not apply.
2006:747
1. This law shall enter into force on 1 January 2007.
2. For information on debt settlement relating to the decisions announced
under the debt relief Act (1994:334), the older
provisions.
2010:1073
1. This law shall enter into force on 1 January 2011.
2. in the case of rectification or completion of a task in a
credit report submitted before the date of entry into force applicable section 12
in its older version.
