The Credit Consent Form is a crucial document in Pakistan's financial services sector, required whenever a financial institution needs to access, collect, or share an individual's or entity's credit information. This document, mandated by the State Bank of Pakistan and governed by the Credit Bureaus Act, 2015, serves as formal authorization for credit information processing. The form typically includes comprehensive details about the scope of consent, data handling practices, and consumer rights. It's essential for various credit-related activities, from loan applications to credit card issuance, and must be obtained before any credit information can be accessed or shared with credit bureaus. The document ensures transparency in credit information handling while protecting both the financial institution and the consumer under Pakistani law.
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1. Credit Information Provider Details: Details of the bank, financial institution, or credit provider requesting consent
2. Consumer Information: Personal details of the consumer including full name, CNIC number, address, and contact information
3. Purpose of Consent: Clear statement of why the credit information is being collected and how it will be used
4. Scope of Authorization: Detailed description of what information will be collected, shared, and accessed
5. Duration of Consent: Specification of how long the consent remains valid
6. Rights of the Consumer: Statement of the consumer's rights regarding their credit information, including access and correction rights
7. Information Sharing Disclosure: Details about which parties the information may be shared with
8. Data Protection Measures: Overview of how the collected information will be protected
9. Declaration and Signature: Final declaration statement and space for consumer signature and date
1. Electronic Communications Consent: Additional consent for receiving electronic communications and notifications, required if electronic updates will be sent
2. Joint Applicant Details: Section for joint applicant information and consent, needed when credit facility involves multiple parties
3. Previous Credit History Declaration: Optional section for declaring existing credit facilities and history, used for comprehensive credit assessment
4. Language Declaration: Statement confirming that the form has been explained in a language understood by the consumer, important in regions where multiple languages are common
5. Witness Details: Space for witness information and signatures, may be required by some institutions for additional verification
1. Schedule A - Types of Credit Information: Detailed list of all types of credit information that may be collected and processed
2. Schedule B - Authorized Credit Bureaus: List of credit bureaus and agencies with whom information may be shared
3. Schedule C - Consumer Rights Summary: Detailed explanation of consumer rights under relevant Pakistani laws
4. Appendix 1 - Privacy Policy Summary: Summary of the institution's privacy policy regarding credit information
5. Appendix 2 - Dispute Resolution Procedure: Step-by-step process for raising and resolving disputes regarding credit information
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