First Schedule FIRST SCHEDULESupplementary
[Section 2]
DETAILS OF CREDIT INFORMATION
1. Identification information
(a) Individual:
(i) Name
(ii) Any alias or previous name
(iii) Identity Card Number or other identity number
(iv) Nationality
(v) Gender
(vi) Date of birth
(vii) Address
(viii) Occupation
(ix) Any previous occupation
(x) Employer
(xi) Any previous employer
(xii) Contact number
(b) Body corporate or unincorporate:
(i) Name
(ii) Registration Number/Licence Number/Permit Number
(iii) Date of registration/Date of establishment
(iv) Country of operation
(v) Entity type
(vi) Addresses (including principal office and branch office)
(vii) Contact number
2. Information on credit facility
(a) Information reported by the credit provider about an application for credit by a customer and information on approved credit of customer:
(i) Identity of credit provider
(ii) Date of application
(iii) Application reference number
(iv) Capacity of customer (whether as borrower or as guarantor)
(v) Amount applied
(vi) Status of application (Pending, Approved, Rejected, etc.)
(vii) Status date
(viii) Reason for rejection
(ix) Approved credit amount or credit limit
(x) Approval date
(xi) Account number
(xii) Type of credit approved
(xiii) Original tenure
(xiv) Principal repayment term
(xv) Legal action status
(xvi) Date of legal action
(xvii) Type of collateral
(xviii) Collateral value
(xix) Collateral details
(b) Credit repayment information:
(i) Amount last due
(ii) Months in arrears
(iii) Instalment in arrears
(iv) Amount of payment made during the last reporting period
(v) Remaining available credit or outstanding balance
(vi) Account status (Outstanding, Closed, Settled, Write-off, etc.)
(c) Credit enquiry information:
(i) Identity of subscriber/other person making credit enquiry
(ii) Date and time of credit enquiry
(iii) Identification of specific person making credit enquiry
(iv) Identification of customer being enquired.
Malay text (authoritative)
JADUAL PERTAMA
[Seksyen 2]
BUTIR-BUTIR MENGENAI MAKLUMAT KREDIT
1. Maklumat pengenalan.
(a) Individu:
(i) Nama
(ii) Apa-apa alias atau nama sebelumnya
(iii) Nombor Kad Pengenalan atau nombor pengenalan lain
(iv) Kerakyatan
(v) Jantina
(vi) Tarikh lahir
(vii) Alamat
(viii) Pekerjaan
(ix) Apa-apa pekerjaan sebelumnya
(x) Majikan
(xi) Mana-mana majikan sebelumnya
(xii) Nombor hubungan
(b) Pertubuhan perbadanan atau badan yang tidak diperbadankan:
(i) Nama
(ii) Nombor Pendaftaran/ Nombor Lesen/ Nombor Permit
(iii) Tarikh pendaftaran/ Tarikh penubuhan
(iv) Negara beroperasi
(v) Jenis entiti
(vi) Alamat (termasuk pejabat utama dan pejabat cawangan)
(vii) Nombor hubungan
2. Maklumat mengenai kemudahan kredit
(a) Maklumat yang dilaporkan oleh pemberi kredit mengenai suatu permohonan untuk kredit oleh seorang pelanggan dan maklumat mengenai kredit yang diluluskan bagi pelanggan:
(i) Identiti pemberi kredit
(ii) Tarikh permohonan
(iii) Nombor rujukan permohonan
(iv) Keupayaan pelanggan (sama ada sebagai peminjam atau penjamin)
(v) Amaun yang dimohon
(vi) Kedudukan permohonan (Menunggu keputusan, Diluluskan, Ditolak, dsb.)
(vii) Tarikh kedudukan
(viii) Sebab bagi penolakan
(ix) Amaun kredit atau had kredit yang diluluskan
(x) Tarikh kelulusan
(xi) Nombor akaun
(xii) Jenis kredit yang diluluskan
(xiii) Tempoh masa asal
(xiv) Tempoh pembayaran balik wang pokok
(xv) Kedudukan tindakan undang-undang
(xvi) Tarikh tindakan undang-undang
(xvii) Jenis kolateral
(xviii) Nilai kolateral
(xix) Butir-butir kolateral
(b) Maklumat mengenai pembayaran balik kredit:
(i) Amaun terakhir yang perlu dibayar
(ii) Tunggakan bulanan
(iii) Tunggakan bayaran ansuran
(iv) Amaun bayaran yang dibuat semasa tempoh pelaporan terakhir
(v) Baki kredit yang masih ada atau baki belum jelas
(vi) Kedudukan akaun (Belum dijelaskan, Tutup, Diselesaikan, Dihapuskan, dsb.)
(c) Maklumat siasatan kredit:
(i) Identiti orang yang melanggan/orang lain yang membuat siasatan kredit
(ii) Tarikh dan masa siasatan kredit
(iii) Pengenalan orang tertentu yang membuat siasatan kredit
(iv) Pengenalan pelanggan yang disiasat.
Read this section in the full act β
Find Act 710 on lom.agc.gov.my β
Text as at 1 August 2024 (LOM reprint); amendments made after that date may not be incorporated.
Source: Laws of Malaysia, Attorney General's Chambers of Malaysia (lom.agc.gov.my). Not a copy of the Gazette printed by the Government Printer (Interpretation Acts 1948 and 1967, s 61).
