التنظيم القانوني لشركات الاستعلام الائتماني وفقاً لقانون المعلومات الائتمانية الأردني رقم 15 لسنة 2010 : دراسة مقارنة

الملخص EN

The research dealt with what credit information companies are, and the legal control over them by the Central Bank, and the obligations imposed by the Jordanian Credit Information Law on them when they practice their work, and the civil liability of these companies in the event that they violate the legal or customary obligations imposed on them.

The research problem lies in knowing the position of the Jordanian legislator towards organizing credit information companies, and determining the legal disputes that result from the work of credit information companies.

It has become evident to us that it is not permissible for credit information companies to exchange credit information or issue a credit report except after obtaining a written permission from the customer, and that they must maintain the confidentiality and security of customer information and data, and ensure the correctness of credit information before circulation, and take into account the person’s vigilant, attentive behavior according to what the profession rules impose upon them when carrying out their work.

The research, inter alia, recommends issuing laws that prohibit credit information companies from giving their own opinion on the credit information included in the credit information report, and that the credit report includes judicial rulings related to the customer’s personal reputation and health state.