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Home › Indian Laws › Credit Information Companies (Regulation) Act, 2005 › Sections › Section 22 — Unauthorised access to credit information
Credit Information Companies (Regulation) Act, 2005 · Section guide

Section 22 — Unauthorised access to credit information

Reviewed by CA Nikhil Gupta · Last reviewed 18 September 2026

Chapter VIInformation privacy principles and furnishing of credit information

What this section provides

Unauthorised access to credit information is expressly prohibited within the statutory privacy architecture. Rules 23, 27 and 28 require system-integrity, user-procedure and access/use/disclosure safeguards. Access entitlement should be tied to role, purpose and auditable authentication rather than mere technical ability to query a bureau.

← Section 21 — Alteration of credit information files and credit reportsSection 23 — Offences and penalties →

Finin2min summary — explanatory text. The official Act, Rules, Regulations and notifications control if there is any difference. Educational and research resource, not legal, regulatory, tax or investment advice; verify the instrument in force on the relevant date.