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Malaysia’s Credit Reporting Agencies Act Requires Authorization Prior to Conducting Searches


Malaysia’s Credit Reporting Agencies Act went into effect on October 15th, 2014. The Credit Reporting Agencies Act has outlined new provisions that credit reporting agencies must follow in regard to obtaining credit information on companies and individuals.


The “credit information” mentioned in the Act includes criminal, civil, and bankruptcy information. Now, credit information can only be obtained with the subject’s authorization--meaning you must have the individual’s written consent. If you are performing a search on a business or company, you must have written consent from the company’s director, executive, decision-maker, etc.


The Credit Reporting Agencies Act also outlines a set of rights each individual and business has under the act, which now includes the right to access your own data, the right to correct your own data, and the right to withdraw consent.

What does this mean for you?


If you need to perform a search of information in Malaysia, we will need to have the subject’s authorization form. Without it, we cannot begin a search. The Credit Reporting Agencies Act is very similar to the Fair Credit Reporting Act (FCRA) here in the U.S. All the same precautions should be followed.

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