After section 36F of the 1974 Act (inserted by section 50 of this Act) insert:
36G Data Sharing
(1) In this section—
'authorised person' means a consumer credit business, or consumer hire business, or an ancillary credit business or any person acting on behalf of any such business.
'credit reference agency' means any person within the meaning of section 145(8) and who holds a licence in respect of such activities under Part III of this Act.
all reference to 'debtor' shall include a reference to hirer and all references to credit shall include a reference to hire.
(2) Any authorised person may, provided the conditions in subsection (3) below are satisfied, disclose to a credit reference agency, and the authorised person and credit reference agency may use, any information relating to the credit history or financial standing of any debtor of the authorised person, for the purposes referred to in subsection (4) below, notwithstanding any enactment or rule of law prohibiting or restricting the disclosure or use of, or authorising the withholding of, such information.
(3) The conditions referred to in subsection (2) above are that—
(a) the authorised person has notified the debtor that it may disclose the debtor's information under this section; and
(b) the debtor has not, within 28 days of the date of notification, informed the authorised person in writing that he objects to such disclosure of his information.
(4) For the purposes of subsection (2) above, the permitted purposes are—
(a) vetting applications for credit or applications that can result in the giving of credit or giving of any guarantee, indemnity, or assurance in relation to the giving of credit;
(b) verifying the identity of the debtor or any applicant for credit, for the purpose of or in connection with an application for credit, or for any other purpose relevant to the financial standing of the debtor, including the prevention of money laundering;
(c) managing credit accounts including debt tracing and recovery;
(d) preventing, detecting or apprehending crime, and for the enforcement of criminal law whether in England and Wales or elsewhere including the tracing and recovery of any sanctions imposed thereunder;
(e) statistical analysis of credit risk assessment in a case where no individual is referred to by name or necessary implication;
(f) any other purpose to which the debtor subsequently consents; and
(g) any other purpose specified in an Order made by the Secretary of State for the purpose of this subsection (4).
(5) In this section—
'application for credit' includes an application to refinance or reschedule an existing credit agreement;
'credit reference services' means the furnishing of persons with information relevant to financial standing of individuals, which is information collected by the person furnishing the purpose of so furnishing it.".'.—[Norman Lamb.]
I beg to move, That the clause be read a Second time.
The House divided: Ayes 106, Noes 234.
Debate in Parliament | Source |
MPs
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Name | Constituency | Party | Vote |
Nick Ainger | Carmarthen West and South Pembrokeshire | Lab (minister) | no |
Bob Ainsworth | Coventry North East | Lab (minister) | no |
Peter Ainsworth | East Surrey | Con (front bench) | aye |
Sir David Amess | Southend West | Con (front bench) | aye |
Michael Ancram | Devizes | Con (front bench) | aye |
David Anderson | Blaydon | Lab (minister) | no |
Janet Anderson | Rossendale and Darwen | Lab (minister) | no |
James Arbuthnot | North East Hampshire | Con (front bench) | aye |
Hilary Armstrong | North West Durham | Lab (minister) | no |
Charlotte Atkins | Staffordshire Moorlands | Lab (minister) | no |
Peter Atkinson | Hexham | Con (front bench) | aye |
Ian Austin | Dudley North | Lab | no |
Richard Bacon | South Norfolk | Con (front bench) | aye |
Adrian Bailey | West Bromwich West | Lab | no |
Vera Baird | Redcar | Lab | no |
Edward Balls | Normanton | Lab | no |
Gordon Banks | Ochil and South Perthshire | Lab (minister) | no |
John Baron | Billericay | Con (front bench) | aye |
John Barrett | Edinburgh West | LDem (front bench) | aye |
Kevin Barron | Rother Valley | Lab (minister) | no |
Hugh Bayley | City of York | Lab (minister) | no |
Henry Bellingham | North West Norfolk | Con (front bench) | aye |
Joe Benton | Bootle | Lab (minister) | no |
Roger Berry | Kingswood | Lab (minister) | no |
Clive Betts | Sheffield, Attercliffe | Lab (minister) | no |
Liz Blackman | Erewash | Lab (minister) | no |
Roberta Blackman-Woods | City of Durham | Lab (minister) | no |
Hazel Blears | Salford | Lab (minister) | no |
David Borrow | South Ribble | Lab (minister) | no |
Tim Boswell | Daventry | Con (front bench) | aye |
Peter Bottomley | Worthing West | Con (front bench) | aye |
Ben Bradshaw | Exeter | Lab (minister) | no |
Tom Brake | Carshalton and Wallington | LDem (front bench) | aye |
Julian Brazier | Canterbury | Con (front bench) | aye |
Kevin Brennan | Cardiff West | Lab (minister) | no |
James Brokenshire | Hornchurch | Con | aye |
Lyn Brown | West Ham | Lab | no |
Nick Brown | Newcastle upon Tyne East and Wallsend | Lab | no |
Chris Bryant | Rhondda | Lab | no |
Richard Burden | Birmingham, Northfield | Lab (minister) | no |
Andy Burnham | Leigh | Lab (minister) | no |
Dawn Butler | Brent South | Lab (minister) | no |
Liam Byrne | Birmingham, Hodge Hill | Lab (minister) | no |
Richard Caborn | Sheffield Central | Lab (minister) | no |
David Cairns | Inverclyde | Lab (minister) | no |
Alistair Carmichael | Orkney and Shetland | LDem (front bench) | aye |
Bill Cash | Stone | Con (front bench) | aye |
Martin Caton | Gower | Lab (minister) | no |
Ian Cawsey | Brigg and Goole | Lab (minister) | no |
Ben Chapman | Wirral South | Lab (minister) | no |
Katy Clark | North Ayrshire and Arran | Lab (minister) | no |
Paul Clark | Gillingham | Lab | no |
Tom Clarke | Coatbridge, Chryston and Bellshill | Lab | no |
David Clelland | Tyne Bridge | Lab (minister) | no |
Geoffrey Clifton-Brown | Cotswold | Con (front bench) | aye |
Ann Clwyd | Cynon Valley | Lab (minister) | no |
Vernon Coaker | Gedling | Lab (minister) | no |
Frank Cook | Stockton North | Lab | no |
Robin Cook | Livingston | Lab | no |
Rosie Cooper | West Lancashire | Lab (minister) | no |
Jim Cousins | Newcastle upon Tyne Central | Lab (minister) | no |
Stephen Crabb | Preseli Pembrokeshire | Con | aye |
David Crausby | Bolton North East | Lab (minister) | no |
Mary Creagh | Wakefield | Lab (minister) | no |
Ann Cryer | Keighley | Lab (minister) | no |
Jim Cunningham | Coventry South | Lab (minister) | no |
Tony Cunningham | Workington | Lab (minister) | no |
Edward Davey | Kingston and Surbiton | LDem (front bench) | aye |
Ian Davidson | Glasgow South West | Lab (minister) | no |
Janet Dean | Burton | Lab (minister) | no |
John Denham | Southampton, Itchen | Lab (minister) | no |
Parmjit Dhanda | Gloucester | Lab (minister) | no |
Jonathan Djanogly | Huntingdon | Con (front bench) | aye |
Nigel Dodds | Belfast North | DUP (front bench) | aye |
Jeffrey M. Donaldson | Lagan Valley | DUP (front bench) | aye |
Brian H Donohoe | Central Ayrshire | Lab (minister) | no |
Nadine Dorries | Mid Bedfordshire | Con (front bench) | aye |
David Drew | Stroud | Lab (minister) | no |
Alan Duncan | Rutland and Melton | Con (front bench) | aye |
Mark Durkan | Foyle | SDLP (front bench) | no |
Angela Eagle | Wallasey | Lab (minister) | no |
Clive Efford | Eltham | Lab (minister) | no |
Louise Ellman | Liverpool, Riverside | Lab (minister) | no |
Tobias Ellwood | Bournemouth East | Con (front bench) | aye |
Jeff Ennis | Barnsley East and Mexborough | Lab (minister) | no |
David Evennett | Bexleyheath and Crayford | Con (front bench) | aye |
Michael Fabricant | Lichfield | Con (front bench) | aye |
Paul Farrelly | Newcastle-under-Lyme | Lab (minister) | no |
Lynne Featherstone | Hornsey and Wood Green | LDem (front bench) | aye |
Frank Field | Birkenhead | Lab (minister) | no |
Mark Fisher | Stoke-on-Trent Central | Lab | no |
Rob Flello | Stoke-on-Trent South | Lab | no |
Caroline Flint | Don Valley | Lab (minister) | no |
Paul Flynn | Newport West | Lab (minister) | no |
Don Foster | Bath | LDem (front bench) | aye |
Michael Foster | Worcester | Lab | no |
Michael Jabez Foster | Hastings and Rye | Lab (minister) | no |
Hywel Francis | Aberavon | Lab (minister) | no |
Roger Gale | North Thanet | Con (front bench) | aye |
Mike Gapes | Ilford South | Lab (minister) | no |
Barry Gardiner | Brent North | Lab (minister) | no |
Edward Garnier | Harborough | Con (front bench) | aye |
Bruce George | Walsall South | Lab | no |
Ian Gibson | Norwich North | Lab | no |
Linda Gilroy | Plymouth, Sutton | Lab (minister) | no |
Paul Goggins | Wythenshawe and Sale East | Lab (minister) | no |
Helen Goodman | Bishop Auckland | Lab (minister) | no |
Paul Goodman | Wycombe | Con (front bench) | aye |
Robert Goodwill | Scarborough and Whitby | Con (front bench) | aye |
Michael Gove | Surrey Heath | Con (front bench) | aye |
James Gray | North Wiltshire | Con (front bench) | aye |
Justine Greening | Putney | Con (front bench) | aye |
John Greenway | Ryedale | Con | aye |
Dominic Grieve | Beaconsfield | Con (front bench) | aye |
Nia Griffith | Llanelli | Lab (minister) | no |
Nigel Griffiths | Edinburgh South | Lab (minister) | no |
William Hague | Richmond (Yorks) | Con | aye |
Mike Hall | Weaver Vale | Lab (minister) | no |
Patrick Hall | Bedford | Lab (minister) | no |
David Hamilton | Midlothian | Lab (minister) | no |
Stephen Hammond | Wimbledon | Con (front bench) | aye |
David Hanson | Delyn | Lab (minister) | no |
Harriet Harman | Camberwell and Peckham | Lab (minister) | no |
Mark Harper | Forest of Dean | Con (front bench) | aye |
Tom Harris | Glasgow South | Lab | no |
Nick Harvey | North Devon | LDem (front bench) | aye |
Dai Havard | Merthyr Tydfil and Rhymney | Lab (minister) | no |
John Healey | Wentworth | Lab (minister) | no |
David Heath | Somerton and Frome | LDem (front bench) | aye |
David Heathcoat-Amory | Wells | Con (front bench) | aye |
Doug Henderson | Newcastle upon Tyne North | Lab | no |
Mark Hendrick | Preston | Lab | no |
Charles Hendry | Wealden | Con (front bench) | aye |
John Heppell | Nottingham East | Lab (minister) | no |
Nick Herbert | Arundel and South Downs | Con (front bench) | aye |
Stephen Hesford | Wirral West | Lab | no |
David Heyes | Ashton-under-Lyne | Lab (minister) | no |
Keith Hill | Streatham | Lab | no |
Meg Hillier | Hackney South and Shoreditch | Lab (minister) | no |
Mark Hoban | Fareham | Con | aye |
Sharon Hodgson | Gateshead East and Washington West | Lab (minister) | no |
Kate Hoey | Vauxhall | Lab (minister) | no |
Philip Hollobone | Kettering | Con | aye |
Adam Holloway | Gravesham | Con | aye |
Jimmy Hood | Lanark and Hamilton East | Lab (minister) | no |
Phil Hope | Corby | Lab (minister) | no |
Kelvin Hopkins | Luton North | Lab (minister) | no |
Stewart Hosie | Dundee East | SNP (front bench) | aye |
George Howarth | Knowsley North and Sefton East | Lab | no |
Lindsay Hoyle | Chorley | Lab (minister) | no |
Joan Humble | Blackpool North and Fleetwood | Lab (minister) | no |
Jeremy Hunt | South West Surrey | Con (front bench) | aye |
Nick Hurd | Ruislip - Northwood | Con (front bench) | aye |
Brian Iddon | Bolton South East | Lab | no |
Eric Illsley | Barnsley Central | Lab (minister) | no |
Huw Irranca-Davies | Ogmore | Lab | no |
Glenda Jackson | Hampstead and Highgate | Lab | no |
Stewart Jackson | Peterborough | Con (front bench) | aye |
Siân James | Swansea East | Lab (minister) | no |
Brian Jenkins | Tamworth | Lab (minister) | no |
Alan Johnson | Kingston upon Hull West and Hessle | Lab (minister) | no |
Diana R. Johnson | Kingston upon Hull North | Lab (minister) | no |
David Jones | Clwyd West | Con | aye |
Kevan Jones | North Durham | Lab (minister) | no |
Martyn Jones | Clwyd South | Lab | no |
Eric Joyce | Falkirk | Lab | no |
Gerald Kaufman | Manchester, Gorton | Lab (minister) | no |
Sally Keeble | Northampton North | Lab (minister) | no |
Barbara Keeley | Worsley | Lab | no |
Alan Keen | Feltham and Heston | Lab (minister) | no |
Ruth Kelly | Bolton West | Lab (minister) | no |
Fraser Kemp | Houghton and Washington East | Lab | no |
Charles Kennedy | Ross, Skye and Lochaber | LDem (front bench) | aye |
Jane Kennedy | Liverpool, Wavertree | Lab (minister) | no |
Piara S Khabra | Ealing, Southall | Lab (minister) | no |
Sadiq Khan | Tooting | Lab (minister) | no |
David Kidney | Stafford | Lab (minister) | no |
Jim Knight | South Dorset | Lab (minister) | no |
Ashok Kumar | Middlesbrough South and East Cleveland | Lab | no |
Stephen Ladyman | South Thanet | Lab (minister) | no |
Norman Lamb | North Norfolk | LDem (front bench) | aye |
Mark Lancaster | North East Milton Keynes | Con (front bench) | aye |
Andrew Lansley | South Cambridgeshire | Con (front bench) | aye |
Mark Lazarowicz | Edinburgh North and Leith | Lab | no |
David Lepper | Brighton, Pavilion | Lab (minister) | no |
Oliver Letwin | West Dorset | Con (front bench) | aye |
Julian Lewis | New Forest East | Con (front bench) | aye |
Martin Linton | Battersea | Lab | no |
Tony Lloyd | Manchester Central | Lab | no |
Elfyn Llwyd | Meirionnydd Nant Conwy | PC (front bench) | aye |
Andrew Love | Edmonton | Lab (minister) | no |
Ian Lucas | Wrexham | Lab | no |
John MacDougall | Glenrothes | Lab (minister) | no |
Andrew MacKinlay | Thurrock | Lab (minister) | no |
Fiona Mactaggart | Slough | Lab (minister) | no |
Anne Main | St Albans | Con (front bench) | aye |
Judy Mallaber | Amber Valley | Lab (minister) | no |
John Mann | Bassetlaw | Lab | no |
John Maples | Stratford-on-Avon | Con (front bench) | aye |
Rob Marris | Wolverhampton South West | Lab (minister) | no |
Gordon Marsden | Blackpool South | Lab (minister) | no |
David Marshall | Glasgow East | Lab | no |
Eric Martlew | Carlisle | Lab (minister) | no |
Thomas McAvoy | Rutherglen and Hamilton West | Lab (minister) | no |
Chris McCafferty | Calder Valley | Lab | no |
Kerry McCarthy | Bristol East | Lab (minister) | no |
Sarah McCarthy-Fry | Portsmouth North | Lab (minister) | no |
Ian McCartney | Makerfield | Lab (minister) | no |
Siobhain McDonagh | Mitcham and Morden | Lab | no |
Pat McFadden | Wolverhampton South East | Lab | no |
John McFall | West Dunbartonshire | Lab (minister) | no |
Jim McGovern | Dundee West | Lab (minister) | no |
Shona McIsaac | Cleethorpes | Lab | no |
Ann McKechin | Glasgow North | Lab (minister) | no |
Rosemary McKenna | Cumbernauld, Kilsyth and Kirkintilloch East | Lab (minister) | no |
Tony McNulty | Harrow East | Lab (minister) | no |
Alan Meale | Mansfield | Lab | no |
Patrick Mercer | Newark | Con (front bench) | aye |
Gillian Merron | Lincoln | Lab (minister) | no |
Alun Michael | Cardiff South and Penarth | Lab (minister) | no |
Ed Miliband | Doncaster North | Lab | no |
Maria Miller | Basingstoke | Con (front bench) | aye |
Anne Milton | Guildford | Con (front bench) | aye |
Anne Moffat | East Lothian | Lab (minister) | no |
Laura Moffatt | Crawley | Lab | no |
Chris Mole | Ipswich | Lab | no |
Madeleine Moon | Bridgend | Lab (minister) | no |
Jessica Morden | Newport East | Lab | no |
Julie Morgan | Cardiff North | Lab (minister) | no |
Kali Mountford | Colne Valley | Lab | no |
George Mudie | Leeds East | Lab (minister) | no |
Jim Murphy | East Renfrewshire | Lab (minister) | no |
Paul Murphy | Torfaen | Lab (minister) | no |
Andrew Murrison | Westbury | Con (front bench) | aye |
Doug Naysmith | Bristol North West | Lab (minister) | no |
Brooks Newmark | Braintree | Con | aye |
Dan Norris | Wansdyke | Lab (minister) | no |
Mike O'Brien | North Warwickshire | Lab (minister) | no |
Stephen O'Brien | Eddisbury | Con (front bench) | aye |
Edward O'Hara | Knowsley South | Lab | no |
Bill Olner | Nuneaton | Lab (minister) | no |
Sandra Osborne | Ayr, Carrick and Cumnock | Lab (minister) | no |
Richard Ottaway | Croydon South | Con (front bench) | aye |
Albert Owen | Ynys Môn | Lab (minister) | no |
Nick Palmer | Broxtowe | Lab | no |
Ian Pearson | Dudley South | Lab (minister) | no |
Mike Penning | Hemel Hempstead | Con (front bench) | aye |
James Plaskitt | Warwick and Leamington | Lab (minister) | no |
Greg Pope | Hyndburn | Lab (minister) | no |
Bridget Prentice | Lewisham East | Lab (minister) | no |
Gordon Prentice | Pendle | Lab (minister) | no |
Adam Price | Carmarthen East and Dinefwr | PC (front bench) | aye |
Mark Prisk | Hertford and Stortford | Con (front bench) | aye |
Mark Pritchard | The Wrekin | Con (front bench) | aye |
Gwyn Prosser | Dover | Lab (minister) | no |
Ken Purchase | Wolverhampton North East | Lab (minister) | no |
James Purnell | Stalybridge and Hyde | Lab (minister) | no |
John Randall | Uxbridge | Con (front bench) | aye |
Alan Reid | Argyll and Bute | LDem (front bench) | aye |
Andrew Robathan | Blaby | Con (front bench) | aye |
Angus Robertson | Moray | SNP (front bench) | aye |
Hugh Robertson | Faversham and Mid Kent | Con (front bench) | aye |
John Robertson | Glasgow North West | Lab | no |
Laurence Robertson | Tewkesbury | Con (front bench) | aye |
Geoffrey Robinson | Coventry North West | Lab | no |
Iris Robinson | Strangford | DUP | aye |
Peter Robinson | Belfast East | DUP | aye |
Frank Roy | Motherwell and Wishaw | Lab (minister) | tellno |
Chris Ruane | Vale of Clwyd | Lab | no |
Joan Ruddock | Lewisham, Deptford | Lab (minister) | no |
Bob Russell | Colchester | LDem (front bench) | tellaye |
Christine Russell | City of Chester | Lab | no |
Joan Ryan | Enfield North | Lab (minister) | no |
Martin Salter | Reading West | Lab | no |
Andrew Selous | South West Bedfordshire | Con (front bench) | tellaye |
Grant Shapps | Welwyn Hatfield | Con (front bench) | aye |
Jonathan R Shaw | Chatham and Aylesford | Lab | no |
Barry Sheerman | Huddersfield | Lab (minister) | no |
Jim Sheridan | Paisley and Renfrewshire North | Lab | no |
Clare Short | Birmingham, Ladywood | whilst Lab | no |
Alan Simpson | Nottingham South | Lab | no |
Marsha Singh | Bradford West | Lab (minister) | no |
Dennis Skinner | Bolsover | Lab (minister) | no |
Andrew Slaughter | Ealing, Acton and Shepherd's Bush | Lab (minister) | no |
Andrew Smith | Oxford East | Lab | no |
Angela Smith | Basildon | Lab (minister) | no |
Angela Smith | Sheffield, Hillsborough | Lab (minister) | no |
Geraldine Smith | Morecambe and Lunesdale | Lab | no |
Jacqui Smith | Redditch | Lab (minister) | no |
Robert Smith | West Aberdeenshire and Kincardine | LDem (front bench) | aye |
Anne Snelgrove | South Swindon | Lab | no |
Peter Soulsby | Leicester South | Lab (minister) | no |
John Spellar | Warley | Lab | no |
Michael Spicer | West Worcestershire | Con (front bench) | aye |
John Stanley | Tonbridge and Malling | Con (front bench) | aye |
Phyllis Starkey | Milton Keynes South West | Lab (minister) | no |
Anthony Steen | Totnes | Con (front bench) | aye |
Howard Stoate | Dartford | Lab (minister) | no |
Gerry Sutcliffe | Bradford South | Lab (minister) | no |
Desmond Swayne | New Forest West | Con (front bench) | aye |
Hugo Swire | East Devon | Con (front bench) | aye |
Mark Tami | Alyn and Deeside | Lab | no |
Dari Taylor | Stockton South | Lab | no |
Ian Taylor | Esher and Walton | Con | aye |
Richard Taylor | Wyre Forest | Independent (front bench) | aye |
Emily Thornberry | Islington South and Finsbury | Lab (minister) | no |
Stephen Timms | East Ham | Lab (minister) | no |
Paddy Tipping | Sherwood | Lab | no |
Mark Todd | South Derbyshire | Lab (minister) | no |
Don Touhig | Islwyn | Lab (minister) | no |
Andrew Turner | Isle of Wight | Con (front bench) | aye |
Desmond Turner | Brighton, Kemptown | Lab (minister) | no |
Neil Turner | Wigan | Lab | no |
Derek Twigg | Halton | Lab (minister) | no |
Ed Vaizey | Wantage | Con | aye |
Shailesh Vara | North West Cambridgeshire | Con (front bench) | aye |
Theresa Villiers | Chipping Barnet | Con (front bench) | aye |
Rudi Vis | Finchley and Golders Green | Lab | no |
Ben Wallace | Lancaster and Wyre | Con (front bench) | aye |
Joan Walley | Stoke-on-Trent North | Lab (minister) | no |
Robert Wareing | Liverpool, West Derby | whilst Lab | no |
Nigel Waterson | Eastbourne | Con (front bench) | aye |
Tom Watson | West Bromwich East | Lab (minister) | no |
Dave Watts | St Helens North | Lab (minister) | tellno |
Alan Whitehead | Southampton, Test | Lab (minister) | no |
Malcolm Wicks | Croydon North | Lab (minister) | no |
Ann Widdecombe | Maidstone and The Weald | Con | aye |
Bill Wiggin | Leominster | Con (front bench) | aye |
David Willetts | Havant | Con (front bench) | aye |
Alan Williams | Swansea West | Lab (minister) | no |
Mark Williams | Ceredigion | LDem (front bench) | aye |
Michael Wills | North Swindon | Lab | no |
Rob Wilson | Reading East | Con (front bench) | aye |
David Winnick | Walsall North | Lab (minister) | no |
Ann Winterton | Congleton | Con | aye |
Nicholas Winterton | Macclesfield | Con (front bench) | aye |
Pete Wishart | Perth and North Perthshire | SNP (front bench) | aye |
Phil Woolas | Oldham East and Saddleworth | Lab (minister) | no |
Anthony D Wright | Great Yarmouth | Lab (minister) | no |
David Wright | Telford | Lab | no |
Iain Wright | Hartlepool | Lab | no |
Jeremy Wright | Rugby and Kenilworth | Con | aye |
Tony Wright | Cannock Chase | Lab (minister) | no |
Derek Wyatt | Sittingbourne and Sheppey | Lab | no |