Consumer Credit Act 2025 · Updated to 31 Dec 2025 · Part IX · Enforcement
120. Protection in relation to disclosure of information
Feedback & supportWhere a person discloses in good faith to a Regulatory and Supervisory Authority, his knowledge or belief or any document or information that a breach or contravention has been committed or is about to be committed under this Act—
person
“person” includes an individual, any sole proprietorship, corporation, statutory body, local authority, society, trade union, co-operative society, partnership and any other body, organization, association or group of persons, whether corporate or unincorporate;
such person shall not be liable for a breach of a duty of confidentiality imposed by any law, contract or rules of professional conduct;
it shall be a defence in an action, a suit, prosecution or proceeding that is brought, instituted or maintained in any court or before any other authority against the person who made the disclosure to the Regulatory and Supervisory Authority that in his belief the disclosure was necessary for the carrying into effect the provisions of this Act; or
no contractual or other rights or remedy may be enforced against the person on the basis of disclosure.
Any document or information disclosed to the Regulatory and Supervisory Authority under subsection (1) and the identity of the person making the disclosure shall be secret between the Regulatory and Supervisory Authority and the person who made the disclosure, unless the person making the disclosure consents in writing to the disclosure of his identity or such document or information by the Regulatory and Supervisory Authority.
document
“document” has the meaning assigned to it in section 3 of the Evidence Act 1950, and includes books as defined in the Companies Act 2016 and documents of title to assets;
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