Article 23. General conditions for providing information to credit bureaus Chapter 5. Providing information to credit bureaus The Law on Credit Bureaus and Formation of credit histories in the Republic of Kazakhstan

Home / RLA / Article 23. General conditions for providing information to credit bureaus Chapter 5. Providing information to credit bureaus The Law on Credit Bureaus and Formation of credit histories in the Republic of Kazakhstan

Article 23. General conditions for providing information to credit bureaus Chapter 5. Providing information to credit bureaus The Law on Credit Bureaus and Formation of credit histories in the Republic of Kazakhstan

1. The information providers specified in subitems 1), 1-1), 2) and 4) of paragraph 1 of Article 18 of this Law are required to provide information to a credit bureau with state participation, as well as, with the consent of the subject of the credit history on the basis of information agreements, to other credit bureaus, except for the case when provided for in paragraph 4 of Article 25 of this Law.

The information providers specified in subparagraph 3-1) of paragraph 1 of Article 18 of this Law are required to provide information to a credit bureau with state participation and other credit bureaus.

The conditions for the provision of information by information providers specified in parts one and two of this paragraph to credit bureaus and receipt of credit reports are determined by agreements on the provision of information and (or) receipt of credit reports concluded in accordance with the legislation of the Republic of Kazakhstan.

2. Excluded by the Law of the Republic of Kazakhstan dated December 28, 2011 No. 524-IV (effective after ten calendar days after its first official publication).

3. The Government for Citizens State Corporation, which carries out state registration of rights to immovable property, provides information to credit bureaus on the basis of information agreements concluded with them in accordance with the procedure and on the terms determined by the authorized body.

Provision of information to a credit bureau with state participation by central executive bodies and legal entities subordinate to them is carried out on the basis of an agreement concluded with it in accordance with the procedure established by the legislation of the Republic of Kazakhstan on informatization using the electronic gateway for information exchange of the authorized body in the field of informatization.

4. Information is provided by suppliers to credit bureaus in electronic form. The cases of providing information on paper are determined by the internal documents of the credit bureaus and the agreements they conclude with information providers.

5. Information providers, with the exception of information providers specified in subparagraph 3-1) of paragraph 1 of Article 18 of this Law, keep records of the consents they have received from credit history subjects to provide information about them to credit bureaus (with the exception of a credit bureau with state participation).

6. The consent of the subjects of the credit history to submit information about them to the credit bureaus on paper or in electronic form must be kept by the information provider for at least ten years from the date of the last information about them to the credit bureaus.

IZPI's note! Article 23 is provided to be supplemented by paragraph 7 in accordance with the Law of the Republic of Kazakhstan dated 30.06.2025 No. 205-VIII (effective sixty calendar days after the date of its first official publication).

7. Legal entities, on the basis of an agreement concluded with a credit bureau, provide information about subjects of credit history that can be included in a credit report, and (or) receive analytical and (or) statistical information from the credit bureau without disclosing personal data, as well as in accordance with the requirements established by the legislation of the Republic of Kazakhstan.

The Law of the Republic of Kazakhstan dated July 6, 2004 No. 573.

This Law defines the legal, economic and organizational foundations of the formation of credit histories in the Republic of Kazakhstan, the legal status of participants in the system of formation of credit histories and their use, regulates public relations related to the creation, implementation and termination of activities of credit bureaus, the specifics of state regulation, control and supervision in this area.

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