{
  "url": "https://openlegislation.uk/draft-small-and-medium-sized-business-credit-information-regulations-2015/regulation-5",
  "json_url": "https://openlegislation.uk/draft-small-and-medium-sized-business-credit-information-regulations-2015/regulation-5.json",
  "legislation": "ukdsi/2015/9780111138861",
  "legislation_title": "The Small and Medium Sized Business (Credit Information) Regulations 2015",
  "legislation_url": "https://openlegislation.uk/draft-small-and-medium-sized-business-credit-information-regulations-2015",
  "path": "regulation/5",
  "kind": "regulation",
  "number": "5",
  "heading": "Agreement by customers of banks",
  "text": "(1) For the purposes of regulation 3(2) and (5)(c)—\n(a) agreement may be indicated by inclusion in the terms on which a designated bank provides services to a customer of a term under which the customer agrees to the provision of information about the customer to credit reference agencies (including such a term included by way of a variation);\n(b) agreement may relate to the provision of information about the customer to credit reference agencies generally; and\n(c) agreement may be indicated by a term in a contract between the bank and its customer which predates the date of any request made under regulation 3(1)(a).\n(2) Where a designated bank starts to provide a service referred to in the Schedule to a customer on or after the date on which these Regulations come into force, the bank must include in the standard terms on which it provides the service a term indicating the customer’s agreement to the provision of information relating to that service under regulation 3(1).",
  "extent": null,
  "status": null,
  "version": "current",
  "annotations": [],
  "outstanding_effects": [],
  "provenance": {
    "source": "legislation.gov.uk",
    "source_url": "https://www.legislation.gov.uk/ukdsi/2015/9780111138861/regulation/5",
    "retrieved_at": "2026-10-30T15:09:20.633733+00:00"
  },
  "licence": "Open Government Licence v3.0",
  "licence_url": "https://www.nationalarchives.gov.uk/doc/open-government-licence/version/3/",
  "attribution": "Contains public sector information licensed under the Open Government Licence v3.0. Source: legislation.gov.uk, The National Archives."
}