OBS_VALUE: Only approved members recognised by MAS may receive customer's information from a credit bureau which banks contribute data to. Currently, the MAS has granted its recognition under the Banking Act to (i) a bank or merchant bank; (ii) a card issuer, and (iii) finance companies licensed under the Finance Companies Act. See also: Credit Bureau Act 2016 (No. 27 of 2016), last amended 31 May 2021. Sections 13(2) and 27,  First Schedule: https://sso.agc.gov.sg/Act/CBA2016