OBS_VALUE: <ul><li><a href=https://sso.agc.gov.sg/Act/BA1970 target=_blank>Banking Act 1970(Banking Act 1970REVISED EDITION 2020, last amended 01 July 2021.)</a></li><li><a href=https://sso.agc.gov.sg/SL/MA2008-S72-2009 target=_blank>Moneylenders Rules 2009(Moneylenders Act 2008 (Act 31 of 2008)Moneylenders Rules 2009, last amended 30 September 2021. Section 12 and 12A)</a></li><li><a href=https://www.abs.org.sg/industry-guidelines/consumerbanking target=_blank>The Association of Banks in Singapore official website(Code of Consumer Banking Practice, last revised: November 2017, item 13(d))</a></li></ul>