Article 3. Principles of formation of credit histories and use of information The Law on Credit Bureaus and Formation of credit histories in the Republic of Kazakhstan

  The formation of credit histories and the use of information are carried out taking into account the following principles:  

     1) the consent of the subject of the credit history to the information providers specified in subitems 1), 1-1), 2) and 4) of paragraph 1 of Article 18 of this Law to provide information about him to credit bureaus (with the exception of a credit bureau with state participation) or the consent of the subject of the credit history to issue a credit report on him to others persons from the credit bureau, with the exception of the case provided for in paragraph 4 of Article 25 of this Law;

      2) equality of all subjects of credit histories;  

      3) targeted use of information, credit history database and digital system;  

      4) confidentiality of information;  

      5) ensuring the protection of the database of credit histories and related digital systems;  

      6) inviolability of the private life of citizens, protection of the rights, freedoms and legitimate interests of citizens and organizations;  

      7) the reliability and relevance of the formation of a database of credit histories.

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

The article was amended and supplemented by the Law of the Republic of Kazakhstan dated July 23, 2026, No. 352-VIII SAM. 

     This Law defines the legal, economic and organizational bases for 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.

President    

Republic of Kazakhstan     

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