The Non-Borrower Credit Authorization Form is a crucial document in Pakistan's banking and financial services sector, required when a financial institution needs to assess the creditworthiness of individuals who are not the primary applicants but are relevant to a credit decision. This might include guarantors, co-signers, or family members in joint financial arrangements. The form ensures compliance with Pakistani banking regulations, particularly the Credit Bureaus Act, 2015, and related financial laws. It contains essential information including the non-borrower's personal details, explicit authorization for credit checks, data usage declarations, and rights statements. This document is particularly important in situations involving joint accounts, family businesses, or where additional credit verification is required for risk assessment purposes.
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1. Personal Information: Non-borrower's full legal name, CNIC number, current address, and contact information
2. Purpose of Authorization: Clear statement explaining why the credit check is being requested and its relationship to the primary borrower/credit application
3. Primary Borrower Information: Details of the primary borrower and their relationship to the non-borrower
4. Credit Bureau Authorization: Specific authorization for checking credit history through authorized credit bureaus in Pakistan
5. Duration of Authorization: Validity period of the authorization and any renewal terms
6. Data Usage Declaration: How the collected information will be used, stored, and protected
7. Rights and Responsibilities: Statement of the non-borrower's rights regarding their credit information and responsibilities
8. Signature Block: Space for non-borrower's signature, date, and witness details as required by Pakistani law
1. Electronic Communication Consent: Optional section for authorizing electronic communications and notices - required if the institution offers digital services
2. Additional Authorized Parties: Optional section listing other parties authorized to receive or access the credit information - needed for complex financial arrangements
3. Specific Purpose Limitations: Optional section detailing specific limitations on the use of credit information - included for special circumstances
4. Language Declaration: Optional section confirming that the form has been explained in a language understood by the non-borrower - needed for non-English speaking signatories
1. Schedule A - Authorized Credit Bureaus: List of credit bureaus and agencies authorized to provide credit information
2. Schedule B - Required Documentation: List of supporting documents required to be submitted with the authorization form
3. Appendix 1 - Privacy Policy: Detailed privacy policy and data protection measures as per Pakistani law
4. Appendix 2 - Rights Summary: Summary of non-borrower's rights under Pakistani credit reporting laws
Relevant legal definitions
Credit Information
Credit Report
Credit Bureau
Non-Borrower
Primary Borrower
Financial Institution
Authorization Period
Credit Score
Personal Information
Authorized Credit Bureau
Credit History
State Bank of Pakistan
Confidential Information
Electronic Communication
Credit Assessment
Banking Day
Credit Information Company
Data Protection Laws
Material Information
Authorized Representative
Credit Facility
Valid Identification
Consent Period
Financial Records
Credit Report
Credit Bureau
Non-Borrower
Primary Borrower
Financial Institution
Authorization Period
Credit Score
Personal Information
Authorized Credit Bureau
Credit History
State Bank of Pakistan
Confidential Information
Electronic Communication
Credit Assessment
Banking Day
Credit Information Company
Data Protection Laws
Material Information
Authorized Representative
Credit Facility
Valid Identification
Consent Period
Financial Records
Clauses
Authorization
Consent
Data Protection
Privacy
Information Access
Duration
Representations and Warranties
Rights and Obligations
Confidentiality
Electronic Communications
Documentation Requirements
Regulatory Compliance
Termination
Amendments
Governing Law
Dispute Resolution
Liability
Information Accuracy
Record Retention
Notices
Consent
Data Protection
Privacy
Information Access
Duration
Representations and Warranties
Rights and Obligations
Confidentiality
Electronic Communications
Documentation Requirements
Regulatory Compliance
Termination
Amendments
Governing Law
Dispute Resolution
Liability
Information Accuracy
Record Retention
Notices
Relevant Industries
Banking
Financial Services
Credit Services
Mortgage Services
Consumer Lending
Corporate Banking
Microfinance
Islamic Banking
Commercial Banking
Retail Banking
Relevant Teams
Legal
Compliance
Credit Assessment
Risk Management
Customer Service
Operations
Documentation
Underwriting
Front Office
KYC Operations
Relevant Roles
Credit Officer
Loan Officer
Compliance Manager
Risk Assessment Officer
Banking Operations Manager
Customer Service Representative
Legal Counsel
Documentation Specialist
Credit Analyst
Relationship Manager
Branch Manager
Underwriter
Risk Manager
KYC Officer
Banking Documentation Officer
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