(1) The operator of a database used for assessing the creditworthiness of consumers shall, for the sole purpose of enabling the monitoring of consumer compliance with the credit obligations over the life of the credit agreement, ensure access to the database for all creditors from all EEA Member States; any conditions imposed with respect to such access shall be non-discriminatory.
(2) Paragraph (1) applies both to -
(a) databases which are operated by private credit bureaux or credit reference agencies; and
(b) public registers.
(3) This Regulation is without prejudice to the application of the Data Protection Act 1988.