개정「신용정보의 이용 및 보호에 관한 법률」주요 사안 검토

Abstract

Due to the recent event in January 2014 that the customer information of major 3 card companies has been mass-released occured, the Act on Use and Protection of Credit Information (hereinafter "the new revised Act") was comprehensively revised and the amendments taken into effective from September 12, 2015. The new revised Act contains quite innovative regulation contents such as reenforcement of agreement procedure on collection, use and provide of credit information, reorganization of integrated management system on credit information, insuring obligation of liability insurance, etc. On the other hand the new revised Act was focused on protection of principals of credit information, and consequently credit information company's business activities or effective use was relatively handled carelessly. I am sorry that the new revised Act was not revised in a balanced way between credit information companies and credit information proposals. In this connection, I will review the new revised Act's main contents, regulatory effectiveness, etc., find problems and suggest improvement proposals. I hope this study will be of help to the balanced development between protection of credit information proposals and sound development of credit information companies.