(28)To assess the credit status of a consumer, the creditor should also consult relevant databases; the legal and actual circumstances may require that such consultations vary in scope. To prevent any distortion of competition among creditors, it should be ensured that creditors have access to private or public databases concerning consumers in a Member State where they are not established under non-discriminatory conditions compared with creditors in that Member State.
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New version applies from 05/12/2011 — introduced by Commission Directive 2011/90/EU.
52 provisions change.
Later versions: 20/03/2014, 01/01/2018, 26/07/2019, 30/12/2023.
Recital 28 changes in this version: compare with the current text.