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Issuance of permission to carry out credit bureau activity and act on correpondance of the credit bureau with the requirements applicable to the credit bureau on protection and provision of integrity of data bases of the credit stories used in informational systems and premises

Как получить услугу

Online

Legal entities

You can obtain a service via the Portal:

1. Click “Order Online” button, then a new window will open of e-Licensing Portal;

2. Sign in or log in on e-Licensing Portal;

3. Click “Order Service Online” button on e-Licensing Portal page;

4. Fill in the fields of request;

5. Sign a request with digital signature;

6. You can track status of request in “My applications” section of Personal Account, status on obtainment of license in “My licensing documents” section and status on obtainment of notification in “My notifications” section.

Результат оказания услуги

A letter of authorization for the right to operate a credit bureau and an act on the compliance of a credit bureau with the requirements for a credit bureau for the protection and safeguarding of a credit history database, information systems and premises used with an authorization, or a reasoned refusal to provide a public service.

Часто задаваемые вопросы

What can be the reasons for refusal to deliver a public servise?

1) the implementation of the certain activity type prohibited in accordance with the law of the Republic of Kazakhstan for this category of entities;

2) the non-compliance with the following organizational, technical measures and technological requirements:

the availability of technical and other premises for the safe placement and operation of information systems (IS), credit history database and other documents;
the use of certified equipment and software in the creation and use of IS, the placement of credit history database and protection means;
the specification in the agreements signed with the information providers and credit report recipients of the provisions on the mandatory joint implementation of the organizational, technical measures and technological requirements for the software protection for the IS creation and operation for the creation of credit history database and protection means; the presence of a backup server located outside the city the credit bureau is located for the credit history backup storage;

3) the presence of the court decision that has entered into legal force against the service recipient restricting the engaging in this activity type;

4) the non-compliance of the credit bureau with the organizational, technical measures and technological requirements for the software protection for the IS creation and operation for the creation of the credit history database and protection means, established by the Resolution of the Board of the National Bank of the Republic of Kazakhstan dated September 27, 2018 No. 228 "On approval of the Requirements for the use of information and communication technologies and ensuring information security in organizing the activities of the credit bureaus, information providers and credit report recipients that are the banks, organizations carrying out certain types of banking operations, microfinance organizations and collection agencies, as well as the Requirements of the credit bureaus for the information providers and credit report recipients in accordance with subparagraph 11) of paragraph 2 and subparagraph 9) of paragraph 3 of Article 27 of the Law of the Republic of Kazakhstan dated July 6, 2004 "On the credit bureaus and credit histories in the Republic of Kazakhstan" (registered in the Register of state registration of regulatory legal acts of the Republic of Kazakhstan on November 6 2018 under No. 17702).

Grounds for institution of an administrative procedure

appeal;
initiative of an administrative body or official.

General requirements for the appeal

The appeal submitted in hard copy or electronic form shall indicate:

Full name, IIN, postal address of a natural person, BIN of a legal entity;
name of administrative body, official to whom the appeal is submitted;
the essence of an appeal;
date of filing an appeal;
signature of the applicant or his representative;
other information provided for by legislation of the Republic of Kazakhstan.

If the administrative procedure is on a paid basis, the applicant must submit a document confirming the payment.

Receipt, registration, withdrawal and revoke of an appeal

! It is barred to reject the receipt of an appeal.

Once the appeal is submitted, the applicant is issued a receipt containing a unique number, indicating the date and time, last name and initials, and the position of the person who received the appeal.
In the case of non-compliance with the requirements established by Article 63 Code, the administrative body and the official shall indicate to the applicant the requirements the appeal does not comply with, and set a reasonable time limit for bringing it into compliance with the requirements.
Before a decision is made on the administrative case, the applicant may withdraw the appeal on the basis of his written application.

Referring the appeal to an authorized administrative body and official

An appeal received by an administrative body and official whose authority does not include the consideration of this appeal, within no later than 3 working days from the date of its receipt shall refer it to the authorized administrative body and official, with simultaneous notification of the participant in the administrative procedure.

Timeframe of administrative procedure that is under institution on the basis of an appeal

The timeframe of administrative procedure is 15 working days from the date of receipt of an appeal.

! The laws may set the other timeframe for consideration of appeals (For example, according to the Law “On Access to Information” a reply to a written enquiry is provided within fifteen calendar days from the date of receipt of the information by the owner).

The period of administrative procedure may be extended by a reasoned decision of the head of the administrative body for not more than 2 months, consistently the participant in the administrative procedure is notified within 3 working days from the date of extension.

Complaints procedure

A participant in the administrative procedure has the right to file a complaint the administrative action (inaction) related to the adoption of an administrative act.

If an administrative body and official within the timeframe has not adopted an administrative act or committed an administrative action, then commencing from the date of expiry it is considered that the administrative body and official rejected to adopt the administrative act or commit the administrative action.

The complaint is submitted to the administrative body and official whose administrative act and administrative action (inaction) is being appealed.

An appeal to the court is allowed after a pre-trial appeal. If the law provides for the possibility of going to court without the need to appeal to a higher authority, the administrative act, administrative action (inaction) of the administrative body and official is being disputed, along with the revoke, submit to the court a reasoned position of the head of the higher administrative body and official.

! The Administrative Procedure Code not always rules the procedure of complaint; the industry laws may contain statutes indicating the appeal of the decision in the court, without pre-trial appeal.

Deadline for filing a complaint

A complaint against an administrative act, administrative action (inaction) is submitted to the administrative body and official no later than 3 months from the day when the participant in the administrative procedure became aware of the adoption of the administrative act or the commitment of an administrative action (inaction).
If the deadline is missed for a good reason, at the request of the participant in the administrative procedure, it may be renewed by the body considering the complaint.
Missing the deadline for submitting the complaint is not a basis for rejection to receive the complaint by the body considering the complaint.

! Other laws may establish a special procedure and deadlines for appealing the decisions.

The period for consideration of the complaint is 5 working days from the date of receipt of the complaint.

! Other laws may establish a different period for appealing the decisions of administrative bodies.

Source: Administrative Procedural Code of Republic of Kazakhstan,
The Law of the RK "On Public services"

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Полное название

Issuance of permission to carry out credit bureau activity and act on correpondance of the credit bureau with the requirements applicable to the credit bureau on protection and provision of integrity of data bases of the credit stories used in informational systems and premises

Получатели услуги

Legal entities

Стоимость услуги

Free of charge

Срок оказания услуги

20 working days

Услугу оказывает

The Agency of the Republic of Kazakhstan for Regulation and Development of the Financial Market

Место предоставления услуги

Portal of electronic licensing

Digital Government Portal

Rules for providing state services