| 1. | Some 30 of america ' s subprime lenders have closed their doors in the past three months
在过去的三个月中，有30家美国次优贷款的放款机构已经关门了。 |
| 2. | Lenders ' reluctance and tightening loan standards may combine to form a classic credit crunch
放款机构的不情愿以及提高贷款要求可能一起造成一次典型的信用危机。 |
| 3. | In particular , it governs the exchange of such data between lending institutions and credit reference agencies
守则特别对放款机构及信贷资料服务机构之间互相交换该等资料作出规管。 |
| 4. | A lending institution may only provide to a debt collection agency information directly relating to an individual in default for identifying and locating the individual
放款机构应只向收数公司提供与拖欠还款的个人直接有关的资料，以识辨及寻找有关个人。 |
| 5. | A lending institution that has notified a credit reference agency of a default by an individual should notify the agency promptly of any repayment in relation to the default
放款机构如已将个人的拖欠还款资料知会信贷资料服务机构，则应在接获任何还款时，立即通知有关信贷资料服务机构；及 |
| 6. | When the housing market began to slow , lenders pepped up the pace of sales by dramatically loosening credit standards , lending more against each property and cutting the need for documentation
当房产市场开始放慢脚步，放款机构通过戏剧性的放宽信用标准来刺激销售的步伐，每处房产放宽更多，却不需要证明文件。 |
| 7. | The code was issued in february this year by the privacy commissioner and a grace period of nine months was allowed for lending institutions and credit reference agencies to prepare for compliance with the code
私隐专员在本年二月发出上述守则。各放款机构及信贷资料服务机构有九个月的宽限期，以作出依从守则规定的准备。 |
| 8. | A lending institution which has considered a credit report from a credit reference agency in processing a credit application should notify the credit applicants that this has been done and how to obtain a copy of such a report
放款机构在处理信贷申请时如曾考虑信贷资料服务机构提供的信贷报告，应将有关情况及如何取得有关报告的复本告知信贷申请人； |
| 9. | Individuals who have defaulted on a credit repayment will be given at least 90 days grace period and at least 30 days of advance notice by lending institutions before their default data may be retained by a credit reference agency on a long - term basis
在个人的欠帐资料由信贷资料服务机构保留一段较长的时间前，放款机构应最少给予欠帐的个人90日宽限期及最少30日的预先通知； |
| 10. | " individuals are often unaware that their credit data may be transferred by lending institutions to credit reference agencies and that decisions on their credit application may take into account credit reports provided by these agencies
市民往往不察觉放款机构可能将他们的信贷资料移转给信贷资料服务机构，以及放款机构对他们的信贷申请作出决定时，亦会考虑该等信贷资料服机构提供的信贷报告。 |
