PeruLey 31944, limits on credit reports of private credit-risk bureaus
Ley No. 31944 (El Peruano, ) amending art. 2(e) of Ley 27489, and first final complementary provision (credit reports and employment)
A data brokers rule binding public and private bodies.
- Instrument type
- an act of a legislature
- Obligation class
- Consent, Data subject rights
- Audit expectation
- none
What it requires
- Do not put value judgments, rulings or subjective opinions about a person in a credit report, if you are a private credit-risk information bureau (CEPIR).
- Obtain a job candidate's written, unequivocal permission before you review their credit report when you recruit for a State institution or a public or private company, and do not exclude or disqualify the candidate on the strength of that report at any stage; the superintendencies of banking and securities and the entities they regulate or supervise are outside this rule.
These lines are LexLint's reading of the law's text.
What it makes you log
Logging duty
Ley 31944 limits what a credit report may contain and when an employer may review one; it creates no log or record duty.
- Kind
- None
- As of
What this law does
Ley 31944 amends article 2(e) of Ley 27489 so that a credit report issued by a private credit-risk information bureau (CEPIR) cannot contain value judgments, opinions or subjective rulings about the person it concerns.
A State institution or a public or private company recruiting for a job that wants to review a candidate's credit report must first obtain the candidate's written permission, and the report cannot be a ground for excluding or disqualifying the candidate at any stage, which the law treats as discrimination. These employment limits do not reach the banking and securities superintendencies or the entities they regulate or supervise.
When LexLint raises it
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