15. (1) A credit information provider may make an application to access information held on the Register which relates to a person who—

(a) has made to the credit information provider a credit application that is not a relevant credit application, or

(b) is proposing to give a guarantee or indemnity in connection with a credit application made to the credit information provider.

(2) A credit information provider may make an application to access any information held on the Register which relates to a person who is a credit information subject in relation to a credit agreement made with the credit information provider if that person, or any other person who is a credit information subject in relation to the credit agreement—

(a) has requested the credit information provider to change the nature or term of the credit agreement or a guarantee or indemnity given in connection with the credit agreement or has requested any other credit information provider to change the nature or term of any other credit agreement or a guarantee or indemnity given in connection with any other credit agreement, or

(b) has failed to comply with any obligation under the credit agreement or any other credit agreement made with any other credit information provider or a guarantee or indemnity given in connection with the credit agreement or any other such credit agreement and that failure has not been corrected.

(3) A credit information provider may make an application to access any information held on the Register which relates to the credit agreements made by the credit information provider.

(4) Information accessed as the result of an application under subsection (1), (2) or (3) may be used by the credit information provider only for a purpose specified in section 16.

(5) A credit information subject may make an application to access information held on the Register which relates to the credit information subject.

(6) Any person may make an application to access information held on the Register which relates to a credit information subject with the consent of the credit information subject.

(7) The Bank may use any information held on the Register in the performance of any of its functions.