Regulations Governing Institutions Engaging In Credit Card Business Article 29
When a credit card business institution sells its non-performing credit card loans to an asset management company, it shall handle the sales pursuant to the following provisions in addition to compliance with the Directions for Disposal of Non-performing Loans by Financial Institutions:1. The credit card business institution shall look into and confirm that the collection standards of collection agency are consistent with its own standards.2. The credit card business institution shall establish internal control and audit systems in place to effectively regulate and audit the collection activities of collection agency and shall assume responsibility for the improper collection practices of the collection agency.3. The public auction of non-performing credit card loans shall be carried out pursuant to the operating procedures stipulated by the Competent Authority.4. After the sale of a non-performing credit card loan, the credit card business institution shall notify the cardholder of the sale in writing or by electronic document, informing the cardholder of the name of the asset management company, the amount of debt transferred, as well as its complaint hotline.5. If a credit card business institution learns through customer complaints or other channels that the asset management company resorts to violence, coercion, intimidation, verbal abuse, harassment, misleading or deceptive representation, disclosure of personal information or other illegal practice, and finds the evidence of the act in question to be true, the credit card business institution shall promptly terminate the sales agreement with such company and buy back the non-performing credit card loans and demand penalty from the asset management company.6. A credit card business institution shall forward relevant information under the preceding subparagraph to the law enforcement agency for investigation, and file the same information with JCIC. In addition, no credit card business institutions may sell their non-performing loans to such an asset management company.7. Other provisions as stipulated by the Competent Authority.
中文原文 信用卡業務機構管理辦法第29條
信用卡業務機構出售信用卡不良債權予資產管理公司時，除符合金融機構出售不良債權應注意事項規定外，應依下列規定辦理：
一、應查證辦理催收作業者之催收標準與信用卡業務機構一致。
二、應建立內部控制及稽核制度，有效規範及查核各該催收行為，並承擔催收機構不當催收行為之責任。
三、公開標售不良債權應依據主管機關規定之作業程序辦理。
四、出售後，應以書面或電子文件通知債務人，告知受讓債權之公司名稱、債權金額、信用卡業務機構之檢舉電話。
五、經民眾申訴或其他管道得知資產管理公司涉及暴力、脅迫、恐嚇、辱罵、騷擾、誤導、欺瞞或洩漏個人資料等非法行為時，信用卡業務機構經查證屬實，應立即與該公司解約，且向該公司買回不良債權及請求違約金。
六、信用卡業務機構應將前款相關資料移送檢調單位偵辦，及送聯徵中心建檔，且各信用卡業務機構之不良債權不得再出售予該資產管理公司。
七、其他經主管機關規定之事項。
一、應查證辦理催收作業者之催收標準與信用卡業務機構一致。
二、應建立內部控制及稽核制度，有效規範及查核各該催收行為，並承擔催收機構不當催收行為之責任。
三、公開標售不良債權應依據主管機關規定之作業程序辦理。
四、出售後，應以書面或電子文件通知債務人，告知受讓債權之公司名稱、債權金額、信用卡業務機構之檢舉電話。
五、經民眾申訴或其他管道得知資產管理公司涉及暴力、脅迫、恐嚇、辱罵、騷擾、誤導、欺瞞或洩漏個人資料等非法行為時，信用卡業務機構經查證屬實，應立即與該公司解約，且向該公司買回不良債權及請求違約金。
六、信用卡業務機構應將前款相關資料移送檢調單位偵辦，及送聯徵中心建檔，且各信用卡業務機構之不良債權不得再出售予該資產管理公司。
七、其他經主管機關規定之事項。