Regulations Governing the Business of Negotiable Instruments Exchange and Clearance of Accounts among Banks Article 17

For the purpose of conducting negotiable instruments exchange, clearinghouses and financialinstitutions that conduct checking account operations shall collect the credit information of checking account holders, and the financial institutions shall provide clearinghouses with credit information in theirpossession.Clearinghouses shall duly note changes to credit information mentioned in the preceding paragraph, and periodically provide financial institutions that conduct checking account operations with the following information of account holders with significantlyimpaired credit records:1.In case of a personal account, the name and identification card number of holder.2.In case of an account held by a business or group that is a non-juristic-person, the account name and the name and identification card number of its responsible person; and3.In case of an account held by a juristic person, the account name and the uniform business number of the company or business or the withholding uniform invoice number.Credit information referred to in Paragraph 1 hereof includes basic account opening information, information on loss reporting and stop payment, cancellation of pay order,dishonored check record (including alert accounts and frozen accounts), rejected accounts,investigation results and court decisionson committed crime associated with use of negotiable instruments, presenters, negotiable instruments exchanged, and other relevant credit information.Notwithstanding the foregoing, credit information that shall be collected by financial institutions that conduct checking account operations exclude investigation results or court decisions on committed crime associated with use of negotiable instruments.A clearinghouseshall, to the extent necessary for matching the accuracy of basic data files of nationwide checking account holders, collect household registration data pertaining to changes to the name or identification card number of personal account holders and the responsible person registration data of juristic person accounts.A clearinghouseshall make available for public inquiry dishonored check recordsand rejected transaction information of checking account holders and otherrelevantcredit information.For the collection of personal information referred to in Paragraph 1 and Paragraph 4 hereof and related information security matters, a clearinghouseshall develop a security maintenance plan to prevent the theft, alteration, destruction, loss or leakage of personal information.