Shandong Provincial Social Credit Regulations

Table of Contents

Chapter I: General Provisions

Chapter II: Collection and Aggregation of Social Credit Information

Chapter III: Disclosure of Social Credit Information

Chapter IV: Rewards for Trustworthiness and Penalties for Untrustworthiness

Chapter V: Protection of Credit Subjects Rights and Interests

Chapter VI: Regulating the Development of the Credit Services Industry

Chapter VII: Establishment of a Credit Environment

Chapter VIII: Legal Responsibility

Chapter IX: Supplementary Provisions

Chapter I: General Provisions

Article 1: These Regulations are formulated on the basis of relevant laws, and administrative regulations, and in consideration of actual conditions in this province, so as to regulate the management of Social Credit Information, advance the establishment of the social credit system, innovate methods of social governance, improve longterm effective mechanisms for creditworthiness, and increase the entire society's awareness of creditworthiness and levels of credit.

Article 2: These Regulations apply to activities in this province's administrative region such as the collection, aggregation, and disclosure of Social Credit Information; credit rewards and punishments; the protection of credit subjects' rights and interests; and the regulated development of the credit services industry.

“Social Credit” as used in these Regulations refers to the state of natural persons', legal persons', or unincorporated organizations' (hereinafter collectively called 'Credit Subjects') performance of legally-prescribed and contractual obligations.

Article 3: Social credit work shall adhere to the principles of being lead by the government and established together with society, information sharing, and combining rewards and punishments.

Article 4: People's governments at the county level or above shall strengthen the leadership of social credit work, and place the establishment of a social credit system within the Citizens' economic and social development plan, ensure expenses for the work, and do the overall work of promoting the establishment of a social credit system within their administrative region.

Article 5: The development and reform departments of people's governments at the county level or above are responsible for the comprehensive coordination, oversight, and management of social credit work within that administrative region.

Relevant departments and units for people's governments at the county level or above such as for market administration, finance, public security, human resources and social security, housing and urban/rural construction, people's courts, and people's procuratorates, shall complete efforts on social credit in accordance with their respective duties.

Article 6: Activities such as the collection, aggregation, and disclosure of Social Credit Information, and credit rewards and punishments shall comply with the principles of legality, objectivity, relevance, and appropriateness; shall ensure information security, and must not leak state secrets endangering national security nor violate commercial secrecy, personal privacy.

Article 7: Encourage and support all aspects of society's participation in the establishment of social credit, increasing awareness of legal compliance and performance on contracts, promoting a culture of creditworthiness, actively participating in education on creditworthiness and credit oversight activities, and collectively raising the entire society's level of credit.

Chapter II: Collection and Aggregation of Social Credit Information

Article 8: Social Credit Information is to be divided into Public Credit Information and Market Credit Information.

"Public Credit Information" as used in these Regulations refers to credit information produced or obtained by public credit information providing units such as state organs, organizations and mass organizations authorized by laws and regulations to have public affairs functions, and people's organization, during the lawful performance of their public affairs management duties or provision of public services.

Market Credit Information as used in these Regulations refers to credit information produced or obtained by Market Credit Information collecting units such as credit service establishments, industry associations, chambers of commerce or other units in the course of business or industry self-discipline and management activities.

Article 9: The reform and development departments for people's governments for provinces or districted-cities shall make overall plans for the establishment of a Public Credit Information platform, consolidating Public Credit Information, advancing interconnectivity, sharing, and joint use of credit information across departments, sectors, and regions.

The specific operation and maintenance of the Public Credit Information platform is the responsibility of the Public Credit Information bodies within the reform and development departments.

Article 10: Data life management is to be implemented for Public Credit Information. Public Credit Information data lists include: the information matter, the nature of the information, uniform social credit codes, data standards, method of disclosure, effective periods, the unit providing it, and other such elements.

In accordance with the relevant state provisions and based on the principles of legality, prudence, and necessity, the reform and development department of the provincial people's government, in conjunction with relevant departments, is to compile a Public Credit Information data list, and release it to the public after approval from the provincial people's government, and implement dynamic management.

In compiling the Public Credit Information data list, it shall be released to the public for solicitation of public comments. Where proposed entries into the list might reduce the rights of credit subjects or increase their obligations, or there is a larger public impact, the provincial people's government's department for reform and development shall organize an assessment in conjunction with relevant departments and hear the comments of relevant groups, experts, and others.

Article 11: Based on the requirements of the Public Credit Information data list, Public Credit information providing units are to collect and objectively record the credit subjects' Public Credit Information in accordance with law. Public Credit Information includes basic information, information on untrustworthiness, and other information.

Article 12: Information such as registrations or registry items that reflect the Credit Subjects' basic circumstances in public administration and services and administrative licenses shall be entered in credit subjects' credit records as basic information.

Article 13: The following information shall be entered into credit subjects' credit records:

(1) refusal to pay taxes, social insurance fees, fees for administrative operations, or government funds that should be paid over in accordance with law;

(2) violations of laws and administrative regulations by the provision of false materials, concealing the true situation, harming the order of social management and the public interest;

(3) Information on judgment defaulters published by the people's courts;

(4) Information on administrative punishments or administrative compulsory measures that can reflect credit subjects' credit status;

(5) Other matters provided for in other laws, administrative regulations, or state provisions.

Information on administrative punishments made applying the simplified procedures, or information on violations that are slight, and the harmful consequences were actively eliminated or reduced is not to be entered into the Public Credit Information data list.

Article 14: The following information produced or obtained by Public Credit Information providing units during the performance of their duties shall be entered into credit subjects' credit records as other information.

(1) Information on commendations, rewards, and so forth;

(2) Information on participation in public interest or volunteer services, and so forth;

(3) Other information as provided by the State or province.

Article 15: Public Credit Information Providing Units shall follow the Public Credit Information Data List to promptly, objectively, and completely collect Public Credit Information in the corresponding industry or sector, and send it to the Public Credit Information platform through the government affairs information resources sharing and exchange platform.

The specific measures for the aggregation of Public Credit Information are to be drafted by the provincial people's government.

Article 16: Public Credit Information providing units shall establish Public Credit Information review mechanisms, verifying the collected Public Credit Information before sending it to the Public Credit Information platform, and shall bear responsibility for the veracity and accuracy of information provided.

Article 17: Market Credit Information collecting units may lawfully collect Market Credit Information in accordance with agreements with credit subjects such as members, service recipients, or businesses; but must not compel or indirectly compel credit subjects to accept information collection and must not bundle services with information collection.

Credit subjects are encouraged to provide their own Market Credit Information to the Public Credit Information platform and Market Credit Information collecting units. Credit subjects shall bear responsibility for the lawfulness, veracity, and completeness of the information they provide.

Article 18: Support Public Credit Information bodies and Market Credit Information collection units in sharing Social Credit Information in accordance with laws, administrative regulations, or agreements.

Article 19: The provincial and districted-city people's governments shall strengthen organization and coordination, using the internet, big data, artificial intelligence, and other technological means to conduct credit management, promoting the integrated development of social credit and big data, promoting interconnectivity and information sharing between the Public Credit Information platform, the government affairs services system, the enterprise credit information announcement system and other important systems.

Chapter III: Disclosure of Social Credit Information

Article 20: Public Credit Information is to be released through means such as public announcements, authorized inquiries, and public affairs sharing.

Where laws and administrative regulations provide that Public Credit Information shall be disclosed, it shall be disclosed and announced to the public on the Public Credit Information platform.

The Public Credit Information of natural persons may be disclosed through authorized inquiries and government affairs sharing, but must be made public or publicly announced, except where the state has provided otherwise.

Support Market Credit Information collecting units in disclosing the Market Credit Information they collect in accordance with laws, administrative regulations, or agreements.

Article 21: Credit subjects enjoy the right to make inquiries into their own Social Credit Information.

The Public Credit Information bodies and Public Credit Information providing units shall draft specifications for inquiries into Public Credit Information; provide convenient inquiry services to the public through websites, mobile terminals, service portals, and other channels.

Without written authorization from the credit subject, non-public Market Credit Information must not be inquired into by any unit or individual. Except as otherwise specified by laws and administrative regulations.

Article 22: As needed to perform their duties, the relevant departments of people's governments at the county level or above may make inquiries into and use Social Credit Information in the following work through the Public Credit Information platform:

(1) Carrying out administrative licensing, administrative punishment, administrative compulsions, and administrative payments;

(2) Government purchases, tendering and bidding, financial and project support, transfer of usage rights for state-owned land, verification of credentials, management of scientific research, and so on;

(3) Recruitment, appointment, and promotion of state employees, and hiring for posts;

(4) giving commendations and awards;

(5) Other management work.

State organs, organizations authorized by laws and regulations to have public affairs management duties, and people's organizations other than those provided for in the preceding paragraph may make inquiries into and use social credit information related to their management and services through the Public Credit Information platform.

Article 23: Credit subjects are encouraged to make inquiries and use Social Credit Information during activities such as market transactions, enterprise business, industry management, hiring employees, financing, and public interest activities.

Article 24: Public Credit Information bodies, Public Credit Information providing units, Market Credit Information collecting units, and their staffs must not carry out the following conduct:

(1) Fabrication, alteration, or improper deletion of Social Credit Information;

(2) leaking Social Credit Information related to state secrets, commercial secrets, and personal privacy;

(3) Providing Social Credit Information that has not been made public to third parties without the authorization of the credit subject;

(4) Other conduct prohibited by laws and administrative regulations.

Chapter IV: Rewards for Trustworthiness and Penalties for Untrustworthiness

Article 25: The provincial people's government shall establish and complete mechanisms for joint rewards of trustworthiness and joint disciplinary action for untrustworthiness that cross departments, sectors, and regions, to strengthen praise and rewards for the trustworthy conduct and restraint and punishment for untrustworthy conduct, in accordance with law.

The department of reform and development for the provincial people's government, together with relevant departments, shall follow laws, administrative regulations, and relevant state provisions to compile a list of credit reward and punishment measures, clarifying the basis and methods for the joint rewards for trustworthiness and joint disciplinary action for untrustworthiness. Dynamic management is to be implemented for the list of credit reward and punishment measures, and it is to be released to the public.

Article 26: Relevant departments and units shall establish and complete a system of hierarchical and categoric credit management for the corresponding industry, and may employ the following reward measures for credit subjects with positive credit within the scope of their authority:

(1) Giving green channels, permissive acceptance, simplified procedures and other facilitation in administrative management and public services;

(2) Where other requirements are equal, make them priority choices for allocation of public funds and evaluations;

(3) Measures such as giving credit level promotions in exchanges of public resources;

(4) reasonably decreasing the random sampling inspections and inspection frequencies in routine oversight and management;

(5) Conducting publicity or promotions on credit portal websites or related media;

(6) Other incentive measures as provided by the State or province.

Article 27: The establishment and implementation of credit punishment measures shall comply with the types of conduct, types, and range designated by laws, administrative regulations, and relevant state provisions. Where credit punishment measures are implemented against credit subjects with records of untrustworthiness (hereinafter collectively untrustworthy entities) , they shall comply with principles of reasonableness and relevance, and correspond with the nature, circumstances, and degree of social harm from the credit subject's violation of law or contract.

Article 28: relevant departments and units may employ the following punitive measures against untrustworthy units within the scope of their legally-prescribed authority:

(1) Restrict enjoyment of related facilitation measures in administrative management and public services;

(2) Give corresponding restrictions in the allocation of public funds and in evaluations;

(3) Measures such as giving credit level demotions in exchanges of public resources;

(4) list them as key subjects for oversight and management in routine oversight and management, and appropriately increasing the number of and frequency of spot inspections, strengthening on-scene oversight inspections;

(5) other punishment measures provided for by laws and administrative regulations.

Article 29: The following conduct by credit subjects is 'serious untrustworthy conduct':

(1) Acts that seriously endanger the public's physical health, or security in their lives;

(2) Acts that seriously disrupt the order of fair market competition and normal social order;

(3) Refusals to perform on legally prescribed obligations and seriously impacting the credibility of the judicial or administrative organ;

(4) Refusals to perform national defense obligations, endangering national defense interests, or destroying national defense facilities;

(5) Other serious untrustworthy conduct as provided for in other laws or administrative regulations.

Findings of serious untrustworthy conduct shall be made in accordance with the requirements, procedures, and standards of measures drafted and released by the state on the designation of serious untrustworthy conduct.

Article 30: The relevant departments and units shall employ the following punishment measures against credit subjects entered in the list of seriously untrustworthy entities in accordance with laws, administrative regulations, and relevant state provisions:

(1) Restrict or prohibit there entry into related markets and industries;

(2) Restrict relevant professional qualifications, canceling eligibility for awards, or revoking relevant honors or titles;

(3) Restrict financial activities such as financing or receiving credit;

(4) Restrict participation in infrastructure construction and public utility franchise activities arranged with government funds;

(5) Limit participation in government purchasing, government investment program bidding, state-owned land bidding, auctions, or listings, or other public resource trading activities;

(6) restrict passage on airplanes, or high-end trains and seats;

(7) other punishment measures provided for by laws and administrative regulations.

Article 31: Where the seriously untrustworthy entity is a legal person or unincorporated organization, Public Credit Information providing units shall indicate the untrustworthy entity's legal representative or primary responsible person, or actual controller when recording the information on their untrustworthiness. The relevant departments and units shall conduct punishment for untrustworthiness against the legal representatives, or primary responsible persons and actual controllers in accordance with laws, administrative regulations, and relevant state provisions.

Article 32: Relevant departments and units shall establish and complete credit pledge systems, building new forms of credit-based regulatory mechanisms.

The performance on public pledges made by market entities when handling administrative licensing matters under the credit pledge system shall be included in their credit records and used as an important basis for supervision and management during and after the matter.

Market entities are encouraged to proactively make public credit pledges to the public, and the credit pledges are to be entered into the market entities' credit records, and societal oversight is to be accepted.

Article 33: Industry associations and chambers of commerce are to establish membership credit records and carry out efforts on credit pledges, creditworthiness advocacy, credit appraisals, and credit levels and categories; and on the basis of their charter, employ reward measures for credit subjects with positive credit status such as key recommendations or increasing membership levels, and employ punishment measures for untrustworthy entities such as reducing their membership levels or canceling membership eligibility. It is prohibited to use members' credit records to carry out comparative assessment, compliance, commendations or other such activities in violation of laws and regulations.

Article 34: Based on Credit Subjects' credit status, market entities are encouraged to give beneficial facilitation, increased trade opportunities, and other reductions of transaction costs for credit subjects with positive credit statuses in economic activities; and to cancel benefits, increase guarantee deposits, reduce credit limits, and otherwise increase transaction costs for untrustworthy entities.

Chapter V: Protection of Credit Subjects Rights and Interests

Article 35: The provincial people's government's department for reform and development, together with relevant departments, shall establish and complete systems for the protection of credit subjects' rights and interests, improve mechanisms for handling objections to social credit, credit restoration, and accountability, and protect credit subjects' lawful rights and interests.

Article 36: Public Credit Information bodies, Public Credit Information providing units, Market Credit Information collecting units, and their staffs shall strengthen Social Credit Information security and preventions; establish and complete systems such as for security management, inquiries, use, and emergency handling; to ensure security throughout the entire course of the collection, aggregation, disclosure, use, and management of Social Credit Information.

Article 37: Credit Subjects have the right to know about conditions such as the collection and use of their Social Credit Information, as well as the sources of information contained in their credit reports, and the reasons for any changes.

The provincial and districted-city Public Credit Information bodies shall provide credit subjects with free inquiry services into their own Social Credit Information.

Article 38: The period for disclosure of credit subjects' information on untrustworthiness must not exceed 5 years, calculated from the date on which the untrustworthy conduct is concluded, except as otherwise provided by laws and administrative regulations.

At the completion of the disclosure period for information on untrustworthiness, Public Credit Information bodies and Public Credit Information providing units shall delete the information from relevant websites, and must not continue to provide inquiries, and not use it as the basis for further punishments against untrustworthiness.

Article 39: Where credit subjects find that there are errors or omissions in their Social Credit Information, or that there are situations such as infringements of their lawful rights and interests in the course of collecting, aggregating, disclosing, or using the information, they may submit an objection application to the Public Credit Information bodies or the Public Credit Information providing units or Market Credit Information collecting units.

After Public Credit Information bodies or Public Credit Information providing units and Market Credit Information collecting units receive an objection application, where it is within the scope they are to address, they shall conduct a review and make a disposition within 3 working days of receiving the objection application, and notify the applicant of the outcome; where it is necessary for other units to assist in reviewing information, a review and disposition shall be done within 7 days of receiving the objection application and notify the applicant of the outcome.

Article 40: Where the judgment, ruling, administrative decision, or other legal document that is the basis of a determination that a credit subject has an untrustworthy credit state is revoked or modified by relevant state organs, the Public Credit Information providing units or Market Credit Information collecting units shall revoke or modify the corresponding information on untrustworthiness and send this to the Public Credit Information platform within 3 working days of the revocation or modification, and the Public Credit Information platform shall promptly revoke or modify that information.

Article 41: During the period for disclosure of information on trustworthiness, units providing public credit information shall follow relevant state provisions to initiate procedures for prompting and admonishment or for warnings and admonishment, to spur the credit entities to perform relevant obligations and eliminate the negative impact.

Where credit subjects proactively correct their untrustworthy conduct and eliminate negative impact, they may submit an application for credit restoration to the Public Credit Information providing units or Public Credit Information bodies. The units receiving it shall address it in accordance with relevant state provisions, and promptly inform the applicant of the outcome.

Article 42: Where the Social Credit Information of natural persons is collected, aggregated, disclosed, used, or managed, it shall be done in accordance with laws, administrative regulations, or agreements, with information security ensured.

Information such as natural persons' income, savings, negotiable securities, commercial insurance, real estate, and tax payments must not be illegally collected as Social Credit Information by any unit or individual, and the Social Credit Information of others must not be illegally sold, provided, or made public.

It is prohibited to illegally collect personal information such as natural persons' religious faith, genetics, fingerprints, blood type, illness, or medical history as Social Credit Information.

Chapter VI: Regulating the Development of the Credit Services Industry

Article 43: The people's governments at the county level or above shall include the regulated development of the credit services industry in planning for the establishment of the social credit system, support credit service establishments providing society with credit products and services, and regulating and cultivating a credit services market.

Credit service establishments as used in these Regulations refers to lawfully established legal persons or unincorporated organizations that provide credit products to the public and engage in credit warranties, credit management, credit inquiry, credit risk control, and credit rating and assessment activities.

Article 44: The development and reform departments of people's governments at the county level or above, in conjunction with relevant departments, are to strengthen oversight and management of credit service establishments, establish a credit pledge system for credit service establishments, complete credit record mechanisms for credit service establishments and practitioners, and regulate and support the healthy and orderly development of the credit services industry.

Credit Service Establishments providing credit products shall comply with the principles of objectivity, justice, prudence, and security; and lawfully accept oversight and management.

Article 45: Credit service establishments are encouraged to launch credit products that for which they posess the intellectual property rights, expanding the application of Social Credit Information and the field of credit services, providing diverse and regular credit products and services to government departments, market entities, social organizations, and individuals.

Relevant departments and units are encouraged to carry our cooperation with credit service establishments in the collection, aggregation, sharing, big data analysis, early risk alert, verification of examples of untrustworthiness, tracing untrustworthy conduct, and other areas.

Article 46: Credit Service Establishments have an obligation to keep the confidentiality of state secrets, commercial secrets and personal privacy, and other personal information learned in the course of carrying out operations; must not endanger national security, public safety, and the public interest; and must not harm the lawful rights and interests of credit Subjects.

Credit service establishments must not accept business through methods such as false publicity or making pledges on ratings or appraisals, and must not maliciously rate or appraise credit subjects.

Article 47: The credit service industry associations shall strengthen self-discipline and management, organizing the drafting of industry standards and technical regulations, carrying out publicity and education activities and information publication, and increasing the capacity and credibility of industry services.

Chapter VII: Establishment of a Credit Environment

Article 48: All levels of people's government shall strengthen the establishment of creditworthiness in government affairs, persisting in administration in accordance with law, openness in government affairs, and keeping one's word; and playing a role of leading by example and modeling in the establishment of a social credit system.

People's governments at the county level or above and their relevant departments shall establish and complete systems for the management of government affairs credit information, aggregating government affairs credit information, establishing government affairs credit records, and completing systems for the exercise, restraints, and oversight of authority, to increase the level of creditworthiness in administration.

All levels of people's government and relevant departments shall strengthen education on creditworthiness for staff, establish a system of credit archives for staff, and increase the awareness and capacity for creditworthiness in performing duties.

Article 49: People's governments at the county level or above and their relevant departments shall strengthen the establishment of government affairs creditworthiness in areas such as government procurement, public-private funding cooperation, attracting investment, and bidding and tendering, and strictly perform on lawfully made policies and pledges and all types of lawfully concluded contracts.

Township people's governments and community offices shall establish and complete systems for open government affairs pledges, expanding the force of openness in government affairs and finance matters, optimizing public service functions, and ensure that each item in public service and benefits policies is effectively implemented.

All levels of people's government's and relevant departments' keeping of their word shall be entered into government affairs credit records.

Article 50: Judicial organs shall strengthen the establishment of judicial credibility, strengthen internal oversight, improve restraining mechanisms, advance judicial openness, preserve fairness and justice, and increase judicial credibility.

Article 51: All levels of people's government shall improve credit demonstration cities, credit towns (neighborhoods), credit villages (communities), credit families, and other creation of standards, organizing and carrying out modeling and creation activities, and building a social environment of knowing, using, and keeping credit.

Support the people's governments of districted cities and counties (cities, districts) to raise and establish creditworthiness funds through multiple channels, to praise and encourage exemplars of creditworthiness, and actively create a social atmosphere of honesty and trustworthiness.

Article 52: The administrative departments for education of people's governments at the county level or above shall organize all types of schools in combining ideological educational curricula, carrying out education on creditworthiness, increasing awareness of creditworthiness for youth.

Support schools of higher learningin setting up credit management majors, cultivating credit service professionals, and improving the level of professionalism in credit services.

Article 53: All levels of people's government shall strengthen publicity on a culture of creditworthienss, combining the establishment of a spiritual civilization, selection of rolemodels of ethics and other activities; establishing models of creditworthiness, and advocating the Core Socialist Values of honesty and trustworthiness.

Media such as radio, television, newspapers and periodicals, and the Internet shall strengthen the publicity on honesty and trustworthiness, spread knowledge of social credit, advocate a culture of creditworthiness and spirit of contract, creating a social atmosphere in which trustworthiness is rewarded and untrustworthiness is restricted.

Chapter VIII: Legal Responsibility

Article 54: Where the laws or administrative regulations already provide for the legal responsibility for violations of the provisions of these Regulations, follow those provisions.

Article 55: Where these Regulations are violated by Market Credit Information collecting units coercing or indirectly coercing credit subjects to accept the collection of information, or bundling services and infromation collection, the reform and development departments of people's governments at the county level or above, or the departments provided for by laws and regulations, are to order that corrections be made in a set period of time, and give a fine of between 10,000 and 50,000 RMB.

Article 56: Where these Regulations are violated by Market Credit Information collecting units in any of the following situations, the reform and development departments of people's governments at the county level or above, or the departments provided for by laws and regulations, are to order that corrections be made in a set period of time, and give a fine of between 20,000 and 100,000 RMB; where the circumstances are serious, a fine of between 100,000 and 3000,000 is to be given:

(1) Fabrication, alteration, or improper deletion of Market Credit Information;

(2) leaking Market Credit Information related to state secrets, commercial secrets, and personal privacy;

(3) Providing third parties with inquiries or use of Market Credit Information that has not been made public without the authorization of the credit subject;

(4) Other conduct prohibited by laws and administrative regulations.

Article 57: Where these regulations are violated by credit service establishments seeking business through false publicity or by promising ratings and appraisals, or conducting malicious ratings or appraisals of credit subjects; the development and reform departments of people's governments at the county level or above or the departments provided for by laws and regulations, are to order that corrections be made within a set period of time, and a fine of between 10,000 and 50,000 is to be given; where the circumstances are serious, a fine of between 50,000 and 200,000 RMB is to be given.

Article 58: Where Public Credit Information bodies, Public Credit Information providing units, or other relevant departments of people's governments at the county level or above have conduct violating the provisions of these Regulations in social credit management and service work, they shall promptly make corrections; where corrections are refused, the relevant regulatory departments are to order corrections.

Article 59: Where these provisions are violated by Public Credit Information bodies, Public Credit Information providing units, or people's governments at the county level or above and their staffs have any of the following conduct, the directly responsible managers and other directly responsible personnel are to give punishments in accordance with law, where a crime is constituted, criminal responsibility is pursued in accordance with law:

(1) Fabrication, alteration, or improper deletion of Public Credit Information;

(2) leaking Public Credit Information related to state secrets, commercial secrets, and personal privacy;

(3) Providing Public Credit Information that has not been made public to third parties without the authorization of the credit subject;

(4) failing to revoke or modify information on untrustworthiness, or to handle objections, in accordance with provisions;

(5) At the completion of the period for disclosure of information on untrustworthiness, failing to delete that information from relevant websites and continuing to publicly announce it or provide inquiries into it;

(6) Other conduct abusing professional powers, dereliction of duties, or improper conduct for personal gain.

Chapter IX: Supplementary Provisions

Article 60: The supervision and oversight of the credit reporting industry is to be implemented in accordance with the relevant provisions of laws and administrative regulations.

Article 61: These regulations shall come into force on October 1, 2020.