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The work of the Information Centre for Consumer Credit (IKO) is based on the Consumer Credit Act. The IKO is a federal body that falls under the supervision of the Federal Department of Justice and Police FDJP.
According to the Ordinance to the Consumer Credit Act, lenders must report the following information to the IKO for every approved consumer loan and lease:
The following must also be reported to the IKO:
For the credit capacity check, lenders must request information from the IKO regarding any obligations reported for the borrower in question.
Difference between IKO and ZEK: Unlike the ZEK, the IKO only records data pertaining to ongoing obligations that are subject to the Consumer Credit Act. The aim of the IKO is to prevent borrowers from falling into excessive debt.
The IKO is subject to data protection laws. Anyone is entitled to request personal information (link in German and French only) stored about themselves. To do this, you need to send an information request form, with a handwritten signature, together with a copy of an official ID (identity card, passport, driving licence) to the IKO. The IKO is then legally required to provide the information within 30 days.
More information on the IKO (in German and French only): www.iko-info.ch
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