Banking Act (Cap. 19): Primary legislation governing banking operations in Singapore, particularly focusing on customer information confidentiality and disclosure requirements/restrictions
Personal Data Protection Act 2012 (PDPA): Legislation governing the collection, use, and disclosure of personal data, including consent requirements and data protection obligations
MAS Guidelines: Regulatory guidelines from Monetary Authority of Singapore covering fair dealing, risk management practices, and IT security requirements
Credit Bureau Singapore Regulations: Specific rules and requirements regarding credit information sharing and credit reporting in Singapore
Banking Secrecy Provisions: Section 47 of the Banking Act specifically dealing with customer confidentiality obligations
Contract Law (Cap. 43): Basic legal framework governing contract formation and requirements for valid business documents in Singapore
Electronic Transactions Act: Legislation governing the validity and use of electronic documents and signatures in Singapore
Industry Best Practices: Standard industry practices and protocols for issuing credit reference letters in Singapore's banking sector
Internal Bank Policies: Institution-specific policies and procedures for issuing credit reference letters
Cross-border Requirements: Additional considerations and requirements when credit reference letters involve international parties
Anti-Money Laundering Regulations: Relevant AML considerations when issuing credit reference letters, particularly for significant transactions
