Non Borrower Credit Authorisation Form

Non Borrower Credit Authorisation Form for the United Kingdom

Non Borrower Credit Authorisation Form Template for England and Wales

A Non-Borrower Credit Authorisation Form is a legal document used in England and Wales that allows financial institutions to perform credit checks on individuals who are not the primary borrowers in a credit application. This document ensures compliance with data protection laws and financial regulations while protecting both the financial institution and the non-borrower. It typically includes consent for credit checks, personal information collection, and data processing authorizations.

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What is a Non Borrower Credit Authorisation Form?

The Non Borrower Credit Authorisation Form is essential when a financial institution needs to assess the creditworthiness of individuals connected to a credit application but who are not the primary borrowers. Common in England and Wales, this document is particularly relevant for joint mortgage applications, shared credit facilities, or when guarantors are involved. The form ensures compliance with UK data protection laws, financial regulations, and consumer credit legislation while providing clear authorization for credit checks and personal data processing.

What sections should be included in a Non Borrower Credit Authorisation Form?

1. 1. Personal Information: Non-borrower's full name, address, contact details, date of birth, and other identification details

2. 2. Associated Borrower Information: Details of the borrower whose credit application this authorization relates to

3. 3. Credit Check Authorization: Explicit consent for credit checks and information sharing with credit reference agencies

4. 4. Data Protection Declaration: Details of how personal information will be used, stored, and shared in compliance with UK GDPR

5. 5. Rights and Responsibilities: Statement of the non-borrower's rights and responsibilities under this authorization

6. 6. Declaration and Signature: Final declaration of understanding and signature block with date

What sections are optional to include in a Non Borrower Credit Authorisation Form?

1. Additional Authorized Users: Optional section for including information about other authorized users when multiple parties are involved

2. Joint Account Information: Section to be included when the authorization relates to a joint account arrangement

3. Special Circumstances Declaration: Section for documenting any special arrangements or conditions that apply to this authorization

What schedules should be included in a Non Borrower Credit Authorisation Form?

1. Schedule 1 - Privacy Notice: Detailed information about data processing, retention, and privacy practices

2. Schedule 2 - Credit Reference Agency Information: Information about the credit checking process and participating credit reference agencies

3. Schedule 3 - Required Documentation Checklist: List of required identification and supporting documents

4. Schedule 4 - Terms and Conditions: Detailed terms and conditions governing the credit authorization

Authors

Alex Denne

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Clauses

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Banking
Financial Services
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Credit Assessment
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Credit Manager
Mortgage Advisor
Compliance Officer
Loan Officer
Risk Assessment Manager

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What is a Non Borrower Credit Authorisation Form?

What sections should be included in a Non Borrower Credit Authorisation Form?

What sections are optional to include in a Non Borrower Credit Authorisation Form?

What schedules should be included in a Non Borrower Credit Authorisation Form?

Authors

Alex Denne

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