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Home About Us Introduction to MLCB


Singapore's Ministry of Law (MinLaw) requires all licensed moneylenders to provide information of their loans and the payment behaviour of their customers to the Moneylenders Credit Bureau (MLCB).

Experian Credit Services Singapore Pte Ltd is designated by MinLaw as the operator of the Moneylenders Credit Bureau (MLCB) under Section 30D of the amended Moneylenders Act.

The MLCB provides critical information to licensed moneylenders by allowing them to view a debtor's unsecured loans with other licensed moneylenders. The MLCB will also give moneylenders access to up-to-date details of the applicant's creditworthiness and indebtedness, to help licensed moneylenders make an informed decision on loans. If the extension of more credit pushes the debtor's borrowing beyond acceptable risk levels, the moneylender could refuse the request for credit. This means greater protection for consumers from increasing debt levels through real-time understanding of their financial pressures.

Borrowers can also be rest assured that information submitted to the MLCB will not be made available to other entities besides licensed moneylenders, unless explicit approval has been obtained from MinLaw.