1 January 2005 entered into force the code of ethics and good conduct for the information systems operated by private parties in the field of consumer credit, reliability and punctuality in payments “. The Code of Ethics apply each time they are required: ” a loan staff ” an exposure in current account ” a credit card ” financing to purchase rate ” a good or service ” a loan. The information systems are credit data banks through which banks and financial intermediaries shall exchange information on funding required and paid to their customers exclusively for purposes related to the protection of the credit and lower the risks. Such data, therefore, are consulted during criminal inquiry of a grant, for assessing the merits of credit of a subject and its level of indebtedness (for example, the punctuality OR THE DELAY IN PAYMENT OF instalments of payment), or during the life of the financing for the control of the credit risk. This means that other banks or financial to which will be asked another loan, financing, a credit card, etc., also a rate to buy consumer goods, will know if the customer has presented a recent request for financing, if you have other loans or financing and if you pay regularly rate.