(1) The bank may establish or arrange for a credit information center for the following purposes:- (a) To obtain credit information provided by commercial banks and financial institutions in order to maintain accuracy and appropriateness in credit flow, (b) The information received in accordance with clause (a) shall be processed accordingly. To exchange between commercial banks and financial institutions for the purposes mentioned in the section, (c) to provide the list of borrowers who do not pay loans on time or who abuse loans to the center, (d) to make mandatory information from the center before making investments or giving loans that exceed the limit set by the bank. To take, (e) the list received as per Clause (c) to be blacklisted by the Center and to take necessary action in this regard, and (f) every commercial bank or financial institution has shared such information, has not done so and has invested loans in accordance with such information. , to submit a report to the bank through inspection, supervision and monitoring about the non-compliance. (2) The bank shall regularize and organize the work mentioned in sub-section (1) as prescribed.