Banking Act (Cap. 19): Primary legislation governing banking operations and credit card services in Singapore, providing the fundamental regulatory framework for financial institutions
MAS Regulations: Regulatory guidelines issued by Monetary Authority of Singapore covering credit card operations and fair debt collection practices, including specific requirements under Notice 635
Consumer Protection (Fair Trading) Act: Legislation ensuring fair trading practices and protecting consumer rights in financial transactions and debt collection processes
Limitation Act (Cap. 163): Sets the statute of limitations for debt collection, specifically 6 years for contractual debts including credit card debts
Personal Data Protection Act (PDPA): Governs the collection, use, and disclosure of personal data in debt collection processes, ensuring privacy protection
Money Lenders Act: While not directly applicable to banks, provides contextual framework for acceptable debt collection practices in Singapore
Supreme Court Practice Directions: Procedural guidelines for legal proceedings related to debt collection in Singapore courts
MAS Notice 635: Specific guidelines on collection practices for banks and financial institutions in Singapore
Banking Industry Code of Practice: Industry-specific guidelines and best practices for banking operations including debt collection
COVID-19 Relief Measures: Temporary regulations and guidelines affecting debt collection practices during the pandemic period
