Which of the following combinations lists entities that are explicitly included as Credit Information Providers for the Central Credit Register?

• A. NAMA Only
• B. NAMA and Local Authority
• C. Local Authority and Pawnbroker
• D. NAMA, Local Authority, and Pawnbroker

Answer: (D)

Credit Information Providers are the entities that report borrowers’ credit data to the Central Credit Register to build a complete picture of an individual’s borrowing history. Among those providers, some non-traditional lenders are explicitly included, namely NAMA, Local Authorities, and Pawnbrokers. NAMA holds and reports information on loans it manages, Local Authorities report their lending activity, and Pawnbrokers provide short-term credit secured by pawns; all of these must contribute data to ensure the CCR reflects a full range of credit exposure. Since this option lists all three explicitly included providers, it accurately represents who can report to the CCR. The other options omit one or more of these eligible providers, so they don’t capture the full set.