Hanoi, Sept. 14 -- From November 1, 2026, the provision of borrowers' credit information for voluntary organisations, foreign credit information organisations and other organisations must be based on the borrowers' explicit and specific consent. The requirement is included in Circular No. 46/2026/TT-NHNN recently issued by the State Bank of Vietnam (SBV), which amends and supplements a number of provisions of Circular No. 15/2023/TT-NHNN on credit information-related activities. The new circular will take effect on November 1, 2026. Under the new regulations, borrowers' credit information may be provided for voluntary organisations, foreign credit information organisations and other organisations in accordance with regulations. However, s...