2 
. ,  1 
Q&C,CE 
ii’ 
’; 
.+L;cL I ?i:f7 
, .  
FOURTEENTH CONGRESS OF THE REPUBLIC) 
Third Regular Session 
OF THE PHILIPPINES 
) 
1 
9 Jut\! 24 p 1 :28 
.., 
Introduced by Senator Miriam Defensor Santiago 
EXPLANATORY NOTE 
Third-parties should not be permitted to give personal information about a credit or 
debit cardholder to the issuer of the card. The cardholder is ultimately responsible for the use of 
the card, and their credit history is affected by any use of or changes to the account. Any errors 
in the information provided by a third-party might be recorded on a consumer credit report, 
where even providing a different street address can affect a consumer’s credit history. Also, if a 
third-party were permitted to give the address of the cardholder to the issuer, they might be able 
to divert monthly statements to another address or raise the limit of the line of credit attached to 
the card. 
This bill would not limit the transmittal of financial or transaction information by 
merchants or businesses; because the transmittal of these types of information is necessary for 
the use of credit and debit cards. What this legislation recognizes is the fact that the cardholder is 
ultimately responsible for the use of their card, hence making them the sole source of personal 
information about themselves. 


~~~~~~ 
!)[: 
(i: ..i.(~.rri.l.:%iii 
FOURTEENTH CONGRESS OF THE REPUBLIC) 
Third Regular Session 
OF THE PHILIPPINES ' 
1 
1 
9 
JUM 24 P 1 2 8  
SENATE 
Introduced by Senator Miriam Defensor Santiago 
I 
AN ACT PROHIBITING CARD ISSUERS FROM ACCEPTING 
THIRD-PARTY SOURCED PERSONAL INFORMATION 
1 
2 
assembled: 
Be it enacted by the Senate and House of Representatives of the Philippines in Congress 
3 
4 
5 
a third-party. 
SECTION 1 .Prohibited User Information Requests. Issuers of Creditmebit Cards are 
prohibited from knowingly accepting or soliciting the personal information o f  a card holder from 
6 
7 
SECTION 3. Penalty. Upon conviction of a violation of this Act, a fine of One 
Hundred Thousand Pesos (Php 100,000.00) per occurrence shall be imposed. 
8 
9 
SECTION 4. Repealing Clause. - All laws, decrees, orders, rules and regulations or 
parts thereof inconsistent with the provisions of this Act are hereby repealed, amended or 
10 
modified accordingly., 
11 
12 
13 
Approved, 
SECTION 5. Effectivity Clause. - This Act shall take effect after fifteen (15) days 
following its publication in the OfJicial Gazette or in two (2) newspapers of general circulation. 
1 


24 
25 
26 
21 
28 
29 
30 
31 
32 
33 
34 
35 
36 
37 
38 
39 
40 
41 
42 
43 
44 
45 
46 
47 
48 
49 
50 
51 
52 
(ii) a wirclcss tclcconimunications scrvicc account with a wireless 
scrvice provider that the purchascr has a prcexisting relationship with or 
establishes a carrier-customer relationship with via thc purchase of a 
prepaid wireless telecommunications service handset package. 
(c) PREPAID 'TELEPHONE CALLING SERVICE PROVIDER- The ierm 
'prepaid telephone calling service provider' means any entity, corporation, company. 
association, firm, partnership, or person providing prepaid tclcphone calling servicc to the 
public using its own, or a rcsold, telecommunications network or voicc over Internet 
technology. 
SEC. 3. Prohibiled Acls. - It shall be unlawful for m y  prepaid telephone calling 
service provider to do any of the following: 
I) '1'0 impose any cxpiration period on thc validity of thc peso valuc 
loaded from a prepaid telephone call-text card. 
2) To forfeit <my peso value loaded from a prepaid telephone call-text 
card. 
SEC. 4. Penalties. - Any director, officer or agent of a corporation who shall 
authorize, order or perform any of the acts or practices constituting in whole or in part a 
violation of Section 3, and who has knowledge or notice of noncompliance received by 
the corporation from the Commission, shall upon conviction, be subject to a fine of not 
less than One hundred thousand pesos (PlOO,O00.00) but not more than One Million 
Pesos (P1,000,000.00) or imprisonnient of not less than six (6) years but not more than 
twelve (12) years, or both upon the discretion of the court. 
In case the violation is committed by, or in the interest of a juridical person duly 
licensed to engage in business in the Philippines, such license to engage in business shall 
also be immediately revoked. 
SEC. 5. Authorily Of The Commission - 'l'he Commission shall cnforcc this Act in 
the same inanncr and by the same means as though all applicablc terms and provisions of 
the Public Telecommunications Policy Act of the Philippines were incorporated into and 
made part hereof. The Commission may prescribe regulations to carry out this Act. 
2 


53 
54 
55 
remain valid and subsisting. 
SEC 6. Separability Clause. - If any provision or part thereof, is held invalid or 
unconstitutional, the remainder of the law or the provision not otherwise affected shall 
56 
57 
58 
59 
accordingly. 
SEC 7. Repealing Clause. - Any law, presidential decree or issuance, executive 
order, letter of instruction, administrative order, rule or regulation contrary to, or 
inconsistent with the provisions of this Act is hereby repealed, modified or amended 
60 
61 
SEC 8,Effectivity Clause. - This Act shall take effect fifteen (15) days after its 
publication in at least two (2) newspapers of general circulation. 
Approved. 
3