4.1 Licensed Financial Institutions must not charge unreasonable fees for the SME products or services.
4.2 Licensed Financial Institutions must not provide credit beyond amounts that the Customer is capable to service.
4.3 Licensed Financial Institutions must not grant or extend any form of credit without expressed and documented prior request by the Customer.
4-4 Licensed Financial Institutions must monitor for inappropriate activities by credit granting and sales representatives. The monitoring, at a minimum, includes monitoring of monthly trend analysis of credit granted, relevant customer complaints and credit counselling.
4.5 Licensed Financial Institutions should only provide credit after obtaining the relevant details from the Credit Information Agency.