2015 BANKJNG A:--IENDME~"T No.12 (iv) the person's compliance with any enactment regulating his or her business or occupation; and (v) taxes paid or payable by the person; and (vi) any pending prosecution for a criminal offence, or previous conviction for a criminal offence, and other infmmation relevant to the person's financial integrity; "credit rating" means an opinion as to the creditworthiness of any person who takes on or may take on any debt, or who issues or proposes to issue any debt-like securities; "credit rating agency" means an entity whose principal business is the issuance of credit ratings on Govemment and corporate debt issues with the object of evaluating the creditworthiness or ability and willingness of the debt issuer to make timely payments of principal and interest, and to assess the credit quality of, and assign credit ratings to, any debt and debtlike securities; "credit reference bureau" means an entity whose principal business consists in providing credit reference services; "credit reference services" means services related to the compilation, storage, processing and dissemination of credit infomtation; "financial institution" means any of the following entities(a) a banking institution; or (b) a building society registered in tem1s of the Building Societies Act [Chapter 24:04]; or (c) an insurer registered in tem1s of the Insurance Act [Chapter 24:07]; or (d) a fund registered in tenns of the Pension and Provident Funds Act [Chapter 24:09]; or (e) the Small and Medium Enterprises Development Corporation established by the Small and Medium Enterprises Act [Chapter 24:12]; or (f) the Infrastructure Development Bank of Zimbabwe established by the Infrastructure Development Bank of Zimbabwe Act [Chapter 24:14]; or (g) a trustee or manager of a collective investment scheme registered in terms of the Collective Investment Schemes Act [Chapter 24:19]; or (h) the People's Own Savings Bank of Zimbabwe established by the People's Own Savings Bank of Zimbabwe Act [Chapter 24:22]; or (i) the company exercising the functions of the Corporation in tenns of the Agricultural Finance Act [Chapter 18:02]; or (j) the Reserve Bank; or (k) the National Social Security Authority established by the National Social Security Authority Act [Chapter 17:04]; or 205