law: Credit Information Companies (Regulation) Act, 2005 
  4. Application for
  
  registration.- 
  1.     
  
    Every
  
  company which intends to commence the business of credit information shall make
  
  an application for registration to the Reserve Bank in such form and manner as
  
  may be specified by regulations.
  2.     
  
    Every
  
  credit information company, in existence on the commencement of this Act,
  
  before the expiry of six months from such commencement, shall apply in writing
  
  to the Reserve Bank for obtaining a certificate of registration under this Act:
  
  
  Provided that in the case of a credit
  
  information company in existence on the commencement of this Act, nothing in
  
  section 3 shall be deemed to prohibit such credit information company from
  
  carrying on the business of a credit information company, until it is granted a
  
  certificate of registration or is by notice in writing informed by the Reserve
  
  Bank that a certificate of registration cannot be granted to it.