New Company Law

Official Gazette n special of 14/05/2010
Umwaka wa 49 n idasanzwe 14 Gicurasi 2010
Year 49 n special 14 May 2010 49me Anne nspcial 14 mai 2010
Igazeti ya Leta ya Official Gazette Journal Officiel Repubulika yu of the Republic de la Rpublique Rwanda of Rwanda du Rwanda
Ibirimo/Summary/Sommaire Amategeko/Laws/Lois N13/2010 ryo kuwa 07/05/2010 Itegeko rihindura kandi ryuzuza Itegeko n 10/2009 ryo kuwa 14/05/2009 ryerekeye ubugwate ku mutungo utimukanwa...............3 N13/2010 of 07/05/2010 Law modifying and complementing Law n10/2009 of 14/05/2009 on mortgages..3 N13/2010 du 07/05/2010 Loi modifiant et compltant la Loi n 10/2009 du 14/05/2009 relative aux hypothques.3 N 14/2010 ryo kuwa 07/05/2010 Itegeko rihindura kandi ryuzuza Itegeko n 07/2009 ryo kuwa 27/04/2009 ryerekeye amasosiyete yubucuruzi..10 N 14/2010 of 07/05/2010 Law modifying and complementing Law n07/2010 of 27/04/2009 relating to companies10 N 14/2010 du 07/05/2010 Loi modifiant et compltant la Loi n 07/2009 du 27/04/2009 relative aux socits commerciales10 N 15/2010 ryo kuwa 07/05/2010 Itegeko rishyiraho kandi rigena imiterere yisangiramutungo ku nyubako nimihango ijyanye niyandikisha ryayo..26 N 15/2010 of 07/05/2010 Law creating and organizing condominiums and setting up procedures for their registration26 N 15/2010 du 07/05/2010 Loi portant cration, organisation et enregistrement des immeubles en coproprit...26 Page/Urup.
N16/2010 ryo kuwa 07/05/2010 Itegeko rigena uburyo bwihererekanyamakuru ku myenda mu Rwanda ...60 N16/2010 of 07/05/2010 Law governing credit information system in Rwanda 60 N16/2010 du 07/05/2010 Loi rgissant le systme de gestion dinformations sur le crdit au Rwanda...60
ITEGEKO N13/2010 RYO KUWA 07/05/2010 RIHINDURA KANDI RYUZUZA ITEGEKO N 10/2009 RYO KUWA 14/05/2009 RYEREKEYE UBUGWATE KU MUTUNGO UTIMUKANWA ISHAKIRO
LAW N13/2010 OF 07/05/2010 MODIFYING AND COMPLEMENTING LAW N10/2009 OF 14/05/2009 ON MORTGAGES
LOI N13/2010 DU 07/05/2010 MODIFIANT ET COMPLETANT LA LOI N 10/2009 DU 14/05/2009 RELATIVE AUX HYPOTHEQUES
TABLE OF CONTENTS
TABLES DES MATIERES
Ingingo ya mbere: Ubugwate ku mutungo Article One: Mortgage on property of a Article premier: Hypothque sur les biens wurugo rwabashakanye matrimonial home du foyer conjugal Ingingo ya 2: Uburyo uwahawe ingwate Article 2: Mortgagees remedies in case of Article 2: Moyens du crancier yitabaza iyo atishyuwe default of payment hypothcaire en cas de dfaut de paiement Ingingo ya 3: Igurisha ryingwate Ingingo ya 4: Ingingo zinzibacyuho Article 3: Selling a mortgage Article 4: Transitional provisions Article 3: Mise en vente dhypothque Article 4: Dispositions transitoires
Ingingo ya 5: Itegurwa, isuzumwa nitorwa Article 5: Drafting, consideration and Article 5: Initiation, examen et adoption de la prsente loi ryiri tegeko adoption of this Law Ingingo ya 6: Ivanwaho ryingingo Article 6: Repealing provision zamategeko zinyuranyije niri tegeko Ingingo ya 7: Igihe iri tegeko ritangira Article 7: Commencement gukurikizwa Article 6: Disposition abrogatoire
Article 7: Entre en vigueur
ITEGEKO N13/2010 RYO KUWA 07/05/2010 RIHINDURA KANDI RYUZUZA ITEGEKO N 10/2009 RYO KUWA 14/05/2009 RYEREKEYE UBUGWATE KU MUTUNGO UTIMUKANWA
LAW N13/2010 OF 07/05/2010 MODIFYING AND COMPLEMENTING LAW N10/2009 OF 14/05/2009 ON MORTGAGES
LOI N13/2010 DU 07/05/2010 MODIFIANT ET COMPLETANT LA LOI N10/2009 DU 14/05/2009 RELATIVE AUX HYPOTHEQUES
Twebwe, KAGAME Paul, Perezida wa Repubulika;
We, KAGAME Paul, President of the Republic;
Nous, KAGAME Paul, Prsident de la Rpublique;
INTEKO ISHINGA AMATEGEKO YEMEJE, NONE NATWE DUHAMIJE, DUTANGAJE ITEGEKO RITEYE RITYA KANDI DUTEGETSE KO RYANDIKWA MU IGAZETI YA LETA YA REPUBULIKA YU RWANDA
THE PARLIAMENT HAS ADOPTED AND WE SANCTION, PROMULGATE THE FOLLOWING LAW AND ORDER IT BE PUBLISHED IN THE OFFICIAL GAZETTE OF THE REPUBLIC OF RWANDA
LE PARLEMENT A ADOPTE ET NOUS SANCTIONNONS, PROMULGUONS LA LOI DONT LA TENEUR SUIT ET ORDONNONS QUELLE SOIT PUBLIEE AU JOURNAL OFFICIEL DE LA REPUBLIQUE DU RWANDA
INTEKO ISHINGA AMATEGEKO:
THE PARLIAMENT:
LE PARLEMENT:
Umutwe wAbadepite, mu nama yawo yo The Chamber of Deputies, in its session of 20 La Chambre des Dputs, en sa sance du 20 kuwa 20 Mata 2010 ; April 2010; avril 2010; Ishingiye ku Itegeko Nshinga rya Repubulika yu Rwanda ryo kuwa 04 Kamena 2003, nkuko ryavuguruwe kugeza ubu, cyane cyane mu ngingo zaryo; iya 29, iya 30, iya 62, iya 66, iya 67, iya 90, iya 92, iya 93, iya 94, iya 108 niya 201; Pursuant to the Constitution of the Republic of Rwanda of 4 June 2003, as amended to date, especially in Articles 29, 30, 62, 66, 67, 90, 92, 93, 94,108 and 201; Vu la Constitution de la Rpublique du Rwanda du 4 juin 2003, telle que rvise ce jour, spcialement en ses articles 29, 30, 62, 66, 67, 90, 92, 93, 94,108 et 201;
Ishingiye ku Itegeko Ngenga n08/2005 ryo Pursuant to Organic Law n 08/2005 of Vu la Loi Organique n08/2005 kuwa 14/07/2005 rigena imikoreshereze 14/07/2005 determining the use and 14/07/2005 portant rgime foncier nimicungire yubutaka mu Rwanda; management of land in Rwanda; Rwanda; Ishingiye ku Itegeko Ngenga n53/2008 ryo kuwa 2/09/2008 rishyiraho urwego rushinzwe iterambere mu Rwanda (RDB) rikanagena inshingano, imiterere nimikorere byarwo, nkuko ryahinduwe kandi ryujujwe kugeza ubu; Pursuant to Organic Law n 53/2008 of 2/09/2008 establishing the Rwanda Development Board (RDB) and determining its responsibilities, organization and functioning as modified and complemented to date;
du au
Vu la Loi Organique n53/2008 du 2/09/2008 portant cration de lOffice pour la Promotion du Dveloppement au Rwanda (RDB) et dterminant sa mission, son organisation et son fonctionnement, telle que modifie et complte ce jour;
Isubiye ku Itegeko n10/2009 ryo kuwa Reviewing Law n 10/2009 of 14/05/2009 on Revu la Loi n10/2009 du 14/05/2009 14/05/2009 ryerekeye ubugwate ku mutungo mortgages, especially in Articles 6, 14, 19 and relative aux hypothques, spcialement en utimukanwa, cyane cyane mu ngingo zaryo, 26; ses articles 6, 14, 19 et 26; iya 6, iya 14, iya 19 niya 26;
YEMEJE:
ADOPTS:
ADOPTE:
Ingingo ya mbere: Ubugwate ku mutungo Article One: Mortgage on property of a Article premier: Hypothque sur les biens wurugo rwabashakanye matrimonial home du foyer conjugal Ingingo ya 6 yItegeko n10/2009 ryo kuwa Article 6 of Law n 10/2009 of 14/05/2009 on Larticle 6 de la Loi n10/2009 du 14/05/2009 ryerekeye ubugwate ku mutungo mortgages is hereby repealed. 14/05/2009 relative aux hypothques est utimukanwa ivanyweho. abrog. Ingingo ya 2: Uburyo uwahawe ingwate Article 2: Mortgagees remedies in case of Article 2: Moyens du crancier yitabaza iyo atishyuwe default of payment hypothcaire en cas de dfaut de paiement Ingingo ya 14 yItegeko n10/2009 ryo kuwa Article 14 of Law n 10/2009 of 14/05/2009 on Larticle 14 de la Loi n10/2009 du 14/05/2009 ryerekeye ubugwate ku mutungo mortgages is modified and complemented as 14/05/2009 relative aux hypothques est 5
utimukanwa ihinduwe kandi buryo bukurikira:
yujujwe ku follows: The mortgage contract shall contain clauses that grant the mortgagee the power to manage, lease, sell or take over the mortgage in case of the mortgagors default. The mortgage contract shall also specify the time, place and terms of sale and the procedure to be followed in case of default. Where the mortgagor is in default, the mortgagee shall notify the mortgagor in writing of his/her choice to use one of the remedies specified in the preceding paragraph and transmit a copy thereof to the Registrar General. The notice shall be issued thirty (30) working days prior to taking action and these days shall be counted as from the day the copy of the notice is received by the Registrar General. Article 3: Selling a mortgage
modifi et complt comme suit: La convention dhypothque doit contenir une clause autorisant le crancier hypothcaire grer, mettre en location, raliser lhypothque ou sen approprier en cas de dfaillance de remboursement. Elle indique aussi le moment, le lieu et la procdure suivre. En cas de dfaillance de remboursement par le dbiteur hypothcaire, le crancier hypothcaire informe le dbiteur hypothcaire avec copie au Registraire Gnral de son choix dexercer lun des moyens repris lalina prcdent. La notification est mise trente (30) jours ouvrables avant dentreprendre laction envisage et ce, compter de la date de rception par le Registraire Gnral. Article 3: Mise en vente dhypothque
Amasezerano yubugwate agaragaza ingingo ziha ububasha uwahawe ingwate bwo kuyicunga, kuyikodesha, kuyigurisha cyangwa kuyegukana igihe uwatanze ingwate atabashije kwishyura. Amasezerano kandi agaragaza igihe, ahantu nibikurikizwa kugira ngo ubwo buryo bushyirwe mu bikorwa. Igihe uwatanze ingwate atabashije kwishyura, uwahawe ingwate amenyesha mu nyandiko uwatanze ingwate ko agiye gukoresha bumwe mu buryo bwavuzwe mu gika kibanziriza iki akagenera kopi Umwanditsi Mukuru.
Iryo menyekanisha rikorwa iminsi mirongo itatu (30) yakazi mbere yuko ikigamijwe gikorwa, ibarwa uhereye ku munsi Umwanditsi Mukuru yakiriyeho kopi. Ingingo ya 3: Igurisha ryingwate
Ingingo ya 19 yItegeko n10/2009 ryo kuwa Article 19 of Law n10/2009 of 14/05/2009 on Larticle 19 de la Loi n10/2009 du 14/05/2009 ryerekeye ubugwate ku mutungo mortgages is modified and complemented as 14/05/2009 relative aux hypothques est utimukanwa ihinduwe kandi yujujwe ku follows: modifi et complt comme suit: buryo bukurikira: Ucunga ingwate afite inshingano yo The receiver shall be responsible for selling Ladministrateur dhypothque a kugurisha ingwate ku giciro gikwiye kiri ku the mortgage at the market price after lobligation de procder la mise en vente de 6
isoko, amaze kubimenyesha impande zombi.
informing the two parties thereon.
lhypothque au prix du march aprs en avoir inform les deux parties. Le prix du march est dtermin selon les conditions qui prvalent sur le march. Toute vente se conforme la procdure de vente aux enchres. Le Registraire Gnral prpare les instructions gnrales rgissant la vente aux enchres dhypothque et celles qui sappliquent aux autres moyens prvus lalina premier de larticle 2 de la prsente loi. Article 4: Dispositions transitoires
Igiciro gikwiye kigenwa hakurikijwe uko The market price shall be determined based on ibiciro bigenda bihindagurika ku isoko. prevailing market conditions. Any proposed Igurisha ryose rikurikiza inzira yicyamunara. sale shall be conducted in accordance with auction procedures. Umwanditsi Mukuru ategura amabwiriza rusange agenga cyamunara ijyanye nigurisha ryingwate nubundi buryo bwavuzwe mu gika cya mbere cyingingo ya 2 yiri tegeko. Ingingo ya 4: Ingingo zinzibacyuho The Registrar General shall prepare general instructions governing the auction sale of the mortgage and other remedies specified in paragraph One of Article 2 of this Law.
Article 4: Transitional provisions
Ingingo ya 26 yItegeko n10/2009 ryo kuwa Article 26 of Law n 10/2009 of 14/05/2009 on Larticle 26 de la Loi n10/2009 du 14/05/2009 ryerekeye ubugwate ku mutungo mortgages is modified and complemented as 14/05/2009 relative aux hypothques est utimukanwa yujujwe ku buryo bukurikira: follows: modifi et complt comme suit: Amasezerano yose yubugwate yakozwe All mortgage contracts entered into prior to Toutes les conventions dhypothque mbere yuko iri tegeko ritangira gukurikizwa the commencement of this Law shall remain conclues avant lentre en vigueur de la akomeza kugira agaciro kayo kugeza igihe valid until their expiration. prsente loi restent valables jusqu' leur date arangiriye. dexpiration. Ayo masezerano ashyikirizwa Umwanditsi Mukuru mu gihe kitarenze umwaka umwe (1), uhereye igihe iri tegeko ritangarijwe mu Igazeti ya Leta ya Repubulika yu Rwanda kugira ngo yandikwe. Those contracts shall be submitted to the Registrar General in a period not exceeding one year from the date of the publication of this Law in the Official Gazette of the Republic of Rwanda to be registered. Ces conventions doivent tre soumises au Registraire Gnral dans un dlai ne dpassant pas une anne dater de la publication de la prsente loi au Journal Officiel de la Rpublique du Rwanda pour tre enregistres.
Ingingo ya 5: Itegurwa, isuzumwa nitorwa Article 5: Drafting, consideration and Article 5: Initiation, examen et adoption de la prsente loi ryiri tegeko adoption of this Law Iri tegeko ryateguwe mu rurimi This Law was drafted in English, considered La prsente loi a t initie en anglais, rwIcyongereza, risuzumwa kandi ritorwa mu and adopted in Kinyarwanda. examine et vote en Kinyarwanda. rurimi rwIkinyarwanda. Ingingo ya 6: Ivanwaho ryingingo Article 6: Repealing provision zamategeko zinyuranyije niri tegeko Article 6: Disposition abrogatoire
Ingingo zose zamategeko abanziriza iri kandi All prior legal provisions contrary to this Law Toutes les dispositions lgales antrieures zinyuranyije na ryo zivanyweho. are hereby repealed. contraires la prsente loi sont abroges. Ingingo ya 7: Igihe iri tegeko ritangira Article 7: Commencement gukurikizwa Article 7: Entre en vigueur
Iri tegeko ritangira gukurikizwa ku munsi This Law shall come into force on the date of La prsente loi entre en vigueur le jour de sa ritangarijweho mu Igazeti ya Leta ya its publication in the Official Gazette of the publication au Journal Officiel de la Repubulika yu Rwanda. Republic of Rwanda. Rpublique du Rwanda.
Kigali, kuwa 07/05/2010
Kigali, on 07/05/2010
Kigali, le 07/05/2010
(s) KAGAME Paul Perezida wa Repubulika (s) MAKUZA Bernard Minisitiri wIntebe Bibonywe kandi bishyizweho Ikirango cya Repubulika: (s) KARUGARAMA Tharcisse Minisitiri wUbutabera / Intumwa Nkuru ya Leta
(s) KAGAME Paul President of the Republic (s) MAKUZA Bernard Prime Minister Seen and sealed with the Seal of the Republic: (s) KARUGARAMA Tharcisse Minister of Justice / Attorney General
(s) KAGAME Paul Prsident de la Rpublique (s)

MAKUZA Bernard Premier Ministre
Vu et scell du Sceau de la Rpublique :
(s) KARUGARAMA Tharcisse Ministre de la Justice/Garde des Sceaux
ITEGEKO N14/2010 RYO KUWA 07/05/2010 RIHINDURA KANDI RYUZUZA ITEGEKO N 07/2009 RYO KUWA 27/04/2009 RYEREKEYE AMASOSIYETE YUBUCURUZI ISHAKIRO Ingingo ya kwisosiyete mbere: Gushingwa
LAW N14/2010 OF 07/05/2010 MODIFYING AND COMPLEMENTING LAW N 07/2009 OF 27/04/2009 RELATING TO COMPANIES TABLE OF CONTENTS Article One: Company incorporation
LOI N14/2010 DU 07/05/2010 MODIFIANT ET COMPLETANT LA LOI N 07/2009 DU 27/04/2009 RELATIVE AUX SOCIETES COMMERCIALES TABLE DES MATIERES Article premier : Constitution dune socit Article 2: Conditions denregistrement dune socit commerciale Article 3: Demande de rservation de la dnomination sociale Article 4: Forme des statuts dune socit Article 5: Restrictions prive une socit
Ingingo ya 2: Ibisabwa mu iyandikisha ryisosiyete yubucuruzi Ingingo ya 3: Gusaba kubikirwa izina ryisosiyete Ingingo ya 4: Imiterere yamategeko shingiro agenga isosiyete Ingingo ya 5: Ibibujijwe isosiyete idahamagarira rubanda kuyiguramo imigabane Ingingo ya 6: Guhamagarira rubanda kugura imigabane nimigabane nguzanyo Ingingo ya 7: Kwandikisha inyungu bwite ku bagize inama yubutegetsi
Article 2: Requirements for registration of a company Article 3: Application for company name reservations Article 4: Form of articles of association of a company Article 5: Restrictions on a private company
Article 6: Public invitation to subscribe for shares and debentures Article 7: Statement of conflict of interests of member of the Board of Directors
Article 6: Invitation au public la souscription aux actions et lachat dobligations Article 7: Faire inscrire un intrt personnel dun membre du Conseil dAdministration
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Ingingo ya 8: Inshingano yabagize Inama yubutegetsi mu kumenyesha inyungu Ingingo ya 9: Ibihembo nibindi bigenerwa abagize Inama yUbutegetsi
Article 8 : Obligation of members of the Board of Directors to disclose interest Article 9: Remuneration and other benefits for members of the Board of Directors Article 10: Transactions that may be carried out by a company with regard to issuing guarantee ora loan Article 11: Company Secretary and his/her duties Article 12: Definition of a foreign company Article 13: Change of the chapter title of
Article 8: Obligation des membres du Conseil dAdministration de communiquer un intrt Article 9 : Rmunration et autres avantages des membres du Conseil dAdministration Article 10 : Transaction de la socit en matire de garantie ou de prt
Ingingo ya 10: Ibyo isosiyete ishobora gukora mu gutanga ingwate cyangwa inguzanyo Ingingo ya 11: Umunyamabanga wisosiyete ninshingano ze Ingingo ya 12: Igisobanuro cyisosiyete yinyamahanga Ingingo ya yumutwe 13: Guhindura inyito
Article 11: Secrtaire de la socit et ses attributions Article 12: Signification dune socit trangre Article 13 : Changement de lintitul dun chapitre Article 14 : Utilisation des moyens lectroniques dans la communication Article 15 : Initiation, examen adoption de la prsente loi Article 16: Disposition abrogatoire et
Ingingo ya 14: Gukoresha uburyo bwikoranabuhanga mu itumanaho Ingingo ya 15: Itegurwa, isuzumwa nitorwa ryiri tegeko Ingingo ya 16: Ivanwaho ryingingo zamategeko zinyuranyije niri tegeko Ingingo ya 17: Igihe iri tegeko ritangira gukurikizwa
Article 14: Use of electronic means in communication Article 15: Drafting, consideration and adoption of this Law Article 16: Repealing provision
Article 17: Commencement
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ITEGEKO N 14/2010 RYO KUWA 07/05/2010 RIHINDURA KANDI RYUZUZA ITEGEKO N 07/2009 RYO KUWA 27/04/2009 RYEREKEYE AMASOSIYETE YUBUCURUZI
LAW N 14/2010 OF 07/05/2010 MODIFYING AND COMPLEMENTING LAW N 07/2009 OF 27/04/2009 RELATING TO COMPANIES
LOI N 14/2010 DU 07/05/2010 MODIFIANT ET COMPLETANT LA LOI N 07/2009 DU 27/04/2009 RELATIVE AUX SOCIETES COMMERCIALES
Twebwe, KAGAME Paul, Perezida wa Repubulika;
We, KAGAME Paul, President of the Republic;
Nous, KAGAME Paul, Prsident de la Rpublique;
INTEKO ISHINGA AMATEGEKO YEMEJE, NONE NATWE DUHAMIJE, DUTANGAJE ITEGEKO RITEYE RITYA KANDI DUTEGETSE KO RYANDIKWA MU IGAZETI YA LETA YA REPUBULIKA YU RWANDA
THE PARLIAMENT HAS ADOPTED AND WE SANCTION, PROMULGATE THE FOLLOWING LAW AND ORDER IT BE PUBLISHED IN THE OFFICIAL GAZETTE OF THE REPUBLIC OF RWANDA THE PARLIAMENT:
LE PARLEMENT A ADOPTE ET NOUS SANCTIONNONS, PROMULGUONS LA LOI DONT LA TENEUR SUIT ET ORDONNONS QUELLE SOIT PUBLIEE AU JOURNAL OFFICIEL DE LA REPUBLIQUE DU RWANDA LE PARLEMENT:
INTEKO ISHINGA AMATEGEKO: Umutwe wAbadepite, mu nama yawo yo kuwa 20 Mata 2010; Ishingiye ku Itegeko Nshinga rya Repubulika yu Rwanda ryo kuwa 04 Kamena 2003, nkuko ryavuguruwe kugeza ubu, cyane cyane mu ngingo zaryo; iya 29, iya 30, iya 62, iya 66, iya 67, iya 90, iya 92, iya 93, iya 94, iya 108 niya 201;
The Chamber of Deputies, in its session of 20 April 2010; Pursuant to the Constitution of the Republic of Rwanda of 04 June 2003, as amended to date, especially in Articles 29, 30, 62, 66, 67, 90, 92, 93, 94, 108 and 201;
La Chambre des Dputs, en sa sance du 20 avril 2010; Vu la Constitution de la Rpublique du Rwanda du 04 juin 2003, telle que rvise ce jour, spcialement en ses articles 29, 30, 62, 66, 67, 90, 92, 93, 94,108 et 201;
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Ishingiye ku Itegeko n11/2008 ryo kuwa 06/05/2008 rishyiraho Urugaga Nyarwanda rwAbabaruramari bUmwuga, rikanagena ububasha, imiterere nimikorere byarwo;
Pursuant to Law n11/2008 of 06/05/2008 establishing the Institute of Certified Public Accountants of Rwanda and determining its powers, organization and functioning; Reviewing Law n 07/2009 of 27/04/2009 relating to companies, especially in Articles 3, 14, 40, 56, 64, 74, 191, 200, 206, 208, 219, 322 and 376;
Vu la Loi n11/2008 du 06/05/2008 portant cration, comptence, organisation et fonctionnement de lOrdre Rwandais des Experts Comptables;
Isubiye ku Itegeko n07/2009 ryo kuwa 27/04/2009 ryerekeye amasosiyete yubucuruzi, cyane cyane mu ngingo zaryo iya 3, iya 14, iya 40, iya 56, iya 64, iya 74, iya 191, iya 200, iya 206, iya 208, iya 219, iya 322 niya 376; YEMEJE: Ingingo ya kwisosiyete mbere: Gushingwa
Revu la Loi n07/2009 du 27/04/2009 relative aux socits commerciales, spcialement en ses articles 3, 14, 40, 56, 64, 74, 191, 200, 206, 208, 219, 322 and 376;
ADOPTS: Article One: Company incorporation
ADOPTE: Article premier : Constitution dune socit Larticle 3 de la Loi n 07/2009 du 27/04/2009 relative aux socits commerciales est modifi et complt comme suit : Une ou plusieurs personnes peuvent constituer une socit commerciale en remplissant un acte constitutif selon les prescriptions de la prsente loi relatives lenregistrement des socits commerciales.
Ingingo ya 3 yItegeko n 07/2009 ryo kuwa 27/04/2009 ryerekeye amasosiyete yubucuruzi ihinduwe kandi yujujwe ku buryo bukurikira : Umuntu umwe cyangwa benshi bashobora gushinga isosiyete yubucuruzi buzuza inyandiko yubwumvikane hashingiwe ku biteganywa niri tegeko bijyanye niyandikisha ryamasosiyete yubucuruzi.
Article 3 of Law n07/2009 of 27/04/2009 relating to companies is modified and complemented as follows: One or more persons may form a company by subscribing their names to a memorandum of association in compliance with requirements of this Law in respect of registration of companies.
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Ingingo ya 2: Ibisabwa mu iyandikisha ryisosiyete yubucuruzi Ingingo ya 14 yItegeko n 07/2009 ryo kuwa 27/04/2009 ryerekeye amasosiyete yubucuruzi ihinduwe kandi yujujwe ku buryo bukurikira : Inyandiko isaba kwandikisha isosiyete ishyikirizwa Umwanditsi Mukuru igomba kuba yujuje ibi bikurikira: 1 gutangwa ku buryo bwinyandiko yabugenewe; 2 kuba iherekejwe nibi bikurikira: a) Inyandiko yubwumvikane ikorwa hakurikijwe ubwoko bwisosiyete kandi mu buryo bugenwa nUmwanditsi Mukuru; b) Amategeko shingiro, iyo ahari.
Article 2: Requirements for registration of a company Article 14 of Law n07/2009 of 27/04/2009 relating to companies is modified and complemented as follows: An application for registration of a company to be sent or delivered to the Registrar General shall be : 1 in the prescribed form;
Article 2: Conditions denregistrement dune socit commerciale Larticle 14 de la Loi n 07/2009 du 27/04/2009 relative aux socits commerciales est modifi et complt comme suit : Toute demande denregistrement dune socit qui est soumise au Registraire Gnral doit tre : 1 introduite dans la forme prescrite; 2 accompagne par : a) un acte constitutif mis selon le type de socit et sous la forme prescrite par le Registraire Gnral ; b) les statuts, sil y en a.
2 accompanied by : a) a memorandum of association which is drafted in accordance with the type of company and form prescribed by the Registrar General; b) the articles of association, if any. Article 3: Application for company name reservations Article 40 of Law n07/2009 of 27/04/2009 relating to companies is modified and complemented as follows: Any application for a name reservation for those who wish to form a company or those who wish to change the name of the 14
Ingingo ya 3: Gusaba kubikirwa izina ryisosiyete Ingingo ya 40 yItegeko n 07/2009 ryo kuwa 27/04/2009 ryerekeye amasosiyete yubucuruzi ihinduwe kandi yujujwe ku buryo bukurikira : Gusaba kubikirwa izina haba ku bashaka gushinga isosiyete cyangwa se abashaka guhindura izina ryisosiyete bikorwa mu
Article 3: Demande de rservation de la dnomination sociale Larticle 40 de la Loi n07/2009 du 27/04/2009 relative aux socits commerciales est modifi et complt comme suit : Toute demande de rservation de la dnomination sociale par ceux qui dsirent former une socit commerciale
buryo bwagenwe nUmwanditsi Mukuru.
company shall be lodged in the form prescribed by the Registrar General.
ou ceux qui dsirent changer de dnomination sociale est introduite sous la forme prescrite par le Registraire Gnral. Article 4: Forme des statuts dune socit Larticle 56 de la Loi n 07/2009 du 27/04/2009 relative aux socits commerciales est abrog. Article 5: Restrictions une socit prive Larticle 64 de la Loi n 07/2009 du 27/04/2009 relative aux socits commerciales est modifi et complt comme suit : Une socit prive ne peut mettre un prospectus.
Ingingo ya 4: Imiterere yamategeko shingiro agenga isosiyete Ingingo ya 56 y Itegeko n 07/2009 ryo kuwa 27/04/2009 ryerekeye amasosiyete yubucuruzi ivanyweho. Ingingo ya 5: Ibibujijwe isosiyete idahamagarira rubanda kuyiguramo imigabane Ingingo ya 64 y Itegeko n 07/2009 ryo kuwa 27/04/2009 ryerekeye amasosiyete yubucuruzi ihinduwe kandi yujujwe ku buryo bukurikira : Isosiyete idahamagarira rubanda kuyiguramo imigabane ntishobora gutangaza inyandiko ihamagarira rubanda kuyiguramo imigabane. Ingingo ya 6: Guhamagarira rubanda kugura imigabane nimigabane nguzanyo Ingingo ya 74 y Itegeko n 07/2009 ryo kuwa 27/04/2009 ryerekeye amasosiyete
Article 4: Form of articles of association of a company Article 56 of Law n07/2009 of 27/04/2009 relating to companies is hereby repealed. Article 5: Restrictions on a private company
Article 64 of Law n07/2009 of 27/04/2009 relating to companies is modified and complemented as follows: A private company shall not issue a prospectus.
Article 6: Public invitation to subscribe for shares and debentures
Article 6: Invitation au public la souscription aux actions et lachat dobligations Larticle 74 de la Loi n 07/2009 du 27/04/2009 relative aux socits
Article 74 of Law n07/2009 of 27/04/2009 relating to companies is 15
yubucuruzi ihinduwe ku buryo bukurikira: Guhamagarira rubanda gufata imigabane cyangwa imigabane nguzanyo mu isosiyete ni inyandiko cyangwa ubundi buryo buhamagarira abantu, byaba bigenewe abantu runaka cyangwa se rubanda muri rusange, niyo byaba byakwemerwa gusa nabo byagenewe. Kugura imigabane bishobora gukorwa hakurikijwe uko biteganyijwe muri iryo hamagara, ariko bigakorwa gusa numuntu byagejejweho. Ihamagara ryo kugura imigabane cyangwa imigabane nguzanyo ryakozwe nta buriganya ntirifatwa nkaho ryakorewe rubanda iyo ari:
modified as follows: Public invitation to subscribe for shares or debentures shall be construed as a document or any means whether intended to a particular section of the public or to the public in general even though such invitation is accepted by the targeted public. The offer may be made pursuant to the invitation only by a person to whom the invitation is issued. However, the invitation to subscribe for shares or debentures issued bona fide shall not be construed to be intended for the public where it is:
commerciales est modifi comme suit : Une invitation au public la souscription aux actions ou aux obligations est une offre ou tout autre moyen soit adress une catgorie particulire de gens soit au public en gnral quand bien mme il ne serait accept que par le seul public vis. Loffre ou la demande peut tre formule conformment linvitation, mais uniquement par chaque personne qui linvitation a t adresse. Toutefois, une invitation de souscrire aux actions ou aux obligations de bonne foi ne doit pas tre considre comme tant faite au public si elle est : 1 une offre de conclure un contrat garantissant lmission dactions et obligations; 2 une offre adresse une personne dont les activits ordinaires consistent en lachat et en la vente des actions ou des obligations en son nom ou par son mandataire ; 3 une offre adresse aux actionnaires ou obligataires actuels de la socit et relative aux actions ou aux obligations de cette
1 inyandiko isaba gukorana amasezerano yo kwishingira kugurisha imigabane isanzwe nimigabane nguzanyo; 2 inyandiko igenewe umuntu usanzwe akora akazi ko kugura no gucuruza imigabane isanzwe cyangwa imigabane nguzanyo yaba ari we ubwe cyangwa intumwa ye; 3 inyandiko igenewe abanyamigabane cyangwa abafite imigabane nguzanyo ikaba yerekeranye nimigabane isanzwe cyangwa
1 an offer to enter into an underwriting agreement for selling shares and debentures; 2 made to a person whose ordinary business is to buy and sell shares or debentures whether as principal or agent;
3 made to existing shareholders or debenture holders of a company and relates to shares or debentures of that 16
imigabane nguzanyo yiyo sosiyete. Ingingo ya 7: Kwandikisha inyungu bwite ku bagize inama yubutegetsi Ingingo ya 191 yItegeko n 07/2009 ryo ku wa 27/04/2009 ryerekeye amasosiyete yubucuruzi ihinduwe kandi yujujwe ku buryo bukurikira : Nyuma yo kumenya ko afite inyungu mu gikorwa cyubucuruzi cyisosiyete cyangwa igikorwa kigamijwe umwe mu bagize Inama yubutegetsi yisosiyete agomba mu buryo bwihuse, kuyandikisha mu gitabo cyagenewe kwandikwamo inyungu bwite zabagize Inama yubutegetsi iyo gihari akamenyesha ako kanya bagenzi be bagize Inama yubutegetsi yisosiyete nabanyamigabane: 1o imiterere numubare wamafaranga yiyo nyungu mu gihe inyungu ye nagaciro kayo bishobora kubarwa mu mafaranga; 2o imiterere ningano byiyo nyungu iyo bidashoboka kubara iyo nyungu mu mafaranga.
company. Article 7: Statement of conflict of interests of member of the Board of Directors Article 191 of Law n 07/2009 of 27/04/2009 relating to companies is modified and complemented as follows: A member of the Board of Directors of a company shall, forthwith after becoming aware of the fact that he/she is interested in a transaction or proposed transaction with the company, cause to be entered in the Register of interests of the members of the Board of Directors, if any, and immediately disclose to the Board of Directors and shareholders of the company: 1 the nature and monetary value of that interest, where the monetary value of interest of the member of the Board of Directors is able to be quantified; 2 the nature and extent of that interest where the monetary value of the interest of the member of the Board of Directors cannot be quantified.
socit. Article 7: Faire inscrire un intrt personnel dun membre du Conseil dAdministration Larticle 191 de la Loi n 07/2009 du 27/04/2009 relative aux socits commerciales est modifi et complt comme suit : Un membre du Conseil dAdministration dune socit doit, sans dlai, aprs avoir constat son intrt dans une transaction ou une proposition de transaction de la socit, le faire immdiatement inscrire dans le registre des intrts des membres du Conseil dAdministration, sil y en a, et informer les autres membres du Conseil dAdministration et les actionnaires de la socit de : 1 la nature et montant dun tel intrt lorsque lintrt et sa valeur sont en mesure dtre valu en argent ; 2 la nature et ltendue dun tel intrt lorsquil nest pas possible de lvaluer en argent.
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Ingingo ya 8: Inshingano yabagize Inama yubutegetsi mu kumenyesha inyungu Ingingo ya 200 yItegeko n 07/2009 ryo kuwa 27/04/2009 ryerekeye amasosiyete yubucuruzi ihinduwe kandi yujujwe ku buryo bukurikira : Umwe mu bagize inama yubutegetsi bwisosiyete ihamagarira rubanda kuyiguramo imigabane usanze afite inyungu ifatika mu ihererekanywa cyangwa mu itangwa ryimigabane agomba kumenyesha ako kanya inama yubutegetsi nAbanyamigabane: 1o umubare nurwego rwimigabane afitemo inyungu ifatika; 2o imiterere yinyungu ifatika; 3o ikiguzi cyishyuwe cyangwa cyakiriwe; 4oitariki yayihereweho yayitangiyeho. cyangwa
Article 8 : Obligation of members of the Board of Directors to disclose interest
Article 8: Obligation des membres du Conseil dAdministration de communiquer un intrt Larticle 200 de la Loi n 07/2009 du 27/04/2009 relative aux socits commerciales est modifi et complt comme suit : Un membre du Conseil dAdministration dune socit publique qui constate quil a un intrt significatif dans la cession ou dans lacquisition dactions dans la socit, doit communiquer immdiatement au Conseil dAdministration et aux actionnaires de la socit:
1 le nombre et la catgorie des actions dans lesquelles il dtient un intrt significatif ; 2 3 la nature de lintrt significatif; la contrepartie paye ou reue;
Article 200 of Law n 07/2009 of 27/04/2009 relating to companies is modified and complemented as follows: A member of the Board of Directors of a public company who finds out that he/she acquires or disposes of a relevant interest in the transfer or issuance of shares shall immediately disclose to the Board of Directors and shareholders of the company:
1 the number and class of shares in which he/she holds relevant interest;
2 3 4
the nature of the relevant interest; the consideration paid or received; the date of acquisition or disposal.
4 la date de lacquisition ou de la cession.
Ingingo ya 9: Ibihembo nibindi bigenerwa abagize Inama yUbutegetsi Ingingo ya 206 yItegeko n 07/2009 ryo
Article 9: Remuneration and other benefits for members of the Board of Directors Article 206 of Law n 07/2009 of 18
Article 9 : Rmunration et autres avantages des membres du Conseil dAdministration Larticle 206 de la Loi n 07/2009 du
kuwa 27/04/2009 ryerekeye amasosiyete yubucuruzi ihinduwe kandi yujujwe ku buryo bukurikira: Isosiyete igomba mu mwanzuro usanzwe, kwemeza ibihembo nibindi bigenerwa abagize Inama yUbutegetsi yisosiyete, imperekeza zo gutakaza kuba umwe mu bagize Inama yUbutegetsi hamwe nibishobora guhabwa uwahoze ari umwe mu bagize Inama yUbutegetsi. Inama yUbutegetsi ishobora kugena ibihembo bijyanye namasezerano yumurimo yumuyobozi mukuru cyangwa undi muyobozi nshingwabikorwa. Abagize Inama yUbutegetsi yisosiyete bashobora kwishyurirwa ibijyanye ningendo, amacumbi nandi mafaranga yose ya ngombwa bakoresha kugira ngo bitabire inama zabo cyangwa nindi mirimo ijyanye nibikorwa byisosiyete.
27/04/2009 relating to companies is modified and complemented as follows: The company shall by ordinary resolution approve the remuneration and any benefits payable to the members of Board of Directors and any allowances to a former member of the Board of Directors, including any allowances for loss of membership.
27/04/2009 relative aux socits commerciales est modifi et complt comme suit : La socit doit par rsolution ordinaire, approuver la rmunration et tous avantages dus aux membres du Conseil dAdministration, y compris toutes allocations dues un membre du Conseil dAdministration qui perd sa qualit et un ancien membre du Conseil dAdministration. Le Conseil dAdministration peut dterminer les conditions de rmunration dun contrat de service avec un Directeur Gnral ou un autre Directeur Excutif. Les membres du Conseil dAdministration peuvent tre pris en charge pour les dpenses lies aux dplacements, logement et autres dpenses dment engages par eux au cours des runions du Conseil dAdministration ou celles en rapport avec les activits de la socit. A lexception des socits ayant les activits de donner des crdits, les socits ne sont pas autorises donner des crdits aux membres de leur Conseil dadministration.
The Board of Directors may determine the terms of any service contract with a managing director or other Executive Director. The member of the Board of Directors may be paid all traveling, accommodations and other expenses properly incurred by them in attending any meetings of the Board of Directors or in connection with the business of the company. Except for companies involved in granting loans, companies shall not be allowed to grant loans to their Board members.
Uretse amasosiyete akora ibikorwa byo gutanga inguzanyo, abagize Inama yUbutegetsi ntibemerewe guhabwa inguzanyo namasosiyete babereye mu nama yubutegetsi.
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Ingingo ya 10: Ibyo isosiyete ishobora gukora mu gutanga ingwate cyangwa inguzanyo Ingingo ya 208 yItegeko n 07/2009 ryo kuwa 27/04/2009 ryerekeye amasosiyete yubucuruzi ihinduwe kandi yujujwe ku buryo bukurikira: Isosiyete ishobora: 1 guha inguzanyo iyishamikiyeho, byemejwe yUbutegetsi; isosiyete nInama
Article 10: Transactions that may be carried out by a company with regard to issuing guarantee or a loan Article 208 of Law n 07/2009 of 27/04/2009 relating to companies is modified and complemented as follows: A company may: 1 grant a loan to a subsidiary of the company upon approval by the Board of Directors; 2 enter into any guarantee or provide any security in connection with a loan granted by any person to any holding company; 3 provide a member of the Board of Directors with funds to meet expenditure incurred or to be incurred by him or her for the purpose of the company or for the purpose of enabling him or her to perform his/her duties as an officer of the company; 4 grant a loan as a normal business activity by a company dealing such business; A loan which was granted without 20
Article 10 : Transaction de la socit en matire de garantie ou de prt Larticle 208 de la Loi n 07/2009 du 27/04/2009 relative aux socits commerciales est modifi et complt comme suit : Une socit peut : 1 accorder un prt une socit affilie, avec lapprobation du Conseil dAdministration; 2 se porter garant ou fournir une garantie en couverture du prt octroy par une personne une socit mre ;
2 kwerekana ingwate cyangwa gutanga ingwate ijyanye ninguzanyo yatanzwe numuntu ku isosiyete ishamikiyeho;
3 guha umwe mu bagize Inama yUbutegetsi amafaranga yo kugira ngo yishyure ibyo yatanze cyangwa ibyo agomba kwishyura ku mpamvu zakazi kisosiyete cyangwa ku mpamvu zo kugira ngo ashobore gutunganya imirimo ye nkumukozi wisosiyete; 4 gutanga inguzanyo nkigikorwa gisanzwe cyisosiyete ikora bene iyo mirimo; Iyo inguzanyo yatanzwe hatubahirijwe
3 remettre des fonds un membre du Conseil dAdministration en vue dhonorer les dpenses engages ou engager par celui-ci pour les besoins de la socit ou pour les besoins lui permettant de raliser ses fonctions en qualit dagent de la socit ; 4 accorder un prt en tant quactivit normale de la socit exerant de telles activits; Lorsquun prt a t accord en violation
ibiteganywa niyi ngingo, iraseswa hakurikijwe umwanzuro ufashwe n isosiyete kandi igomba guhita yishyurwa kubera iseswa ryayo hirengagijwe amasezerano yayemeje.
compliance with the provisions of Article shall be cancelled by companys resolution and shall be back forthwith irrespective of the agreement entered in previously.
this the paid loan
des dispositions du prsent article, il doit tre annul selon la rsolution prise par la socit et immdiatement rembours par le fait de son annulation nonobstant les termes dun accord ayant antrieurement fait son objet. Article 11: Secrtaire de la socit et ses attributions Larticle 219 de la Loi n 07/2009 du 27/04/2009 relative aux socits commerciales est modifi et complt comme suit : Toute socit, exception faite dune petite socit prive, doit avoir un Secrtaire ayant les attributions suivantes :
Ingingo ya 11: Umunyamabanga wisosiyete ninshingano ze Ingingo ya 219 yItegeko n 07/2009 ryo kuwa 27/04/2009 ryerekeye amasosiyete yubucuruzi ihinduwe kandi yujujwe ku buryo bukurikira: Buri sosiyete, usibye isosiyete ntoya idahamagarira rubanda kuyiguramo imigabane, igomba kugira umunyamabanga ufite inshingano zikurikira: 1 kugira inama abagize Inama yUbutegetsi ku bijyanye ninshingano nububasha byabo; 2 kumenyesha Inama yUbutegetsi amategeko yose ya ngombwa cyangwa ayaba afite ingaruka ku nama zabanyamigabane bisosiyete nizabagize Inama yUbutegetsi yisosiyete, za raporo zizo nama nibyerekeye gushyikiriza inzego zibishinzwe inyandiko zose zisosiyete zisabwa namategeko
Article 11: Company Secretary and his/her duties Article 219 of Law n 07/2009 of 27/04/2009 relating to companies is modified and complemented as follows: Any company, other than a small private company shall have a Company Secretary whose duties shall be the following:
1 to advise members of the Board of Directors on their responsibilities and powers; 2 to inform members of the Board of Directors about all the necessary regulations or those which may affect the meetings of shareholders and of the Board of Directors, reports thereof and submission of all company documents required by the law to relevant organs as well as consequences due to the failure to 21
1 donner des avis au Conseil dAdministration sur leurs attributions et leurs pouvoirs; 2 informer le Conseil dAdministration de toutes les lois applicables ou celles ayant une incidence sur les assembles des actionnaires et des runions des membres du Conseil dAdministration, les rapports de ces runions et la transmission aux organes comptents de tous les documents de la socit exigs par la loi, ainsi que et
ningaruka byatera mu kutubahiriza ayo mategeko; 3 kumenya ko inyandiko mvugo zinama zabanyamigabane bisosiyete cyangwa izinama yabagize Inama yUbutegetsi yisosiyete zanditswe neza kandi ko ibitabo byose biteganywa namategeko shingiro byanditsemo kandi bibitswe neza; 4 kumenya ko inyandiko zibaruramari za buri mwaka za sosiyete nizindi zose zisabwa namategeko zashyikirijwe Umwanditsi Mukuru, nkuko iri tegeko ribiteganya. 5 kumenya ko kopi yinyandiko zibaruramari za buri mwaka na raporo yibikorwa yumwaka byoherejwe aho biri ngombwa mu buryo bukurikije iri tegeko numuntu wese amategeko ateganya. Ingingo ya 12: Igisobanuro cyisosiyete yinyamahanga Ingingo ya 322 yItegeko n 07/2009 ryo kuwa 27/04/2009 ryerekeye amasosiyete yubucuruzi ihinduwe kandi yujujwe ku buryo bukurikira Isosiyete yinyamahanga ni isosiyete ifite
comply with such regulations;
toutes les consquences du non respect de ces lois. 3 sassurer que les procs verbaux des assembles des actionnaires ou des runions des membres du Conseil dAdministration sont bien rdigs et que tous les registres prvus par les statuts sont bien tenus; 4 sassurer que les tats financiers annuels de la socit ainsi que tous les autres documents requis ont t transmis au Registraire Gnral conformment la prsente loi ; 5 sassurer quune copie des tats financiers annuels de la socit et le rapport annuel des activits ont t transmis conformment la prsente loi toute personne y ayant droit. Article 12: Signification dune socit trangre Larticle 322 de la Loi n 07/2009 du 27/04/2009 relative aux socits commerciales est modifi et complt comme suit : Une socit trangre est une socit
3 to ensure that minutes of the meetings of shareholders or the Board of Directors are well prepared and that registers provided for by the articles of association are accurately kept;
4 to make sure annual balance sheet and other types of required documents are submitted to the Registrar General as provided for by this Law;
5 to ensure that copies of annual balance sheet and activity reports are transmitted to relevant destinations n accordance with this Law and to any person as provided by the law. Article 12: Definition of a foreign company Article 322 of Law n 07/2009 of 27/04/2009 relating to companies is modified and complemented as follows: A foreign company shall be a company 22
ubuzima gatozi yaherewe mu mahanga igakorera mu Rwanda:
which is registered in a foreign country and which is carrying on business in Rwanda by: 1 establishing a share transfer office or a share registration office in Rwanda;
constitue en dehors du Rwanda et qui exerce ses activits au Rwanda en :
1 ishyiraho ibiro bikora ibijyanye nihererekanya cyangwa niyandikwa ryimigabane mu Rwanda; 2 iyobora cyangwa icunga ibintu mu Rwanda ikabikora nkuhagarariye undi byumwihariko cyangwa uwaragijwe ibintu bye byaba binyura ku bakozi be, ku muhagarariye cyangwa ku bundi buryo ubwo ari bwo bwose. Isosiyete yinyamahanga yiyandikisha ku Mwanditsi Mukuru. Iyo asanze izina ryayo rishobora gutera urujijo ku masosiyete ari mu Gihugu asaba ko rihindurwa.
1 tablissant un bureau de transfert ou denregistrement dactions au Rwanda; 2 administrant, grant ou soccupant des biens au Rwanda titre dagent, de reprsentant personnel ou de fidicommis, soit par le biais de ses employs, dun agent ou de toute autre manire.
2 administering, managing or dealing with property in Rwanda as an agent, personal representative or trustee, whether through its employees or an agent or in any other manner.
A foreign company shall be registered by the Registrar General. Where it is established that its name is confusing as far as companies inside the country are concerned, he/she shall request the company to change the name. Companies from East African Community member States and other companies from countries with relevant agreements with Rwanda shall enjoy national treatment.
Une socit trangre se fait enregistrer auprs du Registraire Gnral. Sil constate que son nom peut prter confusion lgard dautres socits existantes dans le pays, il exige son changement. Les socits originaires des Etats membres de la Communaut de lAfrique de lEst ainsi que dautres Etats ayant ratifi des accords en la matire avec le Rwanda sont considres comme des socits nationales.
Amasosiyete yo mu bihugu bigize Umuryango wa Afurika yIburasirazuba nandi masosiyete yo mu bihugu byagiranye nu Rwanda amasezerano abyemera afatwa nkamasosiyete yo mu Rwanda.
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Ingingo ya yumutwe
13:
Guhindura
inyito
Article 13: Change of the chapter
title of
Article 13 : Changement de lintitul dun chapitre Lintitul du Chapitre II du Titre VI de la Loi n 07/2009 du 27/04/2009 relative aux socits commerciales est modifi comme suit : CHAPITRE II : SANCTIONS Article 14 : Utilisation des moyens lectroniques dans la communication Larticle 376 de la Loi n 07/2009 du 27/04/2009 relative aux socits commerciales est complt et modifi comme suit : Lutilisation de moyens lectroniques est accepte dans toutes les oprations prvues par la prsente Loi. Article 15: Initiation, examen adoption de la prsente Loi et
Inyito yUmutwe wa II wInteruro ya VI yItegeko n 07/2009 ryo kuwa 27/04/2009 ryerekeye amasosiyete yubucuruzi ihinduwe ku buryo bukurikira: UMUTWE WA II: IBIHANO Ingingo ya 14: Gukoresha uburyo bwikoranabuhanga mu itumanaho Ingingo ya 376 yItegeko n 07/2009 ryo kuwa 27/04/2009 ryerekeye amasosiyete yubucuruzi ihinduwe kandi yujujwe ku buryo bukurikira : Uburyo bukoresha ikoranabuhanga mu itumanaho bwemewe gukoreshwa mu bikorwa byose biteganyijwe niri Tegeko. Ingingo ya 15: Itegurwa, isuzumwa nitorwa ryiri tegeko Iri tegeko ryateguwe mu rurimi rwIcyongereza, risuzumwa kandi ritorwa mu rurimi rwIkinyarwanda.
The title of Chapter II of Title VI of Law n 07/2009 of 27/04/2009 relating to companies is modified as follows: CHAPTER II: SANCTIONS Article 14: Use of electronic means in communication Article 376 of the Law n 07/2009 of 27/04/2009 relating to companies is modified and complemented as follows: The use of electronic means is accepted in all operations provided for in this Law.
Article 15: Drafting, consideration and adoption of this Law This Law was drafted in English, examined and adopted in Kinyarwanda.
La prsente loi a t initie en Anglais, examine et adopte en Kinyarwanda.
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Ingingo ya 16: Ivanwaho ryingingo zamategeko zinyuranyije niri tegeko Ingingo zose zamategeko abanziriza iri kandi zinyuranyije na ryo zivanyweho. Ingingo ya 17: Igihe iri tegeko ritangira gukurikizwa Iri tegeko ritangira gukurikizwa ku munsi ritangarijweho mu Igazeti ya Leta ya Repubulika yu Rwanda. Kigali, kuwa 07/05/2010 (s) KAGAME Paul Perezida wa Repubulika (s) MAKUZA Bernard Minisitiri wIntebe Bibonywe kandi bishyizweho Ikirango cya Repubulika: (s) KARUGARAMA Tharcisse Minisitiri wUbutabera / Intumwa Nkuru ya Leta
Article 16: Repealing provision
Article 16: Disposition abrogatoire
All prior legal provisions contrary to this Law are hereby repealed. Article 17: Commencement
Toutes les dispositions lgales antrieures contraires la prsente loi sont abroges. Article 17: Entre en vigueur
This Law shall come into force on the date of its publication in the Official Gazette of the Republic of Rwanda. Kigali, on 07/05/2010 (s) KAGAME Paul President of the Republic (s) MAKUZA Bernard Prime Minister Seen and sealed with the Seal of the Republic: (s) KARUGARAMA Tharcisse Minister of Justice / Attorney General
La prsente loi entre en vigueur le jour de sa publication au Journal Officiel de la Rpublique du Rwanda. Kigali, le 07/05/2010 (s) KAGAME Paul Prsident de la Rpublique (s)
MAKUZA Bernard Premier Ministre
Vu et scell du Sceau de la Rpublique :
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ITEGEKO N 15/2010 RYO KUWA 07/05/2010 RISHYIRAHO KANDI RIGENA IMITERERE YISANGIRAMUTUNGO KU NYUBAKO NIMIHANGO IJYANYE NIYANDIKISHA RYAYO
LAW N15/2010 OF 07/05/2010 CREATING AND ORGANIZING CONDOMINIUMS AND SETTING UP PROCEDURES FOR THEIR REGISTRATION
LOI N 15/2010 DU 07/05/2010 PORTANT CREATION, ORGANISATION ET ENREGISTREMENT DES IMMEUBLES EN COPROPRIETE
ISHAKIRO
TABLE OF CONTENTS
TABLE DES MATIERES
UMUTWE RUSANGE
WA
MBERE:
INGINGO CHAPTER PROVISIONS
ONE:
GENERAL CHAPITRE PREMIER: DISPOSITIONS GENERALES
Ingingo ya mbere : Icyo iri tegeko rigamije Ingingo ya 2 : Ibisobanuro byamagambo Ingingo ya 3 : Ibirebwa niri tegeko
Article One : Purpose of this Law
Article premier : Objet de la prsente loi
Article 2: Definitions of terms
Article 2: Dfinitions des termes Article 3: Champ dapplication de la prsente loi Article 4: Composantes de limmeuble en coproprit
Article 3: Scope of this law
Ingingo ya 4 : Ibigize isangiramutungo ku Article 4: Condominium units nyubako
UMUTWE WA KABIRI: GUSHYIRAHO CHAPTER II: ESTABLISHMENT AND CHAPITRE II: CREATION ET NO GUCUNGA INYUBAKO ZIRI MU ADMINISTRATION OF A ADMINISTRATION DUN IMMEUBLE ISANGIRAMUTUNGO CONDOMINIUM EN COPROPRIETE 26
Icyiciro cya mbere: Ishyirwaho Section One: ryisangiramutungo ku nyubako condominium Ingingo ya 5: Ishyirwaho Article 5: ryisangiramutungo ku nyubako condominium
Establishment
of
a Section premire: Cration coproprit immobilire
dune
Establishment
of
a Article 5: Cration dune coproprit immobilire Article 6: Statuts de lAssociation Article 7: Objet de lassociation
Ingingo ya 6 : Amategeko shingiro agenga Article 6: Articles of the Association ishyirahamwe Ingingo ya 7 : Intego zishyirahamwe Article 7: Purpose of the association
Ingingo ya 8 : Iyandikisha ryishyirahamwe Article 8: Registration of an association in Article 8: Enregistrement de lassociation ryisangiramutugo ku nyubako a condominium des co-propritaires dun immeuble Icyiciro cya kabiri: Imitunganyirize Section II: Organization of an association Section II: Organisation dune association yishyirahamwe ryisangiramutungo in a condominium des copropritaires dun immeuble Ingingo ya 9 : Ibikorwa biteza imbere Article 9: Economic activities of the Article 9: Activits conomiques de ishyirahamwe ryisangiramutungo association of co-owners in a lassociation des copropritaires dun condominium immeuble Ingingo ya 10 : Kwita ku gice kigize Article 10: Maintenance isangiramutungo ku nyubako condominium unit of a Article 10 : Entretien dune composante dun immeuble en coproprit
Ingingo ya 11 : Inshingano zishyirahamwe Article 11: Obligations of the association Article 11: Obligations de lassociation ryisangiramutungo of co-owners des copropritaires Ingingo ya 12 : Ububasha bwishyirahamwe Article 12: Powers of the association of Article 12 : Pouvoirs de lassociation des ryisangiramutungo co-owners copropritaires 27
Ingingo ya 13 : Kuba umunyamuryango Article 13: Membership in the association Article 13: Qualit de membre de wishyirahamwe ryisangiramutungo of co-owners in a condominium lassociation des copropritaires dun immeuble Ingingo ya 14 : Ubwishingizi bwumutungo Article 14: Insurance of the associations Article 14: L'assurance du patrimoine de wishyirahamwe property l'association Ingingo 15: Uburyozwe bwishyirahamwe Article 15: Liability of the association of Articles 15 : Responsabilit ryisangiramutungo co-owners lassociation des copropritaires de
UMUTWE WA GATATU: CHAPTER III: RIGHTS AND CHAPITRE III: DROITS ET UBURENGANZIRA NINSHINGANO OBLIGATIONS OF CO-OWNERS IN A OBLIGATIONS DES COBYABASANGIYE UMUTUNGO MU CONDOMINIUM PROPRIETAIRES DUN IMMEUBLE ISANGIRAMUTUNGO KU NYUBAKO Ingingo ya 16: Ihererekanya ryibice bigize Article 16: Transferability of units in a Article 16: Transfrabilit inyubako isangiwe condominium composantes dun immeuble coproprit Ingingo ya bugarukira 17: Aho uburenganzira Article 17: Limitations of rights Article 17 : Limitations des droits des en
Ingingo ya 18 : Umutungo usangiwe mu Article 18: Common elements in a Article 18 : Elments communs au sein isangiramutungo ku nyubako condominium dun immeuble en coproprit Ingingo ya 19 : Uburenganzira ku mutungo Article 19: Rights over common elements usangiwe Ingingo ya 20 : Uruhare isangiramutungo ku nyubako Article 19: Droits sur les lments communs
mu Article 20: Co-share of participation in a Article 20: Quote-part au sein dun condominium immeuble en coproprit 28
Ingingo ya 21: Ibihinduka isangiramutungo ku nyubako
mu Article 21: condominium
Improvements
to
a Article21: Amnagements au sein dun immeuble en coproprit
Article 22 : Uburenganzira ninshingano mu Article 22: Rights and obligations in case Article 22: Droits et obligations en cas de gihe habaye igurisha ryibice of sale of units in a condominium vente des composantes dun immeuble en byisangiramutungo ku nyubako coproprit Ingingo ya 23: Inshingano za nyirigice ku Article 23: Obligations of a unit owner as Article 23: Obligations du propritaire birebana no kwita no gusana igice regards maintenance and repair of a unit dune composante dun immeuble en cyisangiramutungo ku nyubako in a condominium coproprit eu gard son entretien et sa rparation Ingingo ya 24 : Korohereza cyangwa Article 24: Easements guhabwa inzira ku mutungo utimukanwa Article 24 : Servitudes
Ingingo ya 25 : Isoreshwa ryibice byo mu Article 25: Taxation on condominium Article 25: Imposition des composantes isangiramutungo ku nyubako units dun immeuble en coproprit UMUTWE WA IV: IYANDIKISHA CHAPTER IV: REGISTRATION OF A RYISANGIRAMUTUNGO KU CONDOMINIUM AND ITS UNITS NYUBAKO NIBICE BYAYO Ingingo ya 26 : Ibyandikwa isangiramutungo ku nyubako CHAPITRE IV : ENREGISTREMENT DUN IMMEUBLE EN COPROPRIETE ET DE SES UNITES
mu Article 26: Registration subjects in a Article 26: Sujets d'enregistrement au condominium sein dun immeuble en coproprit
Ingingo ya 27: Igitabo cyandikwamo ibice by isangiramutungo ku nyubako
Article 27: units
Register for condominium Article 27 : Registre des composantes dun immeuble en coproprit
29
Ingingo ya nyandiko
28
Itambamira
nizindi Article 28: Caveats and other inscriptions
Article 28 inscriptions
Opposition
et
autres
Ingingo ya 29 Amafaranga yo kwandikisha Article 29: Condominium registration Article 29: Frais denregistrement dun isangiramutungo ku nyubako fees immeuble en coproprit
UMUTWE ZISOZA
WA
GATANU:
INGINGO CHAPTER V: FINAL PROVISIONS
CHAPITRE FINALES
V:
DISPOSITIONS
Ingingo ya 30: Guha agaciro iyandikisha Article 30: Validation ryuburenganzira mu isangiramutungo condominium registration ryakozwe
of
existing Article 30: Validation de lenregistrement effectu pour les immeubles en coproprit
Ingingo ya 31: Itegurwa, isuzumwa nitorwa Article 31: Drafting, consideration and Article 31: Initiation, examen et adoption ryiri tegeko adoption of this law de la prsente loi Ingingo ya 32: Ivanwaho ryingingo Article 32: Repealing zamategeko zinyuranyije niri tegeko provisions of inconsistent Article 32 : Disposition abrogatoire
Ingingo ya 33: Igihe iri tegeko ritangira Article 33: Commencement gukurikizwa
30
ITEGEKO N 15/2010 RYO KUWA 07/05/2010 RISHYIRAHO KANDI RIGENA IMITERERE YISANGIRAMUTUNGO KU NYUBAKO NIMIHANGO IJYANYE NIYANDIKISHA RYAYO Twebwe, KAGAME Paul, Perezida wa Repubulika; INTEKO ISHINGA AMATEGEKO YEMEJE, NONE NATWE DUHAMIJE, DUTANGAJE ITEGEKO RITEYE RITYA KANDI DUTEGETSE KO RYANDIKWA MU IGAZETI YA LETA YA REPUBULIKA YU RWANDA
LAW N15/2010 OF 07/05/2010 CREATING AND ORGANIZING CONDOMINIUMS AND SETTING UP PROCEDURES FOR THEIR REGISTRATION
LOI N 15/2010 DU 07/05/2010 PORTANT CREATION, ORGANISATION ET ENREGISTREMENT DES IMMEUBLES EN COPROPRIETE
We, KAGAME Paul, President of the Republic; THE PARLIAMENT HAS ADOPTED AND WE SANCTION, PROMULGATE THE FOLLOWING LAW AND ORDER IT BE PUBLISHED IN THE OFFICIAL GAZETTE OF THE REPUBLIC OF RWANDA
Nous, KAGAME Paul, Prsident de la Rpublique; LE PARLEMENT A ADOPTE ET NOUS SANCTIONNONS, PROMULGUONS LA LOI DONT LA TENEUR SUIT ET ORDONNONS QUELLE SOIT PUBLIEE AU JOURNAL OFFICIEL DE LA REPUBLIQUE DU RWANDA
THE PARLIAMENT:
LE PARLEMENT:
Umutwe wAbadepite mu nama yawo yo kuwa The Chamber of Deputies, in its session of La Chambre des Dputs en sa sance du 22 22 Mata 2010 ; 22 April 2010; avril 2010 ; Ishingiye ku Itegeko Nshinga rya Repubulika yu Rwanda ryo kuwa 04 Kamena 2003, nkuko ryavuguruwe kugeza ubu cyane cyane mu ngingo zaryo iya 29, iya, 30, iya 49, iya 62, iya 66, iya 67, iya 90, iya 92, iya 93, iya 94, iya 108 niya 201; Pursuant to the Constitution of the Republic of Rwanda of 4th June 2003, as amended to date, especially in Articles 29, 30, 49, 62, 66, 67, 90, 92, 93, 94, 108, 118 and 201 ; Vu la Constitution de la Rpublique du Rwanda du 04 juin 2003, telle que revise ce jour, spcialement en ses Articles 29, 30, 49, 62, 90, 92, 93, 66, 67, 90, 92, 93, 94, 108, 118 et 201;
31
Ishingiye ku Itegeko Ngenga n 08/2005 ryo Pursuant to Organic Law n 08/2005 of 14 Vu la Loi Organique n 08/2005 du 14 kuwa 14 Nyakanga 2005 rigena imikoreshereze July 2005 relating to use and management of juillet 2005 portant rgime foncier au nimicungire yubutaka mu Rwanda, cyane land in Rwanda, especially in Article 30 ; Rwanda, spcialement en son Article 30; cyane mu ngingo yaryo ya 30; Ishingiye ku Itegeko ryo kuwa 31 Nyakanga 1912 rishyiraho Interuro ya mbere yamategeko mbonezamubano witwa ibyerekeye ibintu nimihindagurikire yumutungo, nkuko ryahinduwe kugeza ubu; Isubiye ku Itegeko ryo kuwa 30 Kamena 1913 rishyiraho Interuro ya II yamategeko mbonezamubano witwa ibyerekeye ibintu nimihindagurikire yumutungo, nkuko ryahinduwe kugeza ubu cyane cyane mu ngingo ya 16, iya 22, iya 34 bis niya 34 ter ; Isubiye ku Itegeko ryo kuwa 06 Gashyantare 1920 rishyiraho Interuro ya III yamategeko mbonezamubano witwa ibyerekeye ibintu nimihindagurikire yumutungo, nkuko ryahinduwe kugeza ubu; Pursuant to Decree of 31st July 1912 establishing Title one of the Civil Code book entitled property and different modifications of the property, as modified to date; Reviewing Decree of 30 June 1913 establishing Title II of the Civil Code book entitled property and different modifications of the property, as modifiEd to date; especially in Articles 16, 22, 34 bis and 34 ter Reviewing Decree of 6 February 1920 establishing Title III of the Civil Code book entitled property and different modifications of the property, as modified to date; Vu le Dcret du 31 juillet 1912 formant le titre premier du code civil intitu des biens et des diffrentes modifications de la proprit, tel que modifi jusqu ce jour;
Revu le Dcret du 30 juin 1913 formant le titre II du code civil intitul des biens et des diffrentes modifications de la proprit tel que modifi ce jour, spcialement en ses articles 16, 22, 34 bis and 34 ter ;
Revu le Dcret du 06 fvrier 1920 formant le titre III du code civil intitu des biens et des diffrentes modifications de la proprit tel que modifi ce jour;
YEMEJE:
ADOPTS :
ADOPTE :
32
UMUTWE RUSANGE
WA
MBERE:
ONE:
GENERAL CHAPITRE PREMIER: DISPOSITIONS GENERALES Article premier : Objet de la prsente loi
Ingingo ya mbere : Icyo iri tegeko rigamije
Article One : Purpose of this Law
Iri tegeko rishyiraho kandi rikagena imiterere This Law creates and organises La prsente loi porte cration et organisation yisangiramutungo ku nyubako nimihango condominiums and sets up procedures for des immeubles en coproprit et fixe les ijyanye niyandikisha ryayo. their registration. procdures de leur enregistrement. Ingingo ya 2 : Ibisobanuro byamagambo Article 2: Definitions of terms Article 2: Dfinitions des termes
Muri iri tegeko amagambo akurikira asobanura Under this law, the following terms shall be Aux fins de la prsente loi, les termes defined as follows : suivants sont dfinis comme suit : : 1 Ishyirahamwe rya ba nyirumutungo mu 1 Association of Owners in a 1 Association des copropritaires dun condominium : a non-commercial immeuble en coproprit : une isangiramutungo ku nyubako : ishyirahamwe rigizwe nibura nabantu organization of at least two (2) owners in organization non commerciale dau babiri (2) bagamije gushyiraho uburyo a condominium associated for the moins deux (2) propritaires dun bunoze bwimicungire nimiyoborere, no purpose of proper administration, immeuble en coproprit ayant comme gukoresha umutungo utimukanwa mu maintenance and operation of the real objectif de fixer les modalits buryo bwisangiramutungo ku nyubako. estate under the condominium; appropries dadministration, dentretien Iryo shyirahamwe ntirigamije ubucuruzi; et de fonctionnement de limmeuble en coproprit; 2 Isangiramutungo ku nyubako : uburyo 2 Condominium : a type of joint 2 Coproprit immobilire: une sorte de bwo kugira uburenganzira bubangikanye ownership of real estate in which proprit immobilire conjointe dans ku mutungo utimukanwa ku buryo igice portions of the property are commonly laquelle certaines portions sont kimwe cyuwo mutungo kiba gihuriweho owned and other portions are communes tous les propritaires alors muri rusange naho ikindi ari icyumuntu individually owned; que dautres appartiennent aux ku giti cye; propritaires de faon individuelle;
33
3 Ibice rusange : ibice bigize inyubako 3 Common elements: parts of a building 3 Elments communs: parties dun nizindi nyubako zose byagenewe and other buildings which are designed btiment ou autres biens immeubles gukoreshwa na ba nyirisangiramutungo for common use by all owners of the destins lusage commun par tous les utimukanwa bose; condominium; copropritaires dun immeuble en coproprit; 4 Inyubako igaragira : ikintu kitimukanwa 4 Servient tenement: developed or 4 Fonds servant : immeuble bti ou non cyubatseho cyangwa kitubatseho kigomba undeveloped land which is burdened bti assujeti une servitude ; korohereza no gutanga inzira; with an easement;
5 Inyubako igaragiwe : ikintu kitimukanwa 5 Dominant tenement: developed or 5 Fonds dominant : immeuble bti ou cyubatseho cyangwa kitubatseho kigomba undeveloped land which benefits from non bti en faveur duquel la servitude est koroherezwa cyangwa guhabwa inzira; an easement; impose ; 6 Umugabane wa nyirumutungo : 6 Co-share of participation: a property 6 Quote-part: part de chaque propritaire umugabane wa buri nyirumutungo ku share of each owner in a condominium; sur limmeuble en coproprit; mutungo utimukanwa uhuriweho mu nyubako; 7 Nyirumutungo : umuntu cyangwa 7 Property owner: a natural person or 7 Propritaire: une personne physique ou umuryango ufite ubuzima gatozi kandi legal entity owning an immovable morale propritaire dun bien immeuble ufite umutungo utimukanwa mu property in a condominium. dans un immeuble en coproprit. isangiramutungo ku nyubako.
34
Ingingo ya 3 : Ibirebwa niri tegeko
Article 3: Scope of this law
Article 3: Champ dapplication de la prsente loi La prsente loi porte:
Iri tegeko rireba ibi bikurikira: 1 kwemeza isangira isangiramutungo; ryinyubako
This Law deals with: mu 1 recognition of condominium;
co-ownership
in
a 1 reconnaissance de la co-proprit sur les immeubles en coproprit ;
2 gucunga no kwita ku isangiramutungo;
nyubako ziri mu 2 management and administration of a 2 gestion et administration condominium; coproprit immobilire ; ku 3 relationship between owners under a 3 relations de condominium; immeuble; copropritaires
de
la dun en
3 guhuza imibanire yabantu bahuriye isangiramutungo ku nyubako;
4 kwandikisha isangiramutungo ku nyubako 4 registration of a condominium and units 4 enregistrement de limmeuble nibice biyigize. thereof. coproprit et ses composantes.
Ingingo ya 4 : Ibigize isangiramutungo ku Article 4: Condominium units nyubako Isangiramutungo rigirwa na: A condominium comprises:
Article 4: Composantes de limmeuble en coproprit Un immeuble en coproprit est compos de:
1 inyubako, ibice byinyubako bifite 1 a building, parts of the building with 1 un btiment, des parties du btiment imiryango itandukanye cyangwa inyubako separate entrances or several buildings ayant des entres distinctes ou plusieurs nyinshi zabantu nibura babiri (2), bafite belonging to at least two (2) property btiments appartenant au moins deux ibibanza bifite imbago zegeranye owners, with the adjacent land plot (2) personnes, avec des parcelles bumvikanyeho nibindi byose bifatanye within the established boundaries, as contigues linterieur des bornes ninyubako; inkengero zabanyamaguru, well as the attachments to the buildings, dfinies ainsi que des accessoires ces 35
imihanda, aho bahagarika ibinyabiziga, ibirongozi, amabaraza, ubusitani nibindi byose bihana imbibi biri kuri icyo kibanza;
pavements for pedestrians, roads, parking lots, hallways, balconies, green perennials and other adjacent objects located on this land plot;
btiments ; des trottoirs pour pitons, des routes, des parkings, des couloirs, des vrandas, des jardins et dautres objets contigus, implants sur cette parcelle;
2 inyubako nyinshi ziri hamwe nko mu 2 several buildings or edifices which are 2 plusieurs btiments ou difices en mudugudu, nk amazu atuwemo compactly located, such as residential agglomrations, notamment les maisons numuryango, amazu mato afite cyangwa houses for one family, cottages with de rsidence pour une famille, petites adafite ikibanza bahana imbibi, aho babika adjacent land or without such land, maisons avec ou sans espace contigu, imodoka nibindi bintu bihurijwe mu garages and other objects united within a des garages et autres objets unis sur une nyubako mu kibanza kimwe nibikigize single land plot with all elements of mme parcelle aux lments byose; infrastructure; dinfrastructure ; 3 ibice byibyumba byigorofa ifite 3 parts of a multi-apartment block of flats 3 composantes dun btiment plusieurs imiryango itandukanye nibikoresho bya which has separate entrances and niveaux qui ont des entres et des tekiniki byinyubako bitandukanye, ariko different technical implements, on amnagements techniques distincts, ku buryo ivugurura, isanwa cyangwa condition that reconstruction, repair or pourvu que la reconstruction, la isenywa rya kimwe mu bice demolition of one part shall not rparation ou la destruction dune bitahungabanya ibindi bice byiyo nyubako; undermine the integrity of other parts of composante naffecte pas dautres the same building. parties du btiment. Ibice bigize isangiramutungo utimukanwa birimo ibijyanye ningufu, itumanaho, ikoranabuhanga, amazi, gutwara imyanda, nibindi bifitiye akamaro ahantu harenze isangiramutungo, ariko bitagenewe gusa ibice byisangiramutungo, bibarwa mu isangiramutungo kandi bikandikwa ku ishyirahamwe. Parts of a condominium including installations of energy sector, telecommunications, technology, water and sewerage systems and other parts with strategic designation located on the condominium other than those serving properties in condominium are parts of condominium and registered under the association of co-owners. Les composantes dun immeuble en coproprit telles que les installations dnergie, de tlcommunications, de technologie, deau et de systme dcoulement des eaux et ordures ainsi que dautres composantes destination stratgique autres que celles affectes aux composantes de la coproprit font partie de la coproprit et sont enregistrs au nom de lassociation.
36
Amazu yubatse mu bibanza bitandukanye ariko Buildings with common walls erected on Les immeubles rigs sur des parcelles akaba afite inkuta rusange, akomeza kugengwa separate plots shall remain governed by the diffrentes mais ayant un ou des murs namategeko yihariye agenga isangirambibi. joint ownership legislation. mitoyens restent rgis par la lgislation sur la mitoyennet. UMUTWE WA KABIRI: GUSHYIRAHO CHAPTER II: ESTABLISHMENT AND CHAPITRE II: CREATION ET NO GUCUNGA INYUBAKO ZIRI MU ADMINISTRATION OF A ADMINISTRATION DUN IMMEUBLE ISANGIRAMUTUNGO CONDOMINIUM EN COPROPRIETE Icyiciro cya mbere: Ishyirwaho Section one: ryisangiramutungo ku nyubako condominium Ingingo ya 5: Ishyirwaho Article 5: ryisangiramutungo ku nyubako condominium Isangiramutungo ku nyubako rishyirwaho : 1 na ba nyirumutungo usangiwe; Establishment of a Section premire: Cration coproprit immobilire dune
Establishment
of
a Article 5: Cration dune coproprit immobilire Une coproprit immobilire est cre: 1 par les copropritaires;
A condominium is established: 1 by co-owners;
2 bisabwe nurwego rwa Leta rufite mu 2 upon request by a public institution in 2 sur demande de linstitution publique nshingano zarwo guteza imbere imiturire, charge of housing promotion, when ayant la promotion de lhabitat dans ses iyo bigaragaye ko ibyangombwa conditions of a condominium are met. attributions lorsque les conditions de la byisangiramutungo ku nyubako byuzuye. coproprit sont runies. Ishyirahamwe rya ba nyirumutungo utimukanwa rishyirwaho nta gihe kizwi rimara keretse amategeko shingiro arigenga abiteganya ukundi. The association of owners of a LAssociation des copropritaires est tablie condominium shall be established for an pour une dure indtermine sauf si ses open-ended period of time unless its Articles statuts le prvoient autrement. of Association provide otherwise.
37
Ingingo ya 6 : Amategeko shingiro agenga Article 6: Articles of Association ishyirahamwe
Article 6: Statuts de lAssociation
Amategeko shingiro yishyirahamwe agomba Articles of Association must include at least Les statuts de lAssociation doivent inclure kugira nibura ibi bikurikira: the following: au moins les points suivants: 1 guteganya igice cyangwa ijanisha 1 allocation of the fraction or percentage 1 prvision de la portion ou du ryinyungu yibintu rusange nibyo of undivided interests in the common pourcentage de lintrt indivis dans les bakoresha mu ishyirahamwe, uburyo bwo elements and in the common expenses of parties communes et les dpenses kugenera umubare wamajwi mu matora the association, and a portion of the communes de lAssociation, lallocation yishyirahamwe kuri buri gice no votes in the association to each unit and de voix de vote chaque composante de gusobanura imibare bagendeyeho state the formula used to establish those lAssociation ainsi que la formule bashyiraho ijanisha bayigeneye; allocations; utilise pour ces prvisions; 2 ibishushanyo namakarita byerekana izina 2 maps and plan which contain the name, 2 les cartes et plans indiquant le nom, la nimiterere byinyubako, ibipimo byayo, nature and dimensions of the nature et les dimensions de limmeuble hamwe nibipimo byibikorwa byose condominium complex and dimensions en coproprit, les dimensions de tous byayikozweho naho ikibanza kiri of all existing improvements as well as les amnagements y effectus ainsi que nibipimo byacyo byemejwe nurwego the location and dimensions of the plot le lieu demplacement de la parcelle tels rubifitiye ububasha; approved by the competent organ; quils ont t approuvs par lorgane comptent; 3 aho bishoboka, kugaragaza ibikorwa 3 where it is possible, indication of all 3 dans la mesure du possible, lindication byorohereza cyangwa bishobora easements serving or burdening any de toutes les servitudes dont sont grevs kubangamira imikoreshereze yibice byiyo portions of the condominium ; ou dont jouissent des portions de nyubako; limmeuble en coproprit; 4 aho ibice rusange byinyubako biherereye 4 the location and dimensions of all 4 lemplacement et les dimensions des ningano yabyo. common elements. lments communs.
38
Bitabangamiye ibiteganywa niri tegeko, ishyirwaho, imiyoborere, uburyo ibyemezo bifatwa, iseswa nigabana mu ishyirahamwe ryabari mu isangiramutungo bikurikiza amategeko yubwoko abagize ishyirahamwe bahisemo. Ingingo ya 7 : Intego zishyirahamwe Intego zishyirahamwe ni izi zikurikira:
Subject to the provisions of this law, the formation, governance, decision making system, dissolution and liquidation of the association of shall comply with existing laws and regulations governing the form of association chosen by owners.
Sans prjudice des dispositions de la prsente loi, la formation, la gouvernance, le mode de prise de dcision, la dissolution et la liquidation de lassociation suivent les lois et rglements rgissant le type dassociation choisi par les copropritaires. Article 7: Objet de lassociation
Article 7: Purpose of the association
The association shall have the following Lassociation a pour objectif de : objectives :
1 gufata neza, guteza imbere no gusana ibice 1 maintenance, development and repair of 1 maintenir, dvelopper et rparer les rusange biri mu isangiramutungo cyangwa common elements in the condominium lments communs en coproprit ou guhindura ibice byinyuma cyangwa ikindi or changes to the exterior of the units or changer lapparence extrieure ou cyose cyahindura imiterere yigice cyangwa any other change that can affect all or procder tout autre changement iyinyubako yose; part of the condominium; pouvant affecter tout ou partie de limmeuble en coproprit; 2 kugeza ku bagize ishyirahamwe ibikorwa 2 provision of communal services to 2 fournir aux membres de lassociation les bya ngombwa bikenerwa bahuriyeho; members of the association; services ncessaires communs; 3 guhagararira no kurengera zabagize ishyirahamwe. inyungu 3 representation and protection of the 3 reprsenter et protger les intrts des interests of the members of the membres de lassociation. association.
Ingingo ya 8 : Iyandikisha ryishyirahamwe Article 8: Registration of the association Article 8: Enregistrement de lassociation ryisangiramutugo ku nyubako in a condominium des co-propritaires dun immeuble Ishyirahamwe rya ba nyirisangiramutungo The association of co-owners in a Lassociation de copropritaires dun ryanditse hakurikijwe amategeko abigenga condominium registered in accordance with immeuble en coproprit enregistre 39
riba rifite ubuzima gatozi.
related laws shall be a legal entity .
conformment aux lois en la matire jouit de la personnalit juridique.
Icyiciro cya kabiri: Imitunganyirize Section II: Organization of an association Section II: Organisation dune association yishyirahamwe ryisangiramutungo in a condominium des copropritaires dun immeuble Ingingo ya 9 : Ibikorwa biteza imbere Article 9: Economic activities of the Article 9: Activits conomiques de ishyirahamwe ryisangiramutungo association of co-owners in a lassociation des copropritaires dun condominium immeuble Ishyirahamwe ryisangiramutungo rishobora The association of co-owners in a Lassociation de copropritaires peut gukora ibikorwa biriteza imbere bikurikira: condominium may carry out the following effectuer les activits conomiques economic activities: suivantes: 1 gukora akazi ka buri munsi, gufata neza no 1 daily administration of the association, 1 administration quotidienne de gusana umutungo usangiwe; maintenance and repair of the real estate lassociation, maintien et rparation de in condominium; limmeuble en coproprit; 2 gushyiraho inyubako zinyongera nibice 2 construction of supplementary premises 2 construction de btiments rusange bikenerwa mu isangiramutungo ku and elements of common use in a supplmentaires et des lments dusage nyubako; condominium; commun dans un immeuble en coproprit; 3 guhagararira umutungo wishyirahamwe, 3 representation of the property of the 3 reprsenter le patrimoine de lassociation iyo ishyirahamwe rikeneye amafaranga yo association, when the association needs lorsque cette dernire a besoin de fonds gufata neza ibice rusange biri mu funds for maintenance of common de maintien des lments communs en isangiramutungo no guteza imbere uwo elements in a condominium and coproprit et damlioration de ce mutungo. improvement of this property. patrimoine. Umusaruro ukomoka ku bikorwa byo guteza The income generated by the economic Suivant la dcision de lassemble gnrale imbere ishyirahamwe ukoreshwa mu kwishyura activities is used to pay for economic costs de lassociation, les revenus rsultant des ibyakoreshejwe kugira ngo uwo musaruro incurred for such income generation activits conomiques sont affects au 40
uboneke hakurikijwe ibyemezo byinama rusange. Umusaruro usagutse ukoreshwa mu bindi bikorwa byishyirahamwe.
according to the decision of the general paiement des dpenses engages. meeting of the association. Le revenu supplmentaire est affect aux The supplementary income shall be autres activits de lassociation. apportioned for other activities of the association. of a Article 10 : Entretien dune composante dun immeuble en coproprit
Ingingo ya 10 : Kwita ku gice kigize Article 10: Maintenance isangiramutungo ku nyubako condominium unit
Kwita ku gice kigize isangiramutungo ku Maintenance of the immovable property in a L'entretien dune composante dun nyubako bikorwa hakurikijwe amategeko condominium shall be done as provided for immeuble en coproprit est fait agenga imyubakire mu Rwanda. by laws regulating housing in Rwanda. conformment la lgislation sur lhabitat au Rwanda. Ingingo ya 11 : Inshingano zishyirahamwe Article 11: Obligations of the association Article 11: Obligations de lassociation ryisangiramutungo of co-owners des copropritaires Inshingano zingenzi zishyirahamwe ryabari The association of co-owners has the Les obligations principales de lassociation mu isangiramutungo ni izi zikurikira: following main obligations : des copropritaires sont: 1 kugenzura imicungire yose 1 oversee the whole management of the 1 superviser la gestion de la coproprit et yisangiramutungo no kwita ku nyungu condominium and ensure full protection assurer la protection des intrts rusange zabari mu isangiramutungo; of common interest of owners in a communs des copropritaires; condominium; 2 kwita ku mirimo ikorwa ku nyubako iri mu 2 maintenance and improvement of the 2 veiller lentretien et lamlioration de isangiramutungo no kuyongerera agaciro; immovable property in a condominium; limmeuble en coproprit; 3 gutuma abagize ishyirahamwe bose 3 ensure mutual respect of all co-owners 3 veiller au respect mutuel des droits de bubahiriza uburenganzira bwabandi; rights; tous les copropritaires ; 4 kugaragaza buri mwaka ibyinjiye 4 provide the annual statement of income 4 laborer le rapport annuel des revenus et 41
nibyasohotse;
and expenditures;
des dpenses ;
5 kubaka no gusana ahantu hose hahuriweho 5 construct and repair with or without 5 construire et rhabiliter tous les lments ku nyubako byaba bisaba gusenya cyangwa demolition of common elements in communs avec ou sans dmolition kudasenya hakurikijwe amategeko agenga accordance with laws governing conformment la lgislation sur imyubakire; housing; lhabitat; 6 gukurikirana iyubahirizwa ryamategeko 6 ensure the compliance with laws and 6 veiller lapplication des lois et statuts namategeko-shingiro arigenga; Articles of the Association; rgissant lassociation; 7 kubahiriza nabandi; amasezerano yagiranye 7 execute its contractual obligations ; 7 excuter ses engagements contractuels ; the 8 sassurer que tous les membres de l'association remplissent leurs engagements ;
8 gukurikirana ko abagize ishyirahamwe 8 ensure that all members of bubahiriza inshingano zabo; association fulfil their obligations;
9 kwita ku isuku nisukura no ku 9 ensure proper hygiene, sanitary and 9 assurer un tat hyginique, sanitaire et mitunganyirize mu bya tekiniki yibice technical condition of the common technique appropri des lments bigize inyubako isangiwe; elements of the condominium; communs de limmeuble en coproprit ; 10 gukora indi mirimo no kugira uruhare mu 10 perform other activities and be involved 10 excuter d'autres activits et tre bindi bikorwa bijyanye nibigamijwe in other businesses in line with the implique dans d'autres affaires qui mwishyirahamwe. purposes of the association. rentrent dans les objectifs de lassociation. Ingingo ya 12 : Ububasha bwishyirahamwe Article 12: Powers of the association of Article 12 : Pouvoirs de lassociation des ryisangiramutungo co-owners copropritaires Mu bubasha bwishyirahamwe ryabari mu Powers of the association shall include: isangiramutungo harimo ubu bukurikira: Les pouvoirs de lassociation incluent :
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1 guhagararira inyungu zabanyamuryango mu gihe amakimbirane;
rusange 1 representing the common interests of its 1 reprsenter les intrts communs de ses habaye members in case of litigation; members en cas de litige;
2 kugirana amasezerano nabantu yo kwita 2 concluding contracts for maintenance of 2 signer des contrats pour entretenir les ku bice rusange byo mu nyubako; the common elements within the lments communs au sein de building; limmeuble ; 3 kugena umubare wamafaranga asabwa buri 3 determining the quantum of obligatory 3 dterminer le montant des frais wese ufite igice mu nyubako isangiwe fees due by each co-owner in accordance obligatoires dus par chaque hakurikijwe umugabane wa buri with the co-share participation of each copropritaire, selon la quote-part de munyamuryango; member; chaque membre; 4 kugena amafaranga atangwa na buri 4 determining fees to be paid by each 4 dterminer les frais payer par chaque munyamuryango yakwitabazwa igihe member for dealing with the membre pour faire face aux habaye ibiza cyangwa ibindi bikorwa byaza consequences of calamities or other consquences des calamits ou autres bitunguranye; unexpected activities; activits imprvues; 5 gusaba ba nyirumutungo gutanga 5 demanding co-owners the entire 5 exiger des copropritaires amafaranga yose ajyanye nigihombo cyose compensation of losses caused by the lindemnisation entire des pertes cyatewe no kutishyura amafaranga non-payment of obligatory fees for causes par le non-paiement des frais bategetswe gutanga kubera imirimo yo maintenance and repair of common obligatoires pour des services, kwita no gusana ahantu hahuriweho mu elements of the condominium; d'entretien et de reparation des parties nyubako basangiye ; communes de limmeuble en coproprit; 6 gusaba inguzanyo mu ma banki ku bintu 6 applying for bank loan for any activities 6 demander des crdits bancaires pour des bifitiye akamaro ishyirahamwe mu gihe nta that will benefit the association of affaires qui profitent lassociation de mafaranga ahagije rifite. Inzira ikurikizwa owners in case of insufficient funds. The copropritaires et ce, en cas kugira ngo hemezwe gusaba inguzanyo procedure for deciding to apply for a dinsuffisance de fonds. La procdure de iteganywa mu mategeko shingiro loan shall be provided for by the articles dcision de demande de crdit est prvue yishyirahamwe; of the association; par les statuts de lassociation ; 43
7 kwishyura imirimo yakorewe ishyirahamwe 7 paying for the services provided and 7 payer les services fournis et les travaux byubahiriza amasezerano yakozwe; works performed on the basis of effectus sur base des obligations contractual obligations; contractuelles; 8 kugurisha ibikoresho nundi mutungo 8 selling or allocating to different 8 vendre le matriel et autres biens de wishyirahamwe cyangwa kubikoresha mu businesses, exchanging, transferring, lassociation et les affecter diffrentes bikorwa binyuranye, kubigurana, providing into lease under a lease oprations, les changer, les transfrer, kubihererekanya nabandi, cyangwa se agreement the equipment, inventory and les mettre sous bail aux termes d'un kubikodesha hakurikijwe amasezerano other material assets and writing them accord de bail et les supprimer des yikodesha no kubikura mu bitabo off from the books of the association in livres comptables en cas de leur usure ou byishyirahamwe mu gihe byashaje the event of wear and tear or full amortissement total; cyangwa byataye agaciro; depreciation; 9 gutanga ibirego byo kwishyuza amafaranga 9 initiating lawsuits for obligatory 9 saisir les juridictions pour exiger le ba nyirumutungo basabwa gutanga mu payments when the co-owners fail to paiement des contributions quand les cogihe batishyuye uruhare rwabo ; fulfil their obligations regarding their propritaires nont pas honor leurs contribution ; obligations ; 10 gushyiraho no kubahiriza amabwiriza 10 setting up and enforcing a code of 10 tablir et mettre en application un de agenga imyitwarire yabakodesha ibice conduct on tenants, residents and guests conduite devant rgir les locataires et byinyubako nabandi bahatuye kimwe with regard to the common elements of autres rsidents ainsi que les visiteurs en nabashyitsi ku bijyanye nibice the condominium; ce qui concerne les parties communes de byinyubako bisangiwe; limmeuble en coproprit; 11 gufata ibyemezo bijyanye no gutanga 11 taking decisions on creation or 11 dcider de la cration ou de l'annulation cyangwa kudatanga uburenganzira bwo cancellation of easements within a des servitudes au sein de limmeuble en gutanga ibyoroshya ibikorwa bitandukanye condominium. coproprit. byo mu nyubako isangiwe.
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Ingingo ya 13 : Kuba umunyamuryango Article 13: Membership in the association Article 13: Qualit de membre de wishyirahamwe ryisangiramutungo of co-owners in a condominium lassociation des copropritaires dun immeuble Abafite ibice mu nyubako ni abanyamuryango Owners of units in a condominium are Les propritaires des composantes de bishyirahamwe. members of the association. limmeuble en coproprit sont des membres de l'association. Kuba umunyamuryango wabafite umutungo Membership in the association of co-owners La qualit de membre de lassociation des mu ishyirahamwe bitangira ukimara commences upon the registration in the copropritaires sacquiert partir du jour de kwandikwa mu buryo buteganyijwe. established manner. leur inscription dans lassociation conformment la procdure prvue. Inyungu zabana batarageza ku myaka yubukure, abambuwe ububasha ninkiko, uwatswe ubushobozi zitabwaho nababyeyi babo cyangwa ababahagarariye mu buryo buteganywa namategeko. Kuba umunyamuryango bihagarikwa nurupfu, iseswa ryishyirahamwe, niyimurwa ryinyubako ir mwisangiramutungo ku mpamvu zinyungu rusange cyangwa indi mpamvu iteganywa mu mategeko shingiro agenga ishyirahamwe. Mu gihe cyurupfu cyangwa ishyirahamwe ryivuguruye, abazungura baba abanyamuryango bishyirahamwe mu gihe uburenganzira bwabo mu isangiramutungo ku nyubako bumaze kwemezwa. Interests of minors, those deprived of their capacity by courts and wards of court shall be represented by their parents or guardians in the manner established by the law. Les intrts des mineurs, des incapables et de ceux placs sous conseil judiciaire sont reprsents par leurs parents ou tuteurs tel que prvu par la loi. La qualit de membre de lassociation cesse en cas de dcs, de dissolution de lassociation, dexpropriation de la proprit immobilire en coproprit ou pour d'autres raisons prvues par les statuts de l'association. En cas de dcs ou aprs la rorganisation de lassociation, les successeurs deviennent des membres de l'association aprs confirmation de leur droit de proprit au sein de limmeuble en coproprit.
Membership in the association ceases in case of death, dissolution of the association, expropriation of the condominium or on other grounds provided for in the Articles of Association.
In the event of death or following the reorganization of the association, the successors become members of the association upon confirmation of their ownership right in the condominium.
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Mu gihe cyurupfu rwa nyirigice runaka mu nyubako isangiwe nta muzungura wemewe mu mategeko cyangwa wirage uhari, itangwa ryicyo gice rikorwa hakurikijwe amategeko agenga ibyerekeye izungura.
In the event of death of the owner of the unit in a condominium in absence of any legal or testamentary heir, the allocation of the unit shall be determined in accordance with the succession laws.
En cas de dcs du propritaire de la composante de limmeuble en coproprit en labsence de tout hritier ou lgataire, l'attribution de composante est determine selon la lgislation en matire de succession.
Ingingo ya 14 : Ubwishingizi bwumutungo Article 14: Insurance of the associations Article 14: L'assurance du patrimoine de wishyirahamwe property l'association Ishyirahamwe ryishingira umutungo cyakwangiza icyo ari cyo cyose. ku The association shall insure its property L'association assure son patrimoine contre against any risks. tous risques.
Ba nyiribice byo mu nyubako nibo babifatira The owners of units in a condominium shall Les propritaires des composantes de ubwishingizi. insure their own units. limmeuble en coproprit souscrivent une assurance pour leurs biens propres. Iyo umutungo wo mu nyubako isangiwe ufite ubwishingizi wangiritse, amafaranga yubwishyu bwubwishingizi yishyurwa ishyirahamwe cyangwa umuntu urihagarariye ubifitiye ububasha ngo akoreshwe mu nyungu za ba nyirayo nizabo babereyemo umwenda. Amafaranga yindishyi yibyangijwe nimpanuka cyangwa ibiza akoreshwa mu gusana ibice bihuriweho mu nyubako isangiwe mu gihe isangiramutungo ku nyubako ritasheshwe biturutse kuri bene izo mpanuka cyangwa ibiza. In the case the condominium insured has been damaged, the compensation shall be paid to the association or to its authorized representative for use in the interests of coowners and their creditors. En cas de sinistre sur limmeuble en coproprit assur, les indemnits d'assurance sont verses l'association ou son reprsentant dment autoris, pour tre utilises dans l'intrt des copropritaires et de leurs cranciers. Le montant dindemnits d'assurance en cas des dommages causs par des accidents et des calamits est utilis pour la rhabilitaion et la rparation des parties communes au sein de limmeuble en coproprit, quand ce dernier na pas t dissous comme rsultat desdits accidents et calamits.
The amount of insurance compensation for damages caused by accidents and calamities shall be used for the rehabilitation of common elements in the condominium, when the condominium has not been liquidated as the result of such accidents and calamities.
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Muri icyo gihe, uwakiriye indishyi agomba kugabanya amafaranga yindishyi hakurikijwe uko abagomba kuzihabwa basumbanwa kandi hubahirijwe amategeko.
In such a case, the person who received the amount of compensation shall distribute the funds with respect to the ranks and privileged rights of all creditors in accordance with the law. The funds that remain after payment of all debts defined by the law shall be distributed among the co-owners in proportion to their co-share of participation in the condominium.
Dans ce cas, la personne qui a reu le montant dindemnits distribue ces fonds dindemnisation suivant leur rang et privilges conformment la loi.
Amafaranga asagutse hamaze kwishyurwa imyenda yose ivugwa mu mategeko agabanywa ba nyirumutungo hakurikijwe imigabane buri wese afite mu isangiramutungo ku nyubako.
Les fonds qui restent aprs paiement de toutes les dettes dues de par la loi sont distribus parmi les co-propritaires proportionnellement leur quote-part au sein de limmeuble en coproprit. de
Ingingo 15: Uburyozwe bwishyirahamwe Article 15: Liability of the association of Articles 15 : Responsabilit ryisangiramutungo co-owners lassociation des copropritaires Ishyirahamwe ryishingira uburyozwe buturuka ku isangiramutungo utimukanwa, ntiriryozwa ibikorwa byabanyamuryango baryo kimwe nuko abanyamuryango nabo batishingira uburyozwe bwishyirahamwe. The association shall carry liability in relation to the condominium but shall not carry liability for the obligations of its members; likewise, members shall not carry liability for the obligations of the association.
Lassociation assume la responsabilit en rapport avec limmeuble en coproprit mais nest pas responsable des actes poss par ses mmbres; de meme les copropritaires ne sont responsables des actes poss par lassociation.
UMUTWE WA GATATU: CHAPTER III: RIGHTS AND CHAPITRE III: DROITS ET UBURENGANZIRA NINSHINGANO OBLIGATIONS OF CO-OWNERS IN A OBLIGATIONS DES COBYABASANGIYE UMUTUNGO MU CONDOMINIUM PROPRIETAIRES DUN IMMEUBLE ISANGIRAMUTUNGO KU NYUBAKO Ingingo ya 16: Ihererekanya ryibice bigize Article 16: Transferability of units in a Article 16: Transfrabilit inyubako isangiwe condominium composantes dun immeuble coproprit des en
Abafite ibice mu nyubako isangiwe bagira The owners of units in a condominium shall Les propritaires des composantes dun 47
uburenganzira bwo kubigurisha, kubikodesha, have the right to sell, lease, mortgage, kubigwatiriza, kubitanga cyangwa kubikoresha transfer or use them in any lawful business mu bikorwa byose byubucuruzi byemewe transaction. namategeko. Ingingo ya bugarukira 17: Aho uburenganzira Article 17: Limitations of rights
immeuble en coproprit ont le droit de les vendre, les donner en bail, en hypothque, les aliner ou sen servir dans toute transaction commerciale lgale. Article 17 : Limitations des droits
Abafite ibice bidatuwemo bafite uburenganzira bwo gukoreramo imirimo yubucuruzi hubahirijwe ibiteganywa namategeko, ibiteganywa mu gutegura aho kwisukurira, uburyo bwo kwirinda inkongi yumuriro nibindi. Ibyo ntibigomba kubangamira uburenganzira bwabandi bafite ibice muri iyo nyubako kandi bigomba kubahiriza amategeko shingiro agenga ishyirahamwe ryisangiramutungo. Icyakora amategeko shingiro agenga ishyirahamwe ashobora kugabanya uburenganzira bwo gukoresha ibice byinyubako bitagenewe guturwamo bifitwe nabanyamuryango bishyirahamwe mu gihe hari impamvu zumvikana zo kurinda uburenganzira ninyungu zabandi bantu bafite umutungo muri iyo nyubako.
Owners of non-residential premises have the right to carry out entrepreneurial activities within the premises they own on condition of their observance of legal provisions, sanitary norms, fire-prevention norms and others. They should not undermine the rights of other co-owners and should observe the provisions of Articles of the Association.
Les propritaires des composantes non rsidentielles ont le droit d'entreprendre des activits commerciales au sein de leurs proprits pourvu quils respectent les dispositions lgales, les normes sanitaires, les normes de prvention dincendie et autres. Ils ne doivent pas empiter sur les droits dautres co-propritaires de limmeuble et doivent observer les statuts de lassociation. Toutefois, les statuts de lassociation peuvent limiter la jouissance des droits inhrents aux composantes non rsidentielles au sein de limmeuble en coproprit appartenant aux membres de lassociation si cette limitation est justifie par la protection des droits et des intrts des autres co-propritaires.
However, the Articles of the Association may constrain the right of use in relation to non-residential units within the condominium which are the property of the members of the association when such constraint is justified in terms of protecting the rights and interests of other co- owners.
Ingingo ya 18 : Umutungo usangiwe mu Article 18: Common elements in a Article 18 : Elments communs au sein isangiramutungo ku nyubako condominium dun immeuble en coproprit Ibice bihuriweho nabantu mu isangiramutungo The common elements in a condominium Les lments communes au sein dun 48
ku nyubako hakubiyemo ibice byose byiyo nyubako bihuriweho nabantu barenze umwe, ibyo ni nkubutaka iyo nyubako iriho, ibikuta, igisenge, amabaraza, imiyoboro yimyotsi, ingazi, ibyumba bigenewe gukorerwamo imirimo rusange, ibice byinyubako biri mu nsi yubutaka namagorofa akorerwamo ibya tekiniki, imiyoboro yimyanda, ibyuma bizamukamo abagenzi, ahabikwa ibyuma bikoreshwa nabahanga mu byubwubatsi haba imbere mu nyubako cyangwa hanze yayo bikoreshwa ku bice byinyubako nibura bibiri, ubutaka buhana imbibi ninyubako kimwe nibimera bihari cyangwa ibindi bintu bikoreshwa ninyubako isangiwe.
include all the parts of the property which are in common ownership for more than one person, such as land on which the building is erected, the walls, roof, terraces, chimneys, stairs, halls, basements and technical floors, garbage conduit, lifts, engineering equipment and facilities from inside and outside units or building which serve at least two units, adjacent land as well as the green perennials thereto and other objects designed to serve the condominium.
immeuble en coproprit incluent toutes parties de la proprit qui sont communes plus dune personne tels que le terrain sur lequel limmeuble est bti, les murs, le toit, les terrasses, les chemines, les escaliers, les halls, les sous-sols et les planchers techniques, les conduits d'ordures, les ascenseurs, lquipement technique et autres amnagements tant l'intrieur qu lextrieur des composantes ou des btiments qui servent au moins deux composantes, les terrains contigus avec leurs jardins ainsi que d'autres objets servant limmeuble en coproprit.
Ingingo ya 19 : Uburenganzira ku mutungo Article 19: Rights over common elements usangiwe Ibice bihuriweho mu isangiramutungo ku nyubako ni umutungo usangiwe nabafitemo imigabane. Ibyo ntibishobora guhererekanywa bitandukanyijwe nubundi burenganzira ku mutungo wibice bigize inyubako. The common elements in a condominium are in the joint ownership of co-share owners. The common elements in a condominium cannot be alienated separately from the ownership right in the units which are within the condominium.
Article 19: Droits sur les lments communs Les lments communs au sein dun immeuble en coproprit sont dans la possession commune des copropritaires. Les lments communs au sein dun immeuble en coproprit ne peuvent pas tre alines sparment du droit de proprit sur les composantes qui sont au sein de limmeuble en coproprit. Par accord des propritaires, les lments communs peuvent tre donns une ou plusieurs personnes en garantie, condition dobserver les droits et les intrts des
Hakoreshejwe amasezerano ya ba nyirumutungo, ibice bihuriweho mu isangiramutungo bishobora guhabwa umuntu umwe cyangwa abantu benshi nkingwate
By agreement of co-owners, the common elements may be given as a lien in favour of one or more persons, provided that the rights and interests of the legal owners are 49
byubahirije uburenganzira ninyungu observed. byababifiteho uburenganzira bwemewe mu mategeko. Ikibanza gihana imbibi kimwe nundi mutungo uhuriweho mu isangiramutungo ku nyubako bishobora gukoreshwa mu buryo budasesuye nabandi bantu. Umwe muri ba nyirumutungo uhuriweho nta burenganzira afite bwo gusaba ko igice cyikibanza cyatandukanywa nibindi bintu biri mu mutungo uhuriweho. Ingingo ya 20 : Uruhare isangiramutungo ku nyubako The adjacent land plot and other property in joint ownership in a condominium may be encumbered by the right of limited use of other persons. The owner who has a share in the common elements does not have the right to demand the separation of a part of the land plot from common elements.
propritaires lgaux.
La parcelle contigu et tout autre bien en coproprit au sein de limmeuble en coproprit peuvent tre grevs dun droit dusage limit reconnu d'autres personnes. Le propritaire qui a une part dans les lments communs n'a pas le droit d'exiger la sparation d'une partie de la parcelle des biens qui sont des lments communs.
mu Article 20: Co-share of participation in a Article 20: Quote-part au sein dun condominium immeuble en coproprit The participation co-share of each owner in the common elements in a condominium is proportional to the total surface area of the units possessed by the owner, unless the decision of the general meeting states otherwise. By agreement of co-owners, the participation co-share may be established differently for various groups of co-owners, depending on the type of units they own in the condominium. La quote-part de chaque propritaire dans les lments communs au sein de limmeuble en coproprit est proportionnelle toute la superficie des composantes en sa possession, moins que lassemble gnrale nen dcide autrement. Par accord des copropritaires, la quote-part peut diffrer suivant les diffrents groupes de copropritaires, selon le type de composantes que ces derniers possdent au sein de limmeuble en coproprit.
Uruhare rwa buri wese ufite umugabane mu nyubako iri mu isangiramutungo rubarwa hakurikijwe ubuso bwibice bwite afite mu isangiramutungo, keretse inama rusange iramutse ifashe icyemezo kibiteganya ukundi.
Abafite umutungo babyumvikanyeho, uruhare rwa buri wese rushobora kugaragazwa ku buryo butandukanye ku matsinda yabantu bafite umutungo mu isangiramutungo, bitewe nimiterere yibice bafite mu nyubako.
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Ingingo ya 21: Ibihinduka isangiramutungo ku nyubako
mu Article 21: condominium
Improvements
to
a Article 21: Amnagements au sein dun immeuble en coproprit
Ibihinduka mu isangiramutungo ku nyubako Improvements to a condominium shall be Les amnagements dans un immeuble en bikorwa hakurikijwe amategeko agenga carried out in accordance with the law coproprit se font conformment la imyubakire mu Rwanda. governing housing in Rwanda. lgislation rgissant lhabitat au Rwanda. Article 22 : Uburenganzira ninshingano mu Article 22: Rights and obligations in case Article 22: Droits et obligations en cas de gihe habaye igurisha ryibice of sale of units in a condominium vente des composantes dun immeuble en byisangiramutungo ku nyubako coproprit Mu gihe habayeho ihererekanya ryigice cyisangiramutungo ku nyubako, inshingano nuburenganzira byuwari ufite icyo gice byimukira ku muntu ukibonye. Iyo habaye igurishwa ryigice kimwe mu isangiramutungo ku nyubako, impande zombi zumvikana ku birebana nimyenda yaba yarasigawemo irebana nimirimo ya ngombwa nibindi byakoreshejwe. Iyo ntacyo babivuzeho, iyo myenda yishyurwa nuwaguze. In case of transfer of units, the new coowner takes over all the rights and obligations of the former co-owner in the condominium. En cas de transfert des composantes dun immeuble en coproprit, le nouveau copropritaire acquiert tous les droits et obligations de lancien co-propritaire au sein de limmeuble en coproprit. En cas de vente dune composante de limmeuble en coproprit, les deux parties conviennent sur le rglement des dettes restant dues en rapport avec les services consomms. Dans le cas contraire, le paiement de ces dettes incombent l'acheteur.
In case of sale of one unit in a condominium, both parties stipulate the terms for settling outstanding debts for utilities and other services. Otherwise, the outstanding debts shall be paid by the purchaser.
Ingingo ya 23: Inshingano za nyirigice ku Article 23: Obligations of a unit owner as Article 23: Obligations du propritaire birebana no kwita no gusana igice regards maintenance and repair of a unit dune composante dun immeuble en cyisangiramutungo ku nyubako in a condominium coproprit eu gard son entretien et sa rparation. Nyirigice mu isangiramutungo ku nyubako The unit owner in a condominium is obliged Le propritaire dune composante au sein agomba ubwe gufata neza no gusana ibice to maintain and repair the units he/she owns dun immeuble en coproprit a lobligation 51
atunze. Nta burenganzira afite bwo kwangiza and is not allowed to deteriorate or cyangwa kugira ibibazo yateza ibice otherwise endanger the common elements or bihuriweho cyangwa se igice gitunzwe nundi the unit of any other owner. muntu. Mu gihe yabonye integuza nibura yiminsi itanu (5), nyirigice cyisangiramutungo ku nyubako agomba kwemerera abahagariye ishyirahamwe kwinjira mu gice cye iyo bibaye ngombwa kugenzura, gusana cyangwa gusimbura ibice bihuriweho kandi ibyo bigakorwa igihe nta yindi nzira yo kubigeraho ishobora kuboneka.
dassurer lentretien et la rparation de son unit. Il n a pas le droit dendommager ou de mettre en danger de quelque manire que ce soit les lments communs ou une composante appartenant autrui. Sous rserve dun pravis de 5 jours, le propritaire dune composante de limmeuble en coproprit a lobligation de permettre aux reprsentants de l'association daccder sa composante quand il savre ncessaire d'inspecter, rparer ou remplacer des lments communs et quun tel accs nest possible qu partir de sa composante.
Subject to a five (5) day prior notice, the unit owner is obliged to allow representatives of the association to access his/her unit when it deems necessary to perform an inspection, repair or replacement of common elements and when such access is possible only from within his/her unit.
Iyo byihutirwa kugira ngo hirindwe ingaruka In case of emergency, in order to avoid any En cas durgence et pour viter de graves mbi cyangwa ibiza, nta nteguza itangwa. dire consequences or calamities, no prior consquences ou calamits, lexigence dun notice shall be served. pravis est carte. Kuba nyirigice runaka adakoresha igice cye cyangwa ibice bihuriweho cyangwa kuba yanga kubikoresha ntibiba impamvu yo kutishyura uruhare rwe mu gusana no gufata neza ibice bihuriweho mu isangiramutungo ku nyubako. Ba nyiribice mu isangiramutungo ku nyubako basabwa gukoresha ibyo bice byabo nibice bisangiwe icyo byagenewe nkuko biteganywa niri tegeko. The non-use by the owner of the unit or the refusal to use common elements shall not be reason to exempt him/her from contributing to the common costs for maintenance and repair of the common elements in a condominium. Le propritaire dune composante ne peut pas invoquer la non utilisation de sa composante ou le refus dutiliser les lments communs pour tre exonr du paiement de ses contributions aux dpenses dentretien et de rparation des lments communs de l immeuble en coproprit. Les propritaires des composantes de limmeuble en coproprit ont lobligation de nutiliser leurs composantes et lments communs que conformment leur destination en vertu de la prsente loi.
Unit owners shall be obliged to use their units and common elements only in compliance with their designation in accordance with this law.
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Ingingo ya 24 : Korohereza cyangwa Article 24: Easements guhabwa inzira ku mutungo utimukanwa Ku birebana na buri gice isangiramutungo ku nyubako cyinyubako kigaragiwe agira:
Article 24 : Servitudes
cyo mu In respect of every unit in a condominium, Pour chaque composante dun immeuble en nyirigice the owner of a dominant tenement shall coproprit, le propritaire dun fonds enjoy the following: dominant jouit des droits suivants:
1 uburenganzira bwo gushyigikirwa hasi no 1 an easement for the subjacent and lateral 1 une servitude pour le soutnement den mu mpande nibice rusange bahuriyeho support thereof, by the common bas et le soutnement latral, par les cyangwa nibindi bice badahuriyeho elements or by other units capable of lments communs et par dautres bishobora gukoreshwa gutyo; affording support thereto; composantes capables de servir comme support ; 2 uburenganzira ku nzira yo gucamo 2 easements for the passage or provision 2 les servitudes pour le passage ou la cyangwa ku nzira yamazi, iyimyamda, ku of water, sewerage, drainage, gas, fourniture d'eau, de systme dgouts, de migende yamazi, iya gazi, electricity, garbage, artificially heated or drainage, de gaz, d'lectricit, dordures, iyamashanyarazi, iyimyanda cooled air, and other services through or de climatiseur et d'autres services par ou yakoreshejwe, iyumwuka washyuhijwe by means of any pipes, wires, cables or au moyen de tous les tuyaux, cbles ou cyangwa wakonjeshejwe nibyuma ndetse ducts existing in the land to which the conduits se trouvant dans la parcelle sur no ku bindi bikorwa binyuze mu mpombo, relevant condominium is erected in order laquelle est rig limmeuble en mu nsinga cyangwa mu yindi miyoboro biri to be used by such unit. coproprit et permettant la jouissance mu kibanza kirimo iyo nyubako iri mu par une telle composante. isangiramutungo kandi bigamije gutuma icyo gice cyisangiramutungo ku nyubako kibikoresha. Nyirigice kigaragira agomba korohereza ibindi The owner of the servient tenement shall be Le propritairre du fonds servant a bice byo mu isangiramutungo ku nyubako no obliged to provide easements for passage to lobligation daccorder une servitude de kubiha inzira. other units in a condominium. passage dautres composantes de limmeuble en coproprit.
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Nyirigice mu isangiramutungo ku nyubako The owner of an upper unit in a Le propritaire dune composante suprieure kiri hejuru yikindi gice cyiyo nyubako afite condominium shall be obliged to shelter au sein dun immeuble en coproprit a inshingano yo gutwikira igice kiri munsi lower units. lobligation de couvrir la composante yinyubako ye. infrieure. Ubundi burenganzira bujyanye no koroherezwa Other rights relating to easements for Les autres droits relatifs aux servitudes de no gutanga inzira byemezwa ninama rusange passage shall be approved by the general passage sont approuvs par lassemble yishyirahamwe. meeting of the association. gnrale de lassociation. Ingingo ya 25 : Isoreshwa ryibice byo mu Article 25: Taxation on condominium Article 25: Imposition des composantes isangiramutungo ku nyubako units dun immeuble en coproprit Buri gice cyisangiramutungo ku nyubako hamwe numugabane wacyo mu bice bihuriweho nabandi, gifatwa nkagace kihagije kumutungo utimukanwa. Kubera iyo mpamvu, buri gice cyisangiramutungo ku nyubako hamwe numugabane wacyo mu bindi bice bihuriweho nabandi kibarirwa kandi kigasoreshwa ukwacyo. Iyo icyo gice gikoreshwa mu bindi bikorwa bibyara inyungu, nyiracyo yishyura nindi misoro iteganywa namategeko. Ba nyirumutungo, abakodesha nabakodesha bagura ni bo baryozwa kutishyurira ku gihe ibice batunze cyangwa bakodesha. Each unit in a condominium together with its participation co-share over common elements shall constitute a separate parcel of real estate For this reason, each unit in a condominium together with its participation co-share over common elements shall be separately assessed and taxed. Where such unit is used for other income generating activities, its owner shall pay any other applicable taxes. Owners, tenants and lessees shall carry liability for not paying on time for the units they own or rent. Chaque composante dun immeuble en coproprit ainsi que sa quote-part sur les lments communs constitue un bien immobilier part entire. Pour cette raison, chaque composante dun immeuble en coproprit et sa quote-part sur les lments communs est calcul et impos sparment. Lorsque cette composante est affecte dautres activits gnratrices de revenus, le propritaire paie dautres impts prvus par la loi. Les propritaires, les locataires et les crdit-preneurs sont tenus responsables du retard de paiement dimpts pour les composantes quils possdent ou louent.
54
UMUTWE WA IV: IYANDIKISHA CHAPTER IV: REGISTRATION OF CHAPITRE IV : ENREGISTREMENT RYISANGIRAMUTUNGO KU ACONDOMINIUM AND ITS UNITS DUN IMMEUBLE EN COPROPRIETE NYUBAKO NIBICE BYAYO ET DE SES COMPOSANTES Ingingo ya 26 : Ibyandikwa isangiramutungo ku nyubako mu Article 26: Registration subjects in a Article 26: Sujets d'enregistrement au condominium sein dun immeuble en coproprit A condominium shall be registered in the name of the association of co-owners according to the modalities for land registration. Each unit together with its participation co-share in the common elements shall be registered separately and shall constitute a separate private immovable property according to this law. For the purpose of registration: Un immeuble en coproprit est enregistr au nom de l'association selon les modalits denregistrement des proprits foncires. Chaque composante ainsi que sa quote-part dans les lments communs est enregistre sparment et constitue un bien immobilier part entire en vertu de la prsente loi. Aux fins denregistrement:
Isangiramutungo ku nyubako ryandikwa mu izina ryishyirahamwe hakurikijwe imyandikire yubutaka. Buri gice cyisangiramutungo hamwe numugabane wacyo mu bice bihuriweho cyandikwa ukwacyo kandi kikaba umutungo utimukanwa wihariye hakurikijwe ibiteganywa niri tegeko. Kubera impamvu ziyandikisha:
1 buri gice cyisangiramutungo ku nyubako 1 each unit in a condominium shall have 1 chaque composante dun immeuble en kigira imbibi zacyo zagenwe numupimyi boundaries established by a surveyor coproprit comporte des bornes tablies wemewe na Leta. Ku mpamvu zipimwa, recognized by Government. For the par un arpenteur agr par lEtat. Aux urukuta rwimbere ruba ruri mu bigize igice surveying purpose, an internal wall shall fins darpentage, le mur interne fait cyinyubako naho urukuta rwo hanze be part of the unit, and the external wall, partie de l'unit, tandis que le mur rukaba rubarwa mu bice bihuriweho; shall be part of the common elements; externe fait partie des lments communs; 2 buri gice cyisangiramutungo ku nyubako 2 each unit in a condominium shall have a 2 chaque composante de limmeuble en kigira agaciro gashyirwaho nurwego value fixed by a competent organ. coproprit a une valeur qui est fixe par rwemewe namategeko rubifite mu un organe comptent. nshingano zarwo.
55
Ingingo ya 27: Igitabo cyandikwamo ibice by isangiramutungo ku nyubako Buri muntu wese ufite igice mu isangiramutungo ku nyubako yandikisha igice cye akagiherwa icyemezo cyiyandikisha. Imiterere yicyo cyemezo igenwa nUmubitsi wImpapuro Mpamo zUbutaka.
Article 27: Register for condominium Article 27 : Registre des composantes units dun immeuble en coproprit Each co-owner in a condominium shall have his/her unit registered and be issued a certificate of registration. The format of that certificate shall be determined by the Registrar of Land Titles. Tout propritaire dune composante dun immeuble en coproprit la fait enregistrer et un certificat denregistrement lui est dlivr. Le modle de ce certificat est dtermin par le Conservateur des Titres Fonciers.
Umubitsi wImpapuro Mpamo zUbutaka The Registrar of Land Titles shall Le Conservateur de Titres Fonciers agena, ategura kandi akabika igitabo determine, prepare and keep the Register of dtermine, prpare et garde le registre de cyandikwamo inyandiko mpamo condominium titles. titres des immeubles en coproprit. zisangiramutungo ku nyubako. Igitabo cyandikwamo isangiramutungo ku The condominium register shall consist of Le registre dimmeubles en coproprit est nyubako gikubiyemo uruhererekane rwibitabo series of registers, each relating to one (1) compos dune srie de registres dont kandi buri gitabo kijyanye nigice kimwe (1). unit. chacun porte sur une (1) composante. Ingingo ya nyandiko 28 : Itambamira nizindi Article 28: Caveats and other inscriptions Article 28 inscriptions : Opposition et autres
Mu gihe Umubitsi wImpapuro Mpamo zUbutaka asanze hari itambamira cyangwa izindi nyandiko zigaragara mu gitabo cyimpapuro mpamo zigaragaza umutungo wigice cyo mu isangiramutungo ku nyubako kandi zigira ingaruka kuri icyo gice cyinyubako gusa, agomba kubyongera mu gitabo kigaragaza umutungo ku gice cyisangiramutungo ku nyubako bireba.
The Registrar of Land Titles shall, in the case of caveats or inscriptions appearing on the register of title to the unit in the condominium and he/she is satisfied that such caveats or inscriptions affect only a particular unit, endorse such caveats or inscriptions on the register of title to the concerned unit.
En cas dopposition ou dinscriptions sur le registre du titre de proprit de la composante et sil est convaincu que de telles oppositions ou inscriptions naffectent que la seule composante particulire, le Conservateur des Titres Fonciers les endosse au registre du titre de proprit de la composante concerne.
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Iyo Umubitsi wImpapuro Mpamo zUbutaka adashoboye kwemeza neza itambamira cyangwa izindi nyandiko zigira ingaruka ku bice runaka byisangiramutungo, ashobora komekaho inyandiko ishyirwa mu gitabo cyinyandiko mpamo ngaragazamutungo ivuga ko ibyo bice bifite itambamira cyangwa izindi nyandiko zibifiteho ingaruka aho kuzigaragaza cyangwa kuzivuga mu ncamake.
Where the Registrar of Land Titles is unable to ascertain to his/her satisfaction the caveats or inscriptions which affect the particular units, he/she may, instead of setting out or summarizing them, attach a statement to the effect that the unit is subject to the caveats or other inscriptions in the register.
Lorsque le Conservateur des Titres Fonciers ne parvient pas s'assurer au del de tout doute raisonnable que les oppositions ou inscriptions affectent certaines composantes, il peut, au lieu de les exposer ou les rsumer, ajouter une note au registre de titre de proprit de la composante mentionnant que cette composante fait lobjet dopposition ou dinscriptions.
Ingingo ya 29 Amafaranga yo kwandikisha Article 29: Condominium registration Article 29: Frais denregistrement dun isangiramutungo ku nyubako fees immeuble en coproprit Iyandikisha iryo ari ryo ryose ryisangiramutungo ku nyubako, inyandiko, itambamira, ihererekanyamutungo, ifunguza ryigitabo gishya cyangwa inyandiko zimenyesha ryishyurwaho amafaranga ateganywa nIteka rya Minisitiri ufite Ubutaka mu nshingano ze. UMUTWE ZISOZA WA GATANU: Any condominium registration, inscription, caveat, transfer, opening of a new register or lodgment of notification shall be charged a fee determined by an Order of the Minister in charge of lands. Tout enregistrement dun immeuble en coproprit, inscription, opposition, transfert, ouverture dun nouveau registre ou notifications est opr la suite du versement dun montant dtermin par Arrt du Ministre ayant les terres dans ses attributions. CHAPITRE FINALES V: DISPOSITIONS
INGINGO CHAPTER V: FINAL PROVISIONS
Ingingo ya 30: Guha agaciro iyandikisha Article 30: Validation ryuburenganzira mu isangiramutungo condominium registration ryakozwe Inyandiko ziyandikisha zatanzwe nurwego rubifitiye ububasha mbere yuko iri itegeko ritangazwa mu Igazeti ya Leta ya Repubulika yu Rwanda zigomba guhuzwa nibisabwa niri
of
existing Article 30: Validation de lenregistrement effectu pour les immeubles en coproprit Les certificats denregistrement des immeubles en coproprit dlivrs par lorgane comptent avant la publication de la prsente loi au Journal Officiel de la
Existing certificates of condominium registration issued by a competent organ prior to the publication of this law in the Official gazette of the Republic of Rwanda 57
tegeko mu gihe kitarenze imyaka itatu (3).
shall conform to the requirements of this law Rpublique du Rwanda doivent se in a period not exceeding three (3) years. conformer aux exigences de la prsente loi dans un dlai ne dpassant pas trois (3) ans.
Ingingo ya 31: Itegurwa, isuzumwa nitorwa Article 31: Drafting, consideration and Article 31: Initiation, examen et adoption ryiri tegeko adoption of this law de la prsente loi Iri tegeko ryateguwe mu rurimi This law was drafted in English, considered La prsente loi a t initie en anglais, rwIcyongereza, risuzumwa kandi ritorwa mu and adopted in Kinyarwanda. examine et adopte en Kinyarwanda rurimi rwIkinyarwanda. Ingingo ya 32: Ivanwaho ryingingo Article 32: Repealing of inconsistent Article 32 : Disposition abrogatoire zamategeko zinyuranyije niri tegeko provisions Ingingo zose zamategeko zibanziriza iri kandi All prior legal provisions inconsistent with Toutes les dispositions lgales antrieures zinyuranije naryo zivanyweho. this law are hereby repealed. contraires la prsente loi sont abroges. Ingingo ya 33: Igihe iri tegeko ritangira Article 33: Commencement gukurikizwa Article 33: Entre en vigueur
Iri tegeko ritangira gukurikizwa ku munsi This law shall come into force on the date of La prsente loi entre en vigueur le jour de sa ritangarijweho mu Igazeti ya Leta ya its publication in the Official Gazette of the publication au Journal Officiel de la Repubulika yu Rwanda. Republic of Rwanda. Rpublique du Rwanda.
Kigali, kuwa 07/05/2010
Kigali, on 07/05/2010
Kigali, le 07/05/2010
58
(s) KAGAME Paul Perezida wa Repubulika
(s) KAGAME Paul President of the Republic
(s) KAGAME Paul Prsident de la Rpublique
(s) MAKUZA Bernard Minisitiri wIntebe
(s) MAKUZA Bernard Prime Minister
(s) MAKUZA Bernard Premier Ministre
Bibonywe kandi bishyizweho Ikirango cya Repubulika: (s) KARUGARAMA Tharcisse Minisitiri wUbutabera /Intumwa Nkuru ya Leta
Seen and sealed with the Seal of the Republic: (s) KARUGARAMA Tharcisse Minister of Justice/Attorney General
Vu et scell du Sceau de la Rpublique:
59
ITEGEKO N16/2010 RYO KUWA 07/05/2010 RIGENA UBURYO BWIHEREREKANYAMAKURU KU MYENDA MU RWANDA ISHAKIRO
LAW N16/2010 GOVERNING INFORMATION RWANDA
07/05/2010 LOI N16/2010 DU 07/05/2010 CREDIT REGISSANT LE SYSTEME DE SYSTEM IN GESTION DINFORMATIONS SUR LE CREDIT AU RWANDA TABLE DES MATIERES
OF
TABLE OF CONTENTS
UMUTWE RUSANGE
WA
MBERE:
ONE:
GENERAL CHAPITRE PREMIER: DISPOSITIONS GENERALES Article premier: Objet de la prsente loi
Ingingo ya mbere: Icyo iri tegeko rigamije Ingingo ya 2: Ibisobanuro byamagambo
Article One: Purpose of this Law
Article 2: Definitions of terms
Article 2: Dfinitions des termes
UMUTWE WA II: INSHINGANO ZA CHAPTER II: ROLE BANKI NKURU CENTRAL BANK
OF
THE CHAPITRE II: ROLE DE LA BANQUE CENTRALE
Ingingo ya 3: Inshingano zo kugenzura no Article 3: Supervisory and regulatory role Article 3 : Rle de supervision et de gushyiraho ibikurikizwa rglementation
Ingingo ya 4: Guhana amakuru hagati Article 4: Cross border information Article 4: Echange yibihugu sharing dinformations UMUTWE WA III: KWEMERERWA CHAPTER III: LICENSING
transfrontalier
CHAPITRE III: AGREMENT Article 5 : Ncessit dagrment
Ingingo ya 5: Icyemezo cyo gukora imirimo Article 5: License requirement yikigo
60
Ingingo ya 6: Gusaba kwemererwa
Article 6: Licensing application
Article 6: Demande dagrment Article 7: Critres dagrment
Ingingo ya 7: Ibikurikizwa mu kwemererwa
Article 7: Criteria for license
Ingingo ya 8: Imari-shingiro
Article 8: Capital requirements
Article 8 : Capital exig
Ingingo ya 9: Ikuraho cyangwa ihagarikwa Article 9: Revocation or suspension of Article 9: Rvocation ou suspension de ryiyemererwa license l'agrment
UMUTWE WA IV: IKIGO Ingingo ya 10: Ibikorwa byemerewe ikigo
CHAPTER IV: CREDIT BUREAU Article 10: Permissible activities of credit bureau
CHAPITRE IV : BUREAU DE CRDIT Article 10: Activits permises au bureau de crdit Article 11. Responsabilits du bureau de crdit par rapport aux oprations
Ingingo ya 11: Ibisabwa ikigo mu bijyanye Article 11: Duties of credit bureau with nimikorere respect to operations
Ingingo ya 12: Ibisabwa ikigo mu byerekeye Article 12: Requirements to the credit Article 12:Conditions observer par le abo bakorana nabakiliya bureau with respect to participants and bureau de crdit concernant les customers participants et les clients Ingingo ya ryamakuru 13: Ibisabwa mu ibikwa Article 13: Data retention requirements Article 13 : Exigence de sauvegarde de donnes
Ingingo ya 14: Impamvu gukoresha raporo yikigo Ingingo ya 15:
zemewe
zo Article 14 Permissible purposes for using Article 14 : Motifs permis dutilisation du credit bureau report rapport du bureau de crdit Article 15 : Tarification permise l'gard
Amafaranga
yemewe Article 15: Permissible fees for services 61
kurihwa ku mirimo yakozwe UMUTWE AMAKURU WA V: ABATANGA CHAPTER V: DATA PROVIDERS
des services fournis CHAPITRE V : FOURNISSEURS D'INFORMATIONS Article 16 : d'informations Article 17 : fournisseur d'informations Rle des fournisseurs
Ingingo ya 16: Uruhare rwutanga amakuru
Article 16: Role of a data provider
Ingingo ya 17: Ibisabwa utanga amakuru
Article 17: Duties of a data provider
Responsabilits
du
Ingingo ya 18: Amakuru agomba gutangwa Article 18: Information to be provided to mu kigo the credit bureau
Article 18 : Informations transmettre au bureau de crdit
Ingingo ya 19: Ahandi hava amakuru Article 19: Other sources of information Article 19 : Autres sources d'information atangwa mu kigo for credit bureau dun bureau de crdit Ingingo ya 20: Amakuru yerekeye umukiliya Article 20: Customer information not to adatangwa muri raporo zimyenda be reported in credit reports Kutanyuranya nandi Article 21: No violation of other laws Article 20 : Informations sur le client exclure des rapports de crdit Article 21 : Non-violation dautres lois
Ingingo ya mategeko
21:
UMUTWE VI: ABAFATABUGUZI
CHAPTER VI: SUBSCRIBERS
CHAPITRE VI : ABONNES Article 22 : Abonns et leur rle
Ingingo ya 22: Abafatabuguzi nuruhare Article 22: Subscribers and their role rwabo Ingingo ya 23: Inshingano zumufatabuguzi Article 23: Duties of a subscriber 62
Article 23 : Responsabilits de l'abonn
Ingingo ya 24: Inyandiko ihakana
Article 24: Adverse action notice
Article 24 : Avis d'action dfavorable
UMUTWE WA VII: URUHUSHYA RWO CHAPTER VII: CONSENT TO ACCESS CHAPTER VII: CONSENTEMENT KUGERA KU MAKURU INFORMATION POUR ACCEDER A LINFORMATION Ingingo ya 25: Gusabwa kubona uruhushya Article 25: Requirement to obtain consent Article 25:Obligation d'obtenir le rwumukiliya usanzwe cyangwa umushya from existing or new client consentement du client actuel ou nouveau Ingingo ya 26: Gusabwa kubona uruhushya Article 26: Requirement to obtain specific Article 26: Obligation d'obtenir le rwihariye cyangwa urufatwa nkarwo ku consent or consent deemed specific from consentement spcifique ou le bakiliya basanzwe cyangwa aba kera existing and former clients consentement rput spcifique des clients actuels et anciens UMUTWE WA VIII: AMABANGA CHAPTER VIII: CONFIDENTIALITY CHAPITRE VIII : CONFIDENTIALIT
Ingingo ya amabanga
27:
Inshingano
zerekeye Article 27: Obligation of confidentiality
Article 27 : Obligation de confidentialit
UMUTWE WA IX: UBURENGANZIRA CHAPTER IX: CUSTOMERS RIGHTS BWUMUKILIYA Ingingo ya 28: Uburenganzira bwo guhabwa Article 28: Right to access information amakuru Ingingo ya 29: Impaka zerekeye amakuru Article 29: Dispute of information
CHAPITRE IX : DROITS DU CLIENT Article 28 : Droit daccs l'information Article 29 : Contestation dinformations
Ingingo ya 30: Ikiguzi cyishyurwa ku Article 30: Costs on investigation service byakozwe mu iperereza
Article 30 : Frais relatifs aux services dinvestigation
63
Ingingo ya 31: Isubirishamo ryibyavuye mu Article 31: Review of the credit bureau Article 31 : Rvision des rsultats iperereza ryikigo investigation dinvestigation du bureau de crdit
UMUTWE WA X: IMIYOBORERE Ingingo ya 32: Inama y Ubuyobozi
CHAPTER X: GOVERNANCE
CHAPITRE X : GOUVERNANCE Article 32 : Conseil dAdministration
Article 32: Board of Directors
UMUTWE WA XI: IHINDUKA CHAPTER XI: CHANGE OF CHAPITRE XI : CHANGEMENT DE RYABANYAMIGABANE NISESWA MEMBERSHIP AND LIQUIDATION MEMBRES ET LIQUIDATION Ingingo ya 33: Ihinduka ryabanyamigabane Article 33: Change of membership
Article 33 : Changement de membres
Ingingo ya 34: Iseswa cyangwa igoboka Article 34: Liquidation or intervention in Article 34 : Liquidation ou intervention ryikigo favour of a credit bureau en faveur dun bureau de crdit Ingingo ya 35: Ahakusanyirizwa amakuru Article 35: Database Article 35: Base de donnes
UMUTWE WA XII: IBISABWA GUTANGA ZA RAPORO Ingingo ya 36: Raporo zitangwa
MU CHAPTER XII: REQUIREMENTS
REPORTING
CHAPITRE XII : EXIGENCES RELATIVES AUX RAPPORTS Article 36 : Rapports exigs
Article 36: Reports required
Ingingo ya 37: Ububasha bwa Banki Nkuru Article 37: Supervisory powers of the Article 37 : Pouvoirs de supervision de la bwo gukora igenzura Central Bank Banque Centrale
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UMUTWE WA XIII: IBIHANO
CHAPTER XIII: SANCTIONS
CHAPITRE XIII: SANCTIONS
Ingingo ya 38: Ububasha bwo gushyiraho Article 38: ibihano sanctions
Authority
to
administer Article 38: Pouvoir de fixer des sanctions
UMUTWE WA XIV: INGINGO CHAPTER XIV: TRANSITIONAL AND CHAPITRE XIV : DISPOSITIONS ZINZIBACYUHO NIZISOZA FINAL PROVISIONS TRANSITOIRES ET FINALES Ingingo ya 39: Ingingo yinzibacyuho Ingingo ya 40: Itegurwa, isuzumwa nitorwa ryiri tegeko Article 39: Transitional provision Article 39 : Disposition transitoire
Article 40: Drafting, consideration and Article 40 : Initiation, examen et adoption adoption of this Law de la prsente loi
Ingingo ya 41: Ivanwaho ryingingo Article 41: Repealing of inconsistent Article 41: Disposition abrogatoire zamategeko zinyuranyije niri tegeko provisions Ingingo ya 42 : Igihe iri tegeko ritangira Article 42: Commencement gukurikizwa Article 42: Entre en vigueur
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ITEGEKO N16/2010 RYO KUWA 07/05/2010 RIGENA UBURYO BWIHEREREKANYAMAKURU KU MYENDA MU RWANDA Twebwe, KAGAME Paul, Perezida wa Repubulika; INTEKO ISHINGA AMATEGEKO YEMEJE, NONE NATWE DUHAMIJE, DUTANGAJE ITEGEKO RITEYE RITYA KANDI DUTEGETSE KO RYANDIKWA MU IGAZETI YA LETA YA REPUBULIKA YU RWANDA
LAW N16/2010 GOVERNING INFORMATION RWANDA
07/05/2010 LOI N16/2010 DU 07/05/2010 CREDIT REGISSANT LE SYSTEME DE SYSTEM IN GESTION DINFORMATIONS SUR LE CREDIT AU RWANDA Nous, KAGAME Paul, Prsident de la Rpublique; LE PARLEMENT A ADOPTE ET NOUS SANCTIONNONS, PROMULGUONS LA LOI DONT LA TENEUR SUIT ET ORDONNONS QUELLE SOIT PUBLIEE AU JOURNAL OFFICIEL DE LA REPUBLIQUE DU RWANDA
OF
We, KAGAME Paul, President of the Republic; THE PARLIAMENT HAS ADOPTED, AND WE SANCTION, PROMULGATE THE FOLLOWING LAW AND ORDER IT BE PUBLISHED IN THE OFFICIAL GAZETTE OF THE REPUBLIC OF RWANDA
THE PARLIAMENT:
LE PARLEMENT:
Umutwe wAbadepite, mu nama yawo yo kuwa The Chamber of Deputies, in its session of La Chambre des Dputs, en sa sance du 23 23 Mata 2010; 23 April 2010; avril 2010; Ishingiye ku Itegeko Nshinga rya Repubulika yu Rwanda ryo kuwa 04 Kamena 2003, nkuko ryavuguruwe kugeza ubu, cyane cyane mu ngingo zaryo iya 22, iya 62, iya 66, iya 67, iya 90, iya 92, iya 93, iya 94, iya 108, iya 118 niya 201; Pursuant to the Constitution of the Republic of Rwanda of 04 June 2003, as amended to date, especially in Articles 22, 62, 66, 67, 90, 92, 93, 94, 108, 118 and 201; Vu la Constitution de la Rpublique du Rwanda du 04 juin 2003, telle que rvise ce jour, spcialement en ses articles 22, 62, 66, 67, 90, 92, 93, 94, 108, 118 et 201;
Ishingiye ku Itegeko n 50/2007 ryo kuwa Pursuant to Law no 50/2007 of 18/09/2007 Vu la Loi n 50/2007 du 18/09/2007 portant 18/09/2007 rigena Ishyirwaho, Imiterere providing for the Establishment, cration, organisation et fonctionnement des nImikorere yAmakoperative mu Rwanda; Organization and Functioning of Socits Coopratives au Rwanda; Cooperative Organizations in Rwanda; 66
Ishingiye ku Itegeko n 55/2007 ryo kuwa Pursuant to Law no 55/2007 of 30/11/2007 30/11/2007 rigenga Banki Nkuru yu Rwanda governing the Central Bank of Rwanda, cyane cyane mu ngingo zaryo iya 5, iya 6, iya especially in Articles 5, 6, 53, 56 and 57; 53, iya 56 niya 57;
Vu la Loi n 55/2007 du 30/11/2007 rgissant la Banque Nationale du Rwanda, spcialement en ses articles 5, 6, 53, 56 et 57;
Ishingiye ku Itegeko n 007/2008 ryo kuwa Pursuant to Law no 007/2008 of 08/04/2008 Vu la Loi n 007/2008 du 08/04/2008 08/04/2008 rigena Imitunganyirize yImirimo concerning Organization of Banking, portant organisation de lactivit bancaire, yAmabanki, cyane cyane mu ngingo zaryo iya especially in Articles 1 and 59; spcialement en ses articles 1 et 59; 1 niya 59; Ishingiye ku Itegeko n 40/2008 ryo kuwa Pursuant to Law no 40/2008 of 26/08/2008 Vu la Loi n 40/2008 du 26/08/2008 portant 26/08/2008 rigena imitunganyirize yImirimo Establishing the Organization of Micro organisation de lactivit de micro finance, yImari Iciriritse, cyane cyane mu ngingo yaryo Finance activities, especially in Article 2; spcialement en son article 2; ya 2; Ishingiye ku Itegeko n 52/2008 ryo kuwa Pursuant to Law no 52/2008 of 10/09/2008 Vu la Loi no 52/2008 du 10/09/2008 portant 10/09/2008 rigena imitunganyirize yumurimo concerning the Organization of Insurance organisation des socits dassurances, wubwishingizi, cyane cyane mu ngingo yaryo business, especially in Article 2; spcialement en son article 2; ya 2; Ishingiye ku Itegeko n 07/2009 ryo kuwa Pursuant to Law n 07/2009 of 27/04/2009 Vu la Loi n 07/2009 du 27/04/2009 relative 27/04/2009 ryerekeye amasosiyete relating to companies; aux socits commerciales; yubucuruzi; Ishingiye ku Itegeko n 12/2009 ryo kuwa 26/05/2009 ryerekeye izahura ryubucuruzi nirangiza ryibibazo biturutse ku gihombo, cyane cyane mu ngingo zaryo iya 55 niya 56; Pursuant to Law no 12/2009 of 26/05/2009 relating to busness recovery and settling of issues arising from insolvency, especially in Articles 55 and 56; Vu la Loi no 12/2009 du 26/05/2009 relative au redressement des affaires et au rglement des problmes dinsolvabilit, spcialement en ses articles 55 et 56;
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YEMEJE:
ADOPTS:
ADOPTE:
UMUTWE RUSANGE
WA
MBERE:
ONE:
GENERAL CHAPITRE PREMIER: DISPOSITIONS GENERALES Article premier: Objet de la prsente loi
Ingingo ya mbere: Icyo iri tegeko rigamije
Article One: Purpose of this Law
Iri tegeko rigena uburyo This Law governs the credit information La prsente loi rgit le systme de gestion bwihererekanyamakuru ku myenda mu system in Rwanda. dinformations sur le crdit au Rwanda. Rwanda. Ingingo ya 2: Ibisobanuro byamagambo Article 2: Definitions of terms Article 2: Dfinitions des termes
Muri iri asobanura:
itegeko,
amagambo
akurikira Under this Law, the following terms shall be Pour la prsente loi, les termes suivants sont defined as follows: dfinis comme suit: 1 requrant: une personne qui, de manire formelle, gnralement par crit, fait une demande de crdit ou dautres services y relatifs;
1 usaba: umuntu wasabye mu buryo 1 applicant: a person who has formally bwagenwe, ubusanzwe mu nyandiko, applied, usually in writing, for credit or guhabwa umwenda cyangwa imirimo related services; ijyana na wo; 2 Banki Nkuru: Banki Nkuru yu Rwanda;
2 Central Bank: the National Bank of 2 Banque Centrale: la Banque Nationale Rwanda; du Rwanda ;
3 uruhushya: uruhushya rwumukiliya 3 consent: a customer or guarantors 3 consentement : autorisation accorde cyangwa umwishingiye rwemerera authorization to allow a subscriber to par le client ou par la caution labonn umufatabuguzi gusaba raporo yamakuru request for a credit bureau report and its lui permettant de demander un rapport de ku myenda nikoreshwa ryayo nkuko use under this Law; crdit et son utilisation tel que prvu par bisobanurwa muri iri Tegeko; la prsente loi ; 68
4 ikigo: ikigo cyanditswe kandi gifite 4 credit bureau: a company properly imikorere hakurikijwe amategeko yu organized and registered under the laws Rwanda, cyemerewe na Banki Nkuru of Rwanda, and licensed by the Central gukora imirimo ijyanye no kwegeranya no Bank to engage in the credit bureau guhererekanya amakuru ku myenda; activities; 5 raporo yikigo: raporo yanditse, iri mu 5 credit bureau report: a written, oral or mvugo cyangwa ikoresheje ubundi buryo other communication to a subscriber bwihanamakuru yohererejwe made by a credit bureau which contains umufatabuguzi, bikozwe nikigo, irimo a full or partial disclosure of information amakuru yuzuye cyangwa atuzuye, abikwa contained in the credit bureaus ahakusanyirizwa amakuru yikigo; database; 6 amakuru yerekeye imyenda: amakuru 6 credit information: information yerekeye umwirondoro wumukiliya concerning a customers identification nimiterere yamateka yimyenda ye and credit history, as defined under this nkuko bigenwa niri tegeko; Law; 7 umukiliya: umuntu ufunguriwe idosiye 7 customer: a person to whom a file is nIkigo; created by a credit bureau;
4 bureau de crdit : une entreprise organise et enregistre conformment la lgislation rwandaise et qui est autorise, par la Banque Centrale, exercer les activits d'un bureau de crdit ; 5 rapport dun bureau de crdit: informations crites, orales ou autres transmises par un bureau de crdit un abonn, sur le contenu total ou partiel de la base de donnes du bureau de crdit; 6 dossier de crdit : informations sur l'identit du client et l'historique de crdit, telles que dfinies dans la prsente loi; 7 client : une personne l'gard de laquelle un dossier est constitu par un bureau de crdit; 8 information sur le client : donnes sur le client ou sur la caution, fournies sous format lectronique ou sur papier, collectes, regroupes, stockes, dissmines et autrement traites par un bureau de crdit;
8 amakuru ku mukiliya: amakuru ku 8 customer information: data on bakiliya cyangwa abishingizi hakoreshejwe customers or guarantors in electronic or za mudasobwa cyangwa impapuro, paper form that is collected, collated, amakuru yakusanyijwe, yegeranijwe, stored, disseminated and otherwise yabitswe, yakwirakwijwe nubundi buryo handled by a credit bureau; bwakoreshejwe nikigo;
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9 ahakusanyirizwa amakuru: amakuru ari 9 data base: a set of information 9 base de donnes : un ensemble hamwe acungwa nikigo; administered by a credit bureau; dinformations gres par un bureau de crdit; 10 utanga amakuru: umuntu utanga amakuru 10 data provider: a person that submits 10 fournisseur d'informations : une ku mukiliya ayaha ikigo ashingiye ku customer information to a credit bureau, personne qui transmet les donnes bikubiye mu masezerano ariho yo gutanga pursuant to the terms of a valid data concernant le client un bureau de crdit amakuru nyayo nahandi haturuka amakuru submission agreement, and other sources selon les modalits fixes par un accord hemewe nitegeko; of information recognized by the Law; de transmission de donnes et les autres sources dinformation reconnues par la loi; 11 igitabo gituma amakuru asabwa asa: 11 data standardization manual: a list of 11 manuel de normalisation de donnes : urutonde rwamakuru abatanga amakuru information which data providers shall liste de donnes collectes par les bakusanya bagatanga mu kigo, mu ngano collect and submit to a credit bureau, in fournisseurs dinformations et transmise yagenwe na Banki Nkuru; a format determined by the Central au bureau de crdit selon un format fix Bank; par la Banque Centrale; 12 amasezerano yo gutanga amakuru: 12 data submission agreement: an 12 accord de transmission de donnes : amasezerano hagati yikigo nutanga agreement between a credit bureau and a contrat entre un bureau de crdit et un amakuru yerekana ibikurikizwa mu gutanga data provider that sets forth the fournisseur d'informations par lequel amakuru ku bakiliya ndetse nizindi ngingo modalities for the submission of sont fixes les modalits de transmission zifatika zibyumvikanyweho; customer information as well as other dinformations sur les clients et autres material terms of the arrangement; clauses substantielles de laccord; 13 umwishingizi: umuntu wasezeranye 13 guarantor: a person who promises to 13 caution : personne qui sengage payer kwishyura umwenda mu gihe uwagombaga pay a debt if the person who should pay une dette en cas de dfaillance du kuwishyura atabikoze; does not; dbiteur; 14 abategetswe gukorana nikigo: abantu 14 mandatory participants: persons 14 participants obligatoires : les basabwa gukora nkabatanga amakuru required to serve as data providers and personnes tenues d'agir en tant que nabafatabuguzi ni: subscribers are: fournisseurs d'informations et en tant 70
quabonns sont : a) amabanki nibigo byimari nkuko bigenwa nItegeko rigena imitunganyirize yimirimo yamabanki bitanga imyenda cyangwa mu bundi buryo yinjira mu murimo wo gutanga imyenda; b) ibigo byimari biciriritse byo mu rwego rwa gatatu nurwa kane, nkuko bigenwa nItegeko rigena Imitunganyirize yimirimo yImari iciriritse; c) amasosiyete yubwishingizi nkuko bigenwa nItegeko rigena imitunganyirize yumurimo wubwishingizi. a) banks and financial institutions as defined in the Law concerning organization of banking that extend credit or otherwise engage in lending; a) les banques et les institutions financires telles que dfinies dans la loi portant organisation de lactivit bancaire et qui donnent des crdits ou exercent autrement des oprations de crdit ; b) institutions de microfinance de la troisime et de la quatrime catgorie telles que dfinies dans la loi portant organisation de lactivit de microfinance ; c) socits dassurance telles que dfinies dans la loi rgissant les socits dassurance;
b) microfinance institutions of the third and fourth categories as defined in the Law governing the Organization of Micro Finance activities; c) insurance companies as defined in the Law concerning the Organization of Insurance Business;
15 abakorana nikigo: abategetswe gukorana 15 participants: both mandatory 15 participants: les participants nikigo nabakorana na cyo ku bushake participants and voluntary participants obligatoires et les participants kandi harimo abatanga amakuru including both data providers and volontaires comprennant la fois les nabafatabuguzi; subscribers; fournisseurs d'informations et les abonns ; 16 umufatabuguzi: umuntu ufite uruhare mu 16 subscriber: a person that is a party to a 16 abonn: personne lie par un accord masezerano yifatabuguzi nikigo kandi ku subscription agreement and is otherwise dabonnement et autorise obtenir des bundi buryo akaba yemerewe kubona eligible to access credit bureau reports; rapports produits par le bureau de crdit ; raporo zacyo; 17 amasezerano yifatabuguzi: amasezerano 17 subscription agreement: an agreement 17 accord dabonnement: entente entre un 71
hagati yikigo nuwiyemeje gukorana na cyo ashyiraho uburyo bwo gusaba raporo yikigo, ndetse nizindi ngingo zifatika zibyumvikanyweho;
between a credit bureau and a subscriber that sets forth the modalities for requesting a credit bureau report, as well as other material terms of the arrangement;
bureau de crdit et un abonn par laquelle sont dtermines les modalits de demande de rapport de crdit, et dautres clauses substantielles de laccord ;
18 ukorana nikigo ku bushake: umuntu 18 voluntary participant: a person who 18 participant volontaire : personne qui ukora nkutanga amakuru, umufatabuguzi serves as a data provider, subscriber or agit en tant que fournisseur cyangwa bombi, bishingiye ku bushake. both, on a voluntary basis. dinformations ou abonn, ou les deux, sur une base volontaire. UMUTWE WA II: INSHINGANO ZA CHAPTER II: ROLE BANKI NKURU CENTRAL BANK OF THE CHAPITRE II: ROLE DE LA BANQUE CENTRALE
Ingingo ya 3: Inshingano zo kugenzura no Article 3: Supervisory and regulatory Article 3 : Rle de supervision et de gushyiraho ibikurikizwa role rglementation Banki Nkuru ifite inshingano zo kugenzura no The Central Bank shall have overall La Banque Centrale exerce le pouvoir de gushyiraho amabwiriza rusange mu byerekeye supervisory and regulatory authority with supervision et de rglementation du systme uburyo bwihererekanyamakuru ku myenda. respect to the credit information system. de gestion des informations de crdit. Byumwihariko, Banki Nkuru ifite inshingano Particularly, the Central Bank has the De faon particulire, la Banque Centrale zikurikira: authority to: exerce le pouvoir de: 1 gutanga no kuvanaho iyemererwa ryikigo; 2 kugenzura ibikorwa byikigo, abakorana na byo nabakozi babyo; 3 gushimangira ibigenderwaho nyakuri mu myitwarire no mu 1 issue and revoke credit bureau licenses; 2 supervise the activities of the credit bureaus, participants, and their agents; 3 maintain proper standards of conduct and acceptable credit 72 1 2 dlivrer ou retirer lagrment des bureaux de crdit ; superviser les activits des bureaux de crdit, des participants ainsi que les activits leurs agents; assurer les normes de conduite et les bonnes pratiques de centralisation
mikorere yakwemerwa mu itangwa ryamakuru yerekeye imyenda; 4 kohereza amabwiriza yanditse ku kigo nabakorana na cyo, ku giti cyabo cyangwa bose hamwe, ibategeka gukosora icyagaragaye icyo ari cyo cyose kitakurikije iri tegeko cyangwa amabwiriza rusange namabwiriza arishyira mu bikorwa ashyirwaho na Banki Nkuru; 5 gushyiraho amabwiriza rusange namabwiriza ku kigo nabo bakorana hakurikijwe iri tegeko;
information reporting practices; 4 send written instructions to credit bureaus and participants, individually or collectively, directing them to correct any identified violation of this Law or the implementing regulations and instructions issued by the Central Bank; 5 enact regulations and instructions for credit bureaus and participants in compliancy with this law; 4
dinformations sur les crdits; transmettre des instructions crites aux bureaux de crdit et aux participants, individuellement ou collectivement, dans le but de corriger toute violation de la prsente loi ou des mesures dexcution et des instructions mises par la Banque Centrale; adopter, conformment la prsente loi, des rglements et des instructions concernant les bureaux de crdit et les participants;
6 gufata ingamba mu kurengera inyungu zabakiliya; 7 guhana abatubahirije iri tegeko namabwiriza; 8 gutegeka gutanga raporo nandi makuru kuri Banki Nkuru; 9 gukora igenzura risanzwe nigenzura mikorere; 10 gusuzuma no kwemeza imikorere yimirimo, ukuri kwamakuru nimiterere yibiciro igihe ibona bikwiriye. 11 gukora indi mirimo nkuko
6 take measures to protect the interests of customers; 7 impose penalties for contravention of this Law, regulations and instructions; 8 require the submission of reports and other information to the Central Bank; 9 conduct inspections and technical audits; 10 review and approve operating procedures, data integrity, and fee structures, as it deems appropriate;
prendre des mesures afin de protger les intrts des clients; 7 imposer des pnalits en cas de violation de la prsente loi, des rglements et instructions; 8 exiger que des rapports et dautres informations soient transmis la Banque Centrale; 9 effectuer des inspections et des audits techniques; 10 rviser et approuver les modalits de fonctionnement, dintgrit des donnes, et de tarification quand il le juge appropri; 11 exercer d'autres fonctions telles que
11 perform such other functions as 73
biteganywa niri tegeko cyangwa ku buryo bundi bigaragara ko ari ngombwa kugira ngo uburyo bwihererekanyamakuru ku myenda bukorwe neza mu Rwanda.
specified in this Law or otherwise deemed necessary to ensure the effectiveness of the credit information system in Rwanda.
dcrites dans la prsente loi ou quelle juge ncessaires pour assurer le bon fonctionnement du systme d'information de crdit au Rwanda.
Ingingo ya 4: Guhana amakuru hagati Article 4: Cross border information Article 4: Echange yibihugu sharing dinformations Banki Nkuru ifite ububasha bwo kwemeza ihererekanyamakuru ku bakiliya hanze yimipaka yu Rwanda cyane cyane nibihugu bigize Umuryango wIbihugu bya Afurika yIburasirazuba, hashingiwe ku bikubiye mu masezerano hagati ya Banki Nkuru nurundi rwego rufite ububasha bwo gutanga uruhushya rwo gukora uwo murimo mu kindi gihugu cyangwa Umuryango wIbihugu bya Afurika yIburasirazuba. UMUTWE WA III: KWEMERERWA The Central Bank shall have the authority to approve the sharing of customer information beyond the borders of Rwanda, specifically with respect to other member States of the East African Community, subject to the terms and conditions of a Memorandum of Understanding between the Central Bank and the other credit bureau licensing authority of the other country or the East African Community. CHAPTER III: LICENSING
transfrontalier
La Banque Centrale approuve lchange dinformations sur les clients lextrieur du Rwanda, spcialement avec les autres pays membres de la Communaut de lAfrique de lEst, selon les modalits dun protocole dentente sign entre la Banque Centrale et lautorit de rgulation des bureaux de crdit dun autre pays ou des pays de la Communaut de lAfrique de lEst.
CHAPITRE III: AGREMENT Article 5 : Ncessit dagrment
Ingingo ya 5: Icyemezo cyo gukora imirimo Article 5: License requirement yikigo
Gukora imirimo yikigo bigomba icyemezo To engage in the business of credit bureau Lexercice des activits dun bureau de gitangwa na Banki Nkuru. requires a license from the Central Bank. crdit ncessite lagrment de la Banque Centrale. Ingingo ya 6: Gusaba kwemererwa Article 6: Licensing application Article 6: Demande dagrment
Banki Nkuru, binyuze mu mabwiriza, igena The Central Bank shall, by regulation, La Banque Centrale prcise, par rglement, 74
ibikurikizwa mu kwemererwa kimwe specify the procedures to be followed to nibyangombwa bisabwa ninyandiko obtain a license, as well as the information ziherekeza isaba. to be included and documents required for the license application.
la procdure dtaille suivre pour lobtention dagrment ainsi que les renseignements et les pices ncessaires la constitution du dossier de demande dagrment. Article 7: Critres dagrment
Ingingo ya 7: Ibikurikizwa mu kwemererwa Banki Nkuru imaze kwakira inyandiko isaba kwemererwa, isuzuma niba usaba: 1 yanditswe byemewe nkisosiyete hakurikijwe Itegeko ryerekeye amasosiyete, akora gusa ibikorwa byemewe byikigo cyegeranya amakuru ku myenda; 2 agaragaza gukorera mu mucyo mu miterere ya ba nyirisosiyete; 3 ari isosiyete ifitwe kandi icungwa nabantu binyangamugayo kandi bafite imari ihagije; 4 afite abakozi, umutungo mu byerekeye imari no mu buryo bwo gukora bizatuma akora neza kandi akagera ku cyo agamije koko; 5 afite uburyo bwigenzura ryimikorere ye, uburyo bwikoranabuhanga, politiki nibikurikizwa biberanye nubwoko nurwego rwibikorwa byumurimo
Article 7: Criteria for license
After receiving an application for a credit Aprs rception de la demande dagrment bureau license, the Central Bank shall dun bureau de crdit, la Banque Centrale satisfy itself that the applicant: doit dterminer sa satisfaction que le requrant : 1 is properly registered as a company 1 est une socit constitue selon la loi under the Law relating to portant organisation des socits Companies, solely to engage in the commerciales et dont lobjet unique permissible credit bureau activities; est dexercer les activits admises dun bureau de crdit ; 2 has transparency in the ownership 2 fait preuve de transparence suffisante structure of the company; en ce qui concerne la structure de son actionnariat ; 3 is a company owned and managed 3 est une socit dtenue et gre par by individuals who possess good des individus ayant une bonne reputation in business, integrity, and rputation en affaires, intgres et une financial strength; grande solvabilit financire ; 4 has human, financial and operational 4 dispose des ressources humaines, resources that will enable it to financires et oprationnelles function efficiently and perform its ncessaires pour fonctionner et bien functions effectively; grer ses oprations; 5 has internal control systems, 5 possde des systmes de contrle information technology systems, interne, un systme de technologie de policies and procedures, which are linformation ainsi que des politiques adequate for the nature and scale of et procdures convenables au type et 75
uteganyijwe; 6 afite gahunda yumurimo yongera agaciro ku isoko; iboneye
proposed business operations; 6 has a satisfactory business plan to deliver value to the market; 7 has adequate plans to adopt mechanisms to gather data received, integrate, update, validate and provide its security;
lenvergure des oprations; 6 a un plan daffaires satisfaisant permettant de crer une valeur ajoute sur le march; 7 a prvu des mcanismes convenables pour collecter, intgrer, mettre jour, valider et scuriser les donnes reues; 8 prsente un plan crdible pour dvelopper et adopter des procdures destines traiter temps les questions, les inquitudes ou les plaintes des clients, des fournisseurs dinformations ou des abonns, de manire quitable et cohrente en toute efficacit; 9 servira lintrt public en cas daccord dagrment. Article 8 : Capital exig La Banque Centrale prcise, par rglement, le montant exig de capital libr par un bureau de crdit ainsi que les activits dans lesquelles ledit capital peut tre investi.
7 afite gahunda iboneye yo kwemeza uburyo bwo gukusanya amakuru ahabwa, kuyashyira hamwe, kuyahuza nigihe, kuyemeza no gushyiraho umutekano wayo; 8 afite gahunda yizewe mu guteza imbere no gushyiraho ibikurikizwa bituma ibibazo, impungenge nibidashimisha abakiliya, abazana amakuru cyangwa abafatabuguzi bafatwa kimwe igihe cyose mu buryo busobanutse;
8 has a credible plan to develop and adopt procedures to ensure that questions, concerns and complaints of customers, data providers or subscribers are treated equitably and consistently in a timely and efficient manner; 9 would serve the public interest if granted the license. Article 8: Capital requirements The Central Bank shall, by regulation, specify the amount of paid-up capital that a credit bureau is required to have, as well as the acceptable investments for such capital.
9 nahabwa icyemezo, bizateza imbere inyungu rusange. Ingingo ya 8: Imari-shingiro Banki Nkuru, binyuze mu mabwiriza, igena umubare wimari-shingiro yishyurwa, ikigo kigomba kugira ndetse nibikorwa byashorwamo iyo mari-shingiro.
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Ingingo ya 9: Ikuraho cyangwa ihagarikwa Article 9: Revocation or suspension of Article 9: Rvocation ou suspension de ryiyemererwa license l'agrment Banki Nkuru ishobora gukuraho cyangwa guhagarika iyemererwa ryahawe ikigo igihe The Central Bank may revoke or suspend a La Banque Centrale peut rvoquer ou icyo ari cyo cyose iyo ikigo: license granted to a credit bureau at any suspendre l'agrment accord un bureau de time if the credit bureau: crdit en tout moment si le bureau de crdit: 1 kitatangiye ibikorwa byacyo mu mezi cumi nabiri (12) uhereye itariki 1 has not commenced operations 1 n'a pas dbut ses oprations dans un iyemererwa ryatangiwe; within twelve (12) months of the dlai de douze (12) mois dater de date on which the license was son agrment; granted; 2 cyahagaritse gukora mu gihe kirenze 2 has ceased operating for a period 2 a cess ses oprations pour une ukwezi; of more than one month; priode de plus d'un mois ; 3 cyahawe iyemererwa hashingiwe ku imenyekanisha ritari ryo cyangwa ririmo uburiganya; 4 cyasabye mu nyandiko ko iyemererwa rihagarikwa; 5 kitacyujuje ibisabwa mu iyemererwa; 3 has obtained the license through incorrect statements or fraudulent means; 4 makes a written request to have the license suspended; 5 no longer meets the applicable licensing criteria; 6 is found to be in violation of any law or in material breach of any regulation which affects its solvency, the effectiveness of its operations or the public trust. 3 a obtenu l'agrment la suite de dclarations incorrectes ou de moyens frauduleux ; 4 demande par crit la suspension de lagrment ; 5 ne remplit plus les critres d'agrment; 6 est dclar en violation d'une loi quelconque ou en violation substantielle d'un rglement affectant ainsi sa solvabilit, l'efficacit de ses oprations ou sa crdibilit.
6 cyagaragaye ko kitubahiriza itegeko iryo ari ryo ryose cyangwa kinyuranya bigaragara namabwiriza ayo ari yo yose bihungabanya ubushobozi bwacyo bwo kwishyura, imitunganyirize yibikorwa byacyo cyangwa icyizere cya rubanda. Banki Nkuru imenyesha ako kanya ikigo The Central Bank shall immediately notify La Banque Centrale doit notifier icyemezo icyo ari cyo cyose cyo gukuraho the credit bureau of any decision to revoke immdiatement le bureau de crdit de toute cyangwa guhagarika iyemererwa. Ikigo or suspend the license. The credit bureau dcision de rvocat90j ou suspension 77
cyakuweho cyangwa cyahagaritswe gikora whose license is revoked or suspended shall l'agrment. Le bureau de crdit dont byihuse ibyangombwa byose mu koherereza promptly take all steps necessary to transfer lagrment est rvoqu ou suspendu doit Banki Nkuru amakuru yose yakusanyijwe. the database to the Central Bank. prendre toutes les mesures ncessaires pour transfrer sa base de donnes la Banque Centrale. UMUTWE WA IV: IKIGO Ingingo ya 10: Ibikorwa byemerewe ikigo CHAPTER IV: CREDIT BUREAU Article 10: Permissible activities of credit bureau CHAPITRE IV : BUREAU DE CRDIT Article 10: Activits admises au bureau de crdit
Ikigo gishobora kwiyemeza gukora ibikorwa The credit bureau may engage in the following Le bureau de crdit peut exercer les activits bikurikira: activities: suivantes : 1 gukusanya, kugenzura, kubika, gucunga, 1 the collection, collation, inspection, 1 la collecte, le regroupement, gusuzuma, guhuza nigihe no storage, management, evaluation, linspection, la conservation, la gukwirakwiza amakuru ku bakiliya nkuko updating, and dissemination of gestion, lvaluation, la mise jour, biteganywa niri tegeko; customer information as provided by et la diffusion des informations sur this Law; les clients tel que stipul dans la prsente loi ; 2 gukora indi mirimo harimo ikurikira ariko 2 the provision of other services 2 fournir d'autres services y compris, itagarukira kuri iyo gusa: including, but not limited to: sans sy limiter: a) amanota yerekeye imyenda ; a) credit scoring; a) la notation de crdit; b) gusuzuma imyenda yasabwe ; b) credit application processing; b) le traitement des demandes de crdit ; c) kumenyekanisha cyangwa c) default notice or watch c) la publication et le suivi des gukurikiranira hafi imyenda services; dfauts de paiement ; itishyurwa; d) ubushakashatsi d) statistical research; d) la recherche statistique ; bwibarurishamibare; e) imirimo ijyana nikurikirana e) debtor tracking services with e) le suivi des dbiteur dfaillants ryabafite imyenda yatanzwe mu respect to credits lawfully en ce qui concerne les crdits buryo bwemewe namategeko ; granted; lgalement octroys; 78
3 igurishwa ryinyandiko zihariye, ibikoresha mudasobwa nibindi bintu bifitanye isano nibikorwa byacyo; 4 akazi nimirimo yigenzura ryumutungo.
3 the sale of specialized literature, software and other material related to its activities; 4 audit services.
3 la vente de documents, logiciels et autres articles spcialiss en relation avec ses activits ; 4 services daudit.
Haseguriwe iyemezwa ryanditse ribanza Subject to the prior written approval of the gukorwa na Banki Nkuru, ikigo gishobora no Central Bank, a credit bureau may also kwiyemeza gukora ibikorwa byinyongera engage in the following additional activities: bikurikira: 1 isuzuma ryabafite imyenda yikigo cyubucuruzi mu gihe cyigurishwa ryacyo nibindi bikorwa; 2 iperereza rijyanye namategeko; 3 itahura ryuburiganya; 4 gukwirakwiza amakuru areba ibibazo bikomeye ku mpamvu zo kwagura cyangwa kugabanya isoko ; 1 the assessment of business debtors at the time of the sale of the business and other transactions; 2 judicial investigations; 3 fraud detection; 4 dissemination of information for strategic risk information for market expansion or contraction purposes;
Sous rserve d'une autorisation crite pralable de la Banque Centrale, le bureau de crdit peut aussi exercer les activits supplmentaires suivantes: 1 l'valuation des dettes dune entreprise au moment de sa vente ou d'autres transactions ; 2 les enqutes judiciaires ; 3 dtection de cas de fraudes ; 4 la diffusion des informations concernant des risques stratgiques ou pour lexpansion ou la dcroissance des marchs ; 5 des services de d'expertise-conseil formation et
5 guhugura no gukora gutanga inama;
imirimo
yo
5 training and advisory services;
6 nibindi bikorwa nkibyo nkuko 6 such other activities as may be 6 toute autre activit autorise par la byakwemezwa mu nyandiko na Banki approved by the Central Bank in Banque Centrale par crit. Nkuru. writing. Ikigo ntigikora ibikorwa bindi bitari ibyagenwe The credit bureau shall not engage in Le bureau de crdit ne peut exercer des niri tegeko cyangwa ibyemejwe mu nyandiko activities other than those specified in this activits autres que celles stipules dans la na Banki Nkuru. Law or as approved by the Central Bank in prsente loi ou approuves par crit par la 79
writing. Ingingo ya 11: Ibisabwa ikigo mu bijyanye Article 11: Duties of credit bureau with nimikorere respect to operations
Banque Centrale. Article 11. Devoirs du bureau de Crdit en ce qui concerne les oprations
Ikigo kigomba: The credit bureau shall ensure that: Le bureau de crdit doit : 1 kuba gifite aho gikorera hari umutekano 1 its premises are safe and are 1 sassurer que ses locaux sont en kandi haboneye kugira ngo hakorerwe adequate to operate its data systems, scurit et adapts l'opration des uburyo bwo kwegeranya amakuru, database and other operations, and systmes technologiques, des bases hakoreshejwe amakuru yegeranyijwe are suitable to provide adequate de donnes et d'autres oprations et nibindi bikorwa, kandi hakwiye mu customer service; conviennent pour servir guha abakiliya serivisi itunganye; adquatement les clients; 2 gukoresha ibyuma kabuhariwe nibikoresho byujuje ibipimo ngenderwaho byumutekano bisabwa na Banki Nkuru mu gihe cyishyirwaho nikoreshwa ryihererekanyamakuru rikwiranye namakuru yakusanyijwe; 3 gushyiraho no guhorana urwego rushinzwe kwakira ibibazo, guhorana abakozi bahuguwe mu byerekeye gufata neza abakiriya no gukora raporo zerekeye inguzanyo hagamijwe gusubiza ibibazo byabakiliya nabakorana nikigo; 4 gutegura no guhorana ibitabo byimikorere bitanga icyizere ko amakuru ari aho akusanyirizwa yuzuye, harimo ibyerekeye itangwa ry ibibazo, 2 it uses hardware and software that meet security standards required by the Central Bank when setting up and using the information systems that fits its database; 2 sassurer que le matriel et les logiciels, lors de la cration et de la mise en uvre des systmes de base de donnes, respectent les exigences de scurit tablies par la Banque Centrale; 3 crer et maintenir un service la clientle, recruter et garder toujours le personnel suffisamment form dans la gestion des relations avec les clients et dans l'valuation de crdit pour rpondre aux plaintes des clients et des participants; 4 prparer et maintenir des guides de travail afin d'assurer la fiabilit des informations enregistres dans sa base de donnes y compris des
3 it establishes and maintains an enquiry service unit and recruits and maintains personnel sufficiently trained in customer care and credit reporting to handle queries of customers and participants;
4 it prepares and maintains operational manuals that ensure the accuracy of information contained in its database including manuals for queries, 80
iyinjizwa ryamakuru, igenzura ryagaciro kaho yaturutse, ubusugire numutekano byayo nuburyo ibibazo bisubizwa; 5 gushyiraho ingamba nuburyo bwo kubika raporo zisabwa ku mukiliya cyangwa ibibazo kuri raporo zatanzwe nikigo ku mukiliya hamwe nikoreshwa nabi ryamakuru abitswe aho akusanyirizwa;
loading of data, source quality control, maintenance, security, and procedure for handling complaints;
guides pour les requtes, le contrle de qualit des sources, la maintenance, la scurit et la gestion des plaintes; 5 adopter des mesures et des systmes pour enregistrer les demandes et requtes reues, pour produire un rapport de crdit d'un client ainsi que ceux concernant le mauvais usage des informations enregistres dans la base de donnes; 6 ne rvler des informations sur le client que selon un ou plusieurs motifs admis par la prsente loi ; 7 suivre les modalits de fonctionnement, d'intgrit des donnes et de scurit que la Banque Centrale peut adopter de temps autre en rfrence aux meilleures pratiques internationales; 8 fournir la Banque Centrale toutes les donnes tel que requis par les rglements.
5 it adopts measures and systems that record requests or queries for the credit bureau report of a customer as well as the misuse of data held in its database;
6 gutanga amakuru ku mukiliya gusa ku mpamvu imwe cyangwa nyinshi nkuko ziteganywa niri tegeko; 7 gukurikira uburyo imirimo ikorwa nukuri kwamakuru nibisabwa bijyana numutekano Banki Nkuru ishobora kwemeza rimwe na rimwe igendeye ku mikorere myiza mpuzamahanga;
6 it releases customer information solely for one or more permissible purposes as set forth in this Law; 7 it follows operating procedures and data integrity and safety requirements which the Central Bank may adopt from time to time in reference to international best practices; 8 it supplies to the Central Bank all the data as required by the regulation.
8 gushyikiriza Banki Nkuru amakuru yose ku buryo bugenwa namabwiriza rusange.
Article 12: Requirements to the credit 81
Ingingo ya 12: Ibisabwa ikigo mu byerekeye bureau with respect to participants and Article 12:Conditions observer par le abo bakorana nabakiliya customers bureau de crdit concernant les participants et les clients Before engaging in activities with its participants, Mbere yo kwemerera abo bakorana, Ikigo the credit bureau shall: Avant lagrment de participants, le bureau kigomba kwiyemeza: de crdit doit sassurer de : 1 ensure that participants meet the 1 gukorana nabujuje ibisabwa; requirements; 1 collaborer avec les participants 2 set forth modalities of sharing remplissant les conditions requises; 2 gushyiraho uburyo bwihererekanya information between the credit 2 tablir les modalits de partage makuru ku myenda hagati yikigo nabo bureau and the participants; dinformation sur les crdits entre le bakorana; 3 sign agreement with participants bureau de crdit et les participants; 3 gusinyana amasezerano hagati yikigo imposing technical measures for the 3 conclure un contrat entre le bureau nabo bakorana agaragaza imiterere protection of customer information; de crdit et les participants spcifiant nimikorere mu kurinda amakuru areba les mesures de protection de rapport abakiliya ; sur les clients; 4 collect, collate information and 4 kwakira, kwegeranya amakuru no provide credit bureau report; 4 collecter, regrouper les informations gutanga raporo; 5 comply with instructions issued by et en faire rapport; 5 gukurikiza amabwiriza atangwa na the Central Bank. 5 respecter les instructions mises par Banki Nkuru. la Banque Centrale. Article 13: Data retention requirements Ingingo ya 13: Ibisabwa mu ibikwa Article 13 : Exigence de sauvegarde ryamakuru des donnes The credit bureau shall maintain customer Ikigo kibika amakuru ku bakiliya mu gihe information for a period of not more than Le bureau de crdit doit conserver les kitarenze imyaka irindwi (7) uhereye ku seven (7) years from the date of the last informations sur les clients pour une priode gikorwa cya nyuma cyakozwe ku myenda. transaction in the credit information. The maximale de sept (7) ans partir de la Ikigo kandi kibika mu gihe kingana nibura credit bureau shall keep for a period of at dernire opration en rapport avec le crdit. nimyaka icumi(10) amakuru ava ahandi least ten (10) years records of the other Le bureau doit conserver pour une priode hateganyijwe muri iri tegeko. sources of information as provided for in d'au moins dix (10) ans les autres sources this Law. d'information prvues par la prsente loi. 82
Article 14 Permissible purposes for using zo credit bureau report Article 14 : Motifs valables dutilisation du rapport du bureau de crdit The credit bureau shall furnish a credit Ikigo giha raporo umufatabuguzi kandi bureau report to a subscriber that shall use it Le bureau de crdit fournit le rapport de amakuru arimo akayakoresha gusa mu bihe only under the following circumstances or crdit l'abonn qui doit sen servir bikurikira cyangwa ku mpamvu zemewe for the following permissible purposes: seulement dans les cas suivants ou selon les zikurikira: motifs valables suivants: 1 to assess an application for credit, 1 gusuzuma isaba ryimyenda, imyenda the extension of additional credit or 1 pour analyser une demande de yinyongera no kwishyuza ariko reviewing or collecting existing crdit, de crdit supplmentaire ou bitagarukiye ku nguzanyo, ingwate, credit facilities, including but not rvision ou la collecte des facilits de inguzanyo zubucuruzi, nindi mirimo limited to loans, guarantees, crdit existantes, incluant, sans s'y yubucuruzi ikenera isuzuma commercial credits and other limiter, les emprunts, les garanties, ryimyenda; commercial activities requiring les crdits commerciaux et autres credit checkings; activits commerciales requrant vrification; 2 to assess an application for 2 gusuzuma isaba ryubwishingizi, insurance or an insurance claim or 2 pour valuer une demande ibirego byubwishingizi cyangwa to monitor ongoing risk; d'assurance ou une rclamation gusuzuma ingorane zavuka; d'assurance ou pour examiner les 3 to respond to a competent court; risques actuels; 3 gusubiza urukiko rubifitiye ububasha; 3 pour rpondre une juridication 4 to respond to a government entity comptente; 4 gusubiza urwego rwa Leta which is entitled to it under 4 pour rpondre 'un organe dEtat rubyemerewe hakurukijwe amategeko; applicable legislation; conformment la loi applicable; 5 to detect and put measures to 5 gutahura uburiganya nibikorwa byo prevent fraud activities; 5 pour dtecter la fraude et prendre kubukumira; des mesures de sa prvention; 6 at the request of, or as authorized 6 bisabwe cyangwa bitangiwe uruhushya by, the person who is the subject of 6 la demande ou sur authorization Ingingo ya 14: Impamvu gukoresha raporo yikigo zemewe 83
numuntu urebwa na raporo zikigo ku myenda, 7 izindi mpamvu nkazo nkuko zishobora kwemezwa mu nyandiko na Banki Nkuru. Ingingo ya 15: Amafaranga kurihwa ku mirimo yakozwe yemewe
the credit bureau report, and, 7 such other purposes as may be approved in writing by the Central Bank. Article 15: Permissible fees for services
de la personne qui fait lobjet dun rapport de crdit ; 7 pour tout autre motif approuv par crit par la Banque Centrale.
Article 15 : Tarification l'gard des services fournis
The Central Bank has the authority to Banki Nkuru ifite ububasha bwo kugenzura no regulate and fix fees on services and other La Banque Centrale a lautorit de contrler kugena ibiciro byimirimo nibindi byose charges assessed by a duly licensed credit et dterminer les frais de service et autres byishyurwa Ikigo. bureau. charges exigs par un bureau de crdit dment agr. CHAPTER V: DATA PROVIDERS UMUTWE WA V: ABATANGA CHAPITRE V : FOURNISSEURS AMAKURU D'INFORMATIONS Article 16: Role of a data provider Ingingo ya 16: Uruhare rwutanga amakuru Article 16 : Rle des fournisseurs d'informations A data provider shall collect from customers Utanga amakuru akusanya amakuru aturuka mu and guarantors the information required by Tout fournisseur d'informations procde la bakiliya nabishingizi ateganywa nIgitabo the Data Standardization Manual, prepared collecte des donnes en provenance des gituma amakuru asabwa asa gitegurwa nikigo by a credit bureau and approved in writing clients et des cautions requises par le kikemezwa na Banki Nkuru mu nyandiko. by the Central Bank. Manuel de Normalisation de Donnes prpar par le bureau de crdit et approuv par crit par la Banque Centrale. Article 17: Duties of a data provider Ingingo ya 17: Ibisabwa utanga amakuru Article 17 : Devoirs du fournisseur A data provider shall be required to: d'informations Utanga amakuru asabwa: 1 enter into a data submission 1 gusinya amasezerano yo gutanga agreement with at least one duly Tout fournisseur d'informations doit : 84
amakuru hamwe nibura nikigo kimwe;
licensed credit bureau;
1 conclure un accord de transmission de donnes avec au moins un bureau de crdit dment agr ; 2 procder la collecte dinformations sur les clients en vertu de la prsente loi ou selon les instructions de la Banque Centrale ; 3 s'engager fournir les informations compltes, prcises et temps sur les crdits et autres informations relles pour identifier de faon prcise le client et la caution ;
2 gukusanya amakuru ku bakiliya nkuko biteganywa niri tegeko cyangwa bishobora gutegekwa na Banki Nkuru; 3 kwiyemeza gutanga amakuru yuzuye, yukuri kandi ku gihe yerekeye imyenda cyangwa andi makuru agaragaza mu buryo nyabwo umwirondoro wumukiliya numwishingizi; 4 guhuza nigihe amakuru ku mukiliya hakurikijwe imikorere yikigo; 5 guha abakiliya babisabye aho babariza ibyerekeye ikigo cyahawe amakuru ku mukiliya numwishingizi;
2 collect customer information as provided under this Law or as may be ordered by the Central Bank;
3 undertake to provide complete, accurate and timely credit information or other information that accurately identifies the customer and the guarantor;
4 update customer information in accordance with the procedures of the credit bureau; 5 provide to customers on demand contact information of credit bureaus to which the customer and guarantors information has been submitted; 6 conduct enquiries on customer and guarantor complaints, as required by the credit bureau or the Central Bank;
4 mettre jour les informations sur le client conformment aux procdures du bureau de crdit ; 5 fournir aux clients sur demande les coordonnes des bureaux de crdit auxquels ont t transmises les informations concernant le client et la caution ; 6 faire des enqutes concernant les plaintes des clients et cautions tel que demand par le bureau de crdit ou par la Banque Centrale;
6 gushakisha amakuru ku bibazo byumukiliya numwishingizi nkuko bisabwa nikigo cyangwa Banki Nkuru;
7 immediately
correct 85
incomplete
7 gukosora ako byabonetse amakuru;
kanya ibituzuye ahakusanyirizwa
information detected in its database;
7 corriger sans dlai les informations incompltes dans sa base de donnes;
8 kwemera kubazwa amakosa ayo ari yo yose cyangwa ibitari ukuri mu bimureba byerekeye amakuru yabakiliya yatanze mu kigo;
8 be responsible for any errors or inaccuracies within its control in the customer information provided to a credit bureau;
8 accepter la responsabilit en cas derreur ou anomalie sous son contrle concernant les informations fournies sur un client fournies un bureau de crdit ; 9 remplir toute autre obligation similaire qui peut lui tre assigne par la Banque Centrale.
9 kuzuza izindi nshingano nkazo nkuko bishobora gusabwa na Banki Nkuru.
9 fulfill such other obligations as may be required by the Central Bank.
Article 18: Information to be provided to Ingingo ya 18: Amakuru agomba gutangwa the credit bureau Article 18 : Informations transmettre au mu kigo bureau de crdit A data provider shall provide to the credit Utanga amakuru ageza mu kigo: bureau: Tout fournisseur dinformation doit fournir au bureau de crdit: 1 sufficient data to confirm the identity 1 amakuru ahagije yemeza umwirondoro of the customer; 1 les informations suffisantes wumukiliya; confirmer l'identit du client; 2 information on credits, collaterals 2 amakuru ku myenda, ku ngwate and on guarantees from third parties; 2 linformation concernant les crdits, zumukiliya no ku ngwate les garanties matrielles et les zabamwishingiye; garanties fournies par ses cautions; 3 Customers internal credit facility 3 nomero ya konti yumwenda wahawe number; 3 le numro d'identification interne du umukiliya; crdit accord au client; 4 such other information as may be 4 andi makuru yose yasabwa nikigo reasonably required by the credit 4 toute autre information que le bureau yemewe na Banki Nkuru. bureau approved by the Central de crdit peut raisonnablement exiger 86
Bank.
telle quapprouve par la Banque Centrale.
Article 19: Other sources of information Ingingo ya 19: Ahandi hava amakuru for credit bureau Article 19 : Autres sources d'information atangwa mu kigo dun bureau de crdit The credit bureau may also receive, compile Ikigo gishobora kwakira, guhuza no gutanga and disseminate information, as regards to a Le bureau de crdit peut aussi recevoir, amakuru arebana numuntu, asanzwe ashobora person which is ordinarily available to the compiler et dissminer des informations kugerwaho na buri wese, harimo namakuru public, including information that may be concernant une personne, normalement ashobora kuva mu nzego za Leta zikurikira: obtained from the following government disponibles au grand public, y compris les sources: informations pouvant provenir des instances gouvernementales suivantes : 1 government agencies that register 1 inzego za Leta zandika ibikorwa business and maintain a register 1 les organes de lEtat qui enregistrent byubucuruzi kandi zicunga igitabo of businesses in operation; les activits commerciales et qui cyimirimo ikorwa; tiennent le registre des activits exerces; 2 government agencies that register 2 inzego za Leta zandika imitungo bwite intellectual property rights and 2 les organes de lEtat qui enregistrent mu byubwenge nibikorwa, birimo: transactions including: les titres de proprit intellectuelle et le registre des transactions comprenant : a) registries which maintain a) ibitabo bibika amakuru cyangwa information or interests in a) les registres qui dtiennent de inyungu ku mitungo itimukanwa; immovable property, l'information ou intrts sur b) registration of charges and les immeubles; b) iyandikwa ryingwate ku other encumbrances on b) linscription d'engagements ou mutungo; assets ; d'autres charges sur les biens; c) registration of discharges of c) ivanwaho ryingwate ku mitungo; the encumbrances; c) inscription des dcharges des engagements ; 3 registries of courts including, but 87
ibitabo byo mu nkiko birimo ibikurikira ariko bitagarukira kuri ibyo gusa: a) amakuru ku manza zaciwe ku myenda ; b) inyandiko zibirego byerekeye kunanirwa kwishyura; c) ibyemezo bitegeka iseswa ryimirimo yubucuruzi.
not limited to: a) data on judgments on debts; b) records on cases of insolvency proceedings; c) orders for the winding-up of businesses.
3 les registres des tribunaux incluant, sans sy limiter: a) l'information sur les jugements concernant les dettes ; b) les dossiers des requtes en rapport avec l'insolvabilit; c) les ordonnances de mise en liquidation des activits commerciales.
Government agencies that manage Inzego za Leta zicunga amakuru zishobora information may enter into contracts with kugirana amasezerano nikigo kugira ngo the credit bureau to establish: hashyirweho: 1 the conditions for the provision of 1 ibigenderwaho kugira ngo amakuru information ; atangwe; 2 the manner and form in which the 2 uburyo ninzira amakuru atangwamo. information is submitted. Uburenganzira bwikigo ku makuru akomoka mu nzego za Leta bwiyongera ku burenganzira bwo kugera ku makuru hashingiwe ku yandi mategeko. Ingingo ya 20: Amakuru yerekeye umukiliya adatangwa muri raporo zimyenda Amakuru areba ubwoko, imyemerere, ibara, igisekuru, inkomoko, idini cyangwa ishyaka, imiterere yubuzima cyangwa ibijyana nigitsina, ntashobora gutangwa nutanga
Les organes de lEtat chargs de la gestion des informations peuvent conclure des accords avec le bureau de crdit afin d'tablir: 1 les conditions pour fournir les informations; 2 les voies et moyens de fournir les informations. The right of a credit bureau to access 3 information from Government agencies Le droit d'un bureau de crdit d'accder shall be in addition to the right of access to l'information des organes de lEtat s'ajoute information under any other law. au droit d'accs l'information lui accord par toute autre loi. Article 20: Customer information not to be reported in credit reports Article 20 : Informations sur le client exclure des rapports de crdit Information as to race, beliefs, color, ancestry, ethnic origin, religion or political Des renseignements relatifs la race, la affiliation, state of health, or sexual croyance, aux anctres, la couleur, orientation may not be reported by a data l'origine nationale ou ethnique, la religion, provider, nor included in the credit bureaus l'affiliation politique, l'tat de sant ou 88
amakuru ndetse ngo ashyirwe ahakusanyirizwa database, nor provided in a credit bureau la vie sexuelle ne peuvent pas tre rapports amakuru mu kigo cyangwa ngo atangwe muri report. par le fournisseur d'informations et ne raporo yikigo. doivent pas figurer dans la base de donnes du bureau de crdit ni paratre dans le rapport du bureau de crdit. Article 21: Compliance to other laws Ingingo ya 21: Kutanyuranya nandi Article 21 : Conformit dautres lois mategeko A data provider that reports information to a Utanga amakuru ushyikirije amakuru ikigo credit bureau in accordance with this Law, Le fournisseur d'informations qui transmet akurikije iri tegeko, ntaba anyuranyije does not contravene the provision of the les donnes un bureau de crdit ningingo zItegeko rigenga Banki Nkuru, Central Bank Law, the Banking Law, other conformment la prsente loi ne viole pas irigenga imikorere yimirimo yamabanki, financial and/ non-financial services les dispositions de la loi rgissant la Banque amategeko yandi yerekeye imirimo yimari legislation or legislation on privacy or Centrale, les lois portant sur les services nitari iyimari cyangwa amategeko areba confidentiality. financiers et non financiers ou les lois ibyamabanga. portant sur la protection des renseignements personnels ou de la confidentialit. CHAPTER VI: SUBSCRIBERS UMUTWE VI: ABAFATABUGUZI CHAPITRE VI : ABONNES Article 22: Subscribers and their role Ingingo ya 22: Abafatabuguzi nuruhare Article 22 : Abonns et leur rle rwabo Any person with a legitimate purpose under Umuntu ufite impamvu zemewe niri tegeko this Law may apply to a credit bureau to be Toute personne avec un motif lgitime selon ashobora gusaba ikigo kuba umufatabuguzi. a subscriber. la prsente loi peut faire une demande d'abonnement un bureau de crdit. All mandatory participants shall serve as Abategetswe gukorana nikigo bose bakora subscribers, and as such may be required by Tout participant obligatoire agit comme nkabafatabuguzi kandi bagashobora gusabwa the Central Bank whenever necessary or for abonn et par consquent peut, chaque fois na Banki Nkuru igihe cyose bibaye ngombwa reasons specified in regulations or que de besoin ou pour des raisons prvues cyangwa ku mpamvu ziteganywa mu instructions to give a credit bureau report on par les rglements ou instructions, tre mabwiriza rusange cyangwa amabwiriza, the applicant or guarantor, as follows: requis par la Banque Centrale, tre demand 89
raporo yikigo kusaba cyangwa kumwishingizi, mu buryo bukurikira: 1 mbere yuko basinya cyangwa bahindura amasezerano yumwenda cyangwa yubwishingizi; 2 bikozwe buri mwaka cyangwa inshuro zagenwe hasuzumwa ikomeza ryumwenda cyangwa ibyishingiwe. 1 before entering into, or modifying, a credit agreement or insurance contract; 2 on annual basis or more frequent basis to assess ongoing credit or insurance exposures.
un rapport de crdit concernant le requrant ou la caution dans les cas suivants : 1 avant de conclure ou modifier une entente de crdit ou d'assurance ; et 2 annuellement ou selon une priodicit dtermine afin d'valuer le risque li au crdit ou aux assurances en cours. La seule absence d'informations dans le bureau de crdit concernant le requrant ou la caution nempche pas elle seule le participant dobtenir le crdit ou autres services. Article 23 : Responsabilits de l'abonn A subscriber shall be required to: Labonn est tenu: 1 obtain and use the information contained in the credit bureau report only for permissible purposes; 2 abide by the confidentiality provisions set forth in this Law; 3 obtain the consent of the applicant or guarantor as a condition to request a credit bureau report; 1 d'obtenir et dutiliser les informations figurant dans le rapport de crdit seulement pour les motifs admis; 2 de se conformer aux obligations confidentialit prvues par prsente loi ; 3 d'obtenir le consentement requrant ou de la caution avant faire la demande d'un rapport de la du de de
The lack of information in the credit bureau Ibura ryamakuru mu kigo areba usaba regarding the applicant or guarantor shall cyangwa umwishingizi, ubwaryo, ntirituma not, by itself, prevent extending credit or ukorana nikigo adahabwa umwenda cyangwa providing other services to the participant. ngo akorerwe indi mirimo. Article 23: Duties of a subscriber Ingingo ya 23: Inshingano zumufatabuguzi Umufatabuguzi asabwa: 1 kubona no gukoresha amakuru ari muri raporo yikigo gusa ku mpamvu zemewe;
2 kubahiriza inshingano zerekeye amabanga ziteganywa niri tegeko; 3 kubona uruhushya rwusaba cyangwa umwishingizi kugirango abone gusaba raporo yikigo;
90
crdit ; 4 kutagurisha no kudatanga amakuru yahawe nikigo, no kutayakoresha mu bundi buryo ku mpamvu zindi zidateganijwe; 4 not to sell, transfer or otherwise use the information obtained from a credit bureau for purposes other than those specified; 4 de ne pas vendre, transmettre ou utiliser d'aucune manire les informations obtenues d'un bureau de crdit pour des motifs autres que ceux prvus ; 5 de respecter toutes autres obligations conformment la prsente loi ou toute autre loi applicable. Article 24 : Avis dfavorable If a subscriber denies credit or other services to a person, based in whole or in part on the information contained in the credit bureau report, the subscriber shall notify the applicant or guarantor by issuing an adverse notice. Lorsque l'abonn dcide de ne pas accorder un crdit ou autres services une personne, cause de l'information ou dune partie de linformation contenue dans le rapport du bureau de crdit, il doit en informer le requrant ou la caution par l'mission d'un avis dfavorable. Un avis dfavorable est fourni au requrant ou la caution lorsque la dcision dfavorable est communique et doit informer le requrant de son droit d'examiner la copie du rapport de bureau de crdit ou les informations sur le client utilises pour prendre la dcision.
5 kuzuza izindi nshingano hakurikijwe iri Tegeko cyangwa irindi tegeko rikurikizwa.
5 fulfill other obligations in accordance to this law or other applicable law.
Article 24: Adverse notice Ingingo ya 24: Inyandiko ihakana Iyo umufatabuguzi yanze guha umuntu umwenda cyangwa indi mirimo bishingiye ku makuru yose cyangwa igice cyayo ari muri raporo yikigo, abimenyesha usaba cyangwa umwishingizi mu nyandiko ihakana.
Inyandiko ihakana ihabwa usaba cyangwa umwishingizi igihe amenyesherejwe icyemezo cyangwa umwanzuro uhakana, kandi ikamugira inama ku burenganzira bwe bwo gusuzuma kopi ya raporo yikigo cyangwa amakuru amwerekeye yakoreshejwe mu gufata icyemezo.
An adverse notice shall be provided at the time the adverse decision or determination is communicated to the applicant or guarantor, and shall advise the applicant of his/her right to review a copy of the credit bureau report or customer information used in making the decision.
The Central Bank shall, by regulation, Ikoresheje amabwiriza rusange, Banki Nkuru specify the modalities to be followed with La Banque Centrale prcise, par rglement, 91
igena ibikurikizwa byerekeye ikoreshwa respect to a customers exercise of the right les modalits relatives l'exercice du droit ryuburenganzira bwumukiliya mu gusuzuma to review the customer information d'examiner les informations sur le client amakuru amwerekeye abitswe nikigo. maintained by a credit bureau. conserves par le bureau de crdit.
CHAPTER VII: CONSENT TO ACCESS UMUTWE WA VII: URUHUSHYA RWO INFORMATION KUGERA KU MAKURU Article 25: Requirement to obtain consent Ingingo ya 25: Gusabwa kubona uruhushya from existing or new client rwumukiliya usanzwe cyangwa umushya Subscribers are required to secure the Abafatabuguzi basabwa kubona uruhushya consent of credit applicants, and guarantors, rwabasaba imyenda nabishingizi mbere yo before providing to, or requesting from, gutanga cyangwa gusaba amakuru ku kigo credit bureaus information or report on the cyangwa raporo ku myenda ya kera yabakiliya credit history of clients and guarantors. nabishingizi babo. Subscribers must also inform applicants of Abafatabuguzi bagomba na none kumenyesha their rights to obtain copies of their credit abasaba uburenganzira bwabo bwo kubona report from the providing credit bureau and kopi ya raporo yimyenda yabo yakozwe dispute erroneous information. nikigo no kujya impaka ku makuru atari ukuri. Subscribers are required to inform credit bureaus of the refusal to provide consent by clients and guarantors, or applicants and their guarantors, so that credit bureaus can include that information in their credit reports.
CHAPTER VII: CONSENTEMENT POUR ACCEDER A LINFORMATION Article 25:Obligation d'obtenir le consentement du client actuel ou nouveau Les abonns sont tenus d'obtenir le consentement des requrants et des cautions avant de fournir ou demander des informations ou des rapports de crdit sur l'historique de crdit des clients et de leurs cautions. Les abonns doivent aussi informer les requrants de leur droit d'obtenir les exemplaires de leur rapport de crdit du bureau de crdit et de contester toute information errone. Les abonns sont tenus d'informer les bureaux de crdit du refus de consentement par un client et, par la caution, ou par le requrant et ses cautions, pour que les bureaux de crdit puissent inclure cette information dans les rapports de crdit.
Abafatabuguzi basabwa kumenyesha ikigo impushya zanze gutangwa nabakiliya nabishingizi, cyangwa abasaba nababishingira, bityo ikigo kigashobora kuyongera mu makuru muri za raporo zacyo zerekeye imyenda.
Article 26: Requirement to obtain specific 92
Ingingo ya 26: Gusabwa kubona uruhushya consent or consent deemed specific from Article 26: Obligation d'obtenir le rwihariye cyangwa urufatwa nkarwo ku existing and former clients consentement spcifique ou le bakiliya basanzwe cyangwa aba kera consentement rput spcifique des clients actuels ou anciens Subscribers must obtain specific consent or Abafatabuguzi bagomba kubona uruhushya consent deemed specific from existing and Les abonns doivent obtenir le consentement rwihariye cyangwa rufatwa nka rwo ku bakiliya former clients subject to historical credit spcifique ou le consentement rput basanzwe naba kera rwerekeranye namakuru information, not older than seven years, to spcifique des clients actuels ou anciens en yimyenda ya kera atarengeje imyaka irindwi be submitted to credit bureaus. Subscribers rapport avec leur historique de crdit datant (7), ashyikirizwa ikigo. Abafatabuguzi bifuza wishing to request information from credit de moins de sept (7) ans devant tre soumis gusaba amakuru ku kigo ku bakiliya basanzwe bureaus on existing or former clients must aux bureaux de crdit. Les abonns qui cyangwa aba kera bagomba nabo kubona also obtain specific consent or consent dsirent demander des informations aux uruhushya rwihariye cyangwa urufatwa kimwe deemed specific. bureaux de crdit concernant les clients na rwo. actuels ou anciens doivent aussi obtenir le consentement spcifique ou le consentement rput spcifique. Consent deemed specific shall be considered Uruhushya rufatwa nkurwihariye rufatwa ko obtained, for the collection of present or Le consentement rput spcifique est rwabonywe mu rwego rwo gukusanya amakuru historical credit information and related data considr obtenu, en ce qui concerne la ku myenda iriho cyangwa iya kera nandi through the publication by a subscriber of a collecte des donnes sur l'historique de afitanye isano na yo, iyo bitangajwe notice in a newspaper for a period of crdit et les donnes y relatives, suite la numufatabuguzi mu kinyamakuru mu gihe three (3) months. publication, par l'abonn, d'un avis dans un cyamezi atatu (3). journal pendant une priode de trois (3) mois. Existing or historical clients subject to credit Abakiliya bariho cyangwa aba kera information, held at a subscriber, who Les clients actuels ou anciens des abonns bumufatabuguzi barebwa namakuru yerekeye choose to refuse to have credit history and concerns par le dossier de crdit dont les imyenda, bahisemo kwanga ko amakuru related data shared with a credit bureau must donnes sont tenues chez l'abonn et qui yimyenda yabo nafitanye isano nayo notify the subscriber in writing, within the refusent de partager leur historique et les asangirwa nikigo bagomba kubimenyesha mu three (3) month period from the publication donnes y relatives un bureau de crdit nyandiko umufatabuguzi mu gihe cyamezi of the notice in a newspaper. doivent aviser l'abonn par crit dans un atatu kuva itangazo risohotse mu kinyamakuru. dlai de trois (3) partir de la publication de 93
lavis dans un journal. Otherwise, the subscriber and the Central Bitagenze bityo, umufatabuguzi na Banki Bank shall deem that consent was granted. A dfaut, l'abonn et la Banque Centrale Nkuru bafata ko uruhushya rwatanzwe. prsument que le consentement a t accord. Subscribers are required to inform credit Abafatabuguzi basabwe kumenyesha ikigo bureaus of the refusal to provide consent by Les abonns sont tenus d'informer les impushya zanze gutangwa nabakiliya clients and guarantors, if any, so that credit bureaux de crdit du refus de consentement nabishingizi, niba bahari, kugira ngo ikigo bureaus can include that information in their par un client ou, s'il y a lieu, par la caution, gishobore kongera ayo makuru muri raporo credit reports. afin de permettre aux bureaux de crdit zacyo zerekeye imyenda. dintgrer cette information dans leurs rapports de crdit. CHAPTER VIII: CONFIDENTIALITY UMUTWE WA VIII: AMABANGA Article 27: Obligation of confidentiality Ingingo ya amabanga Article 27 : Obligation de confidentialit The credit bureau shall protect the confidentiality of customer information Le bureau de crdit doit protger la Ikigo kirinda ibanga ryamakuru yerekeye received and shall only report or release confidentialit des informations obtenues sur abakiliya cyakiriye kandi gitanga raporo kuri such customers information: le client et ne doit indiquer ou diffuser de ayo makuru cyangwa kikayagaragaza gusa: telles informations que dans les cas suivants: 1 upon authorization ; 1 byatangiwe uruhushya; 2 to the Central Bank; 1 sur autorisation; 2 kuri Banki Nkuru; 3 to a subscriber, provided that: 2 la Banque Centrale ; 3 ku mufatabuguzi, yujuje ibyangombwa 3 un abonn, lorsque: bisabwa bikurikira: a) the customer or guarantor has a) umukiliya cyangwa umwishingizi signed a consent; a) le client ou la caution a accord yashyize umukono ku ruhushya; b) the subscriber has certified to the son consentement par signature; b) umufatabuguzi yemereye ikigo ko credit bureau that he/she will use b) l'abonn a garanti aux bureaux de azakoresha amakuru yerekeye the customer or guarantor crdit qu'il utilisera les 94 27: Inshingano zerekeye CHAPITRE VIII : CONFIDENTIALIT
umukiliya cyangwa umwishingizi ku mpamvu zemewe mu gufata icyemezo gikwiriye; c) c) umufatabuguzi yemeye gusiba amakuru yerekeye umukiliya atagikenewe ku mpamvu zemewe ku buryo adashobora kongera gusomeka cyangwa kwegeranywa;
information for the purpose of making an eligible decision; the subscriber has agreed to properly dispose of customer information that is no longer needed for a duly authorized purpose so that it cannot reasonably be read or reconstituted;
informations concernant le client ou sa caution dans le but de prendre une dcision convenable; c) l'abonn a accept de dtruire les informations qui ne sont plus utiles conformment un motif admis de sorte qu'il est impossible de lire ou de reconstituer ces informations; 4 pour dautres motifs prvus par les lois.
4 s otherwise provided by laws. 4 ku mpamvu zindi ziteganywa nandi mategeko. Ikigo nabafatabuguzi bafata ingamba za ngombwa mu buryo bushoboka kugirango harebwe ko amakuru bakiriye yerekeye umukiliya arinzwe kubura uko ari ko kose, kugerwaho, gukoreshwa cyangwa kumenyekanishwa nta ruhushya. Bagomba kandi kwitwararika ko abafite imigabane mu kigo, abayobozi, abakozi bakuru, abakozi basanzwe nintumwa, bubahiriza inshingano ihoraho yibanga rireba amakuru bahawe hakurikijwe iri tegeko. Umufatabuguzi ntashobora guha amakuru undi muntu utari intumwa ye yagennye kugira ngo amufashe kwishyuza imyenda, cyangwa hakurikijwe isaba ryanditse nuruhushya byurebwa na raporo yikigo. Credit bureaus and subscribers shall take all steps as reasonably necessary to ensure that the customer information obtained is duly protected against any loss, an unauthorized access, use or unauthorized disclosure. They shall ensure that their shareholders, directors, officers, employees or agents, observe a perpetual obligation of confidentiality with regard to the information provided to them under this law. Under no circumstances may a subscriber release such information to any third party other than the subscribers appointed agent for the purpose of assisting the subscriber in the recovery of any of its debts, or upon the written request and authorization of the 95
Les bureaux de crdit et les abonns doivent prendre toutes les mesures ncessaires afin de sassurer que les informations sur le client sont dment protges contre la perte, l'accs, l'usage ou la diffusion non autoriss. Ils doivent sassurer que les actionnaires, les dirigeants, les employs et les mandataires respectent l'obligation de confidentialit concernant l'information qui leur est transmise conformment la prsente loi.
Un abonn ne peut diffuser de telles informations en aucune circonstance un tiers autre que le mandataire dsign par l'abonn aux fins de lassister dans le recouvrement des dettes, ou sur demande
concerned person by the credit bureau crite et autorisation par la personne objet du report. rapport de crdit. CHAPTER IX: CUSTOMER RIGHTS UMUTWE WA IX: UBURENGANZIRA BWUMUKILIYA Article 28: Right to access information Ingingo ya 28: Uburenganzira bwo guhabwa amakuru Article 28 l'information : Droit daccder CHAPITRE IX : DROITS DU CLIENT
A customer has the right to access Umukiliya afite uburenganzira bwo kumenya information relating to him/her kept by the Un client a le droit daccder aux amakuru yose yikigo amureba, kandi credit bureau and is entitled to obtain the informations le concernant dtenues par le yemerewe guhabwa raporo yikigo. credit bureau report. bureau de crdit et lobtenir le rapport du bureau de crdit. When a customer requests the credit bureau Igihe umukiliya asabye raporo yikigo, mu gihe report, the latter shall, within three (3) Lorsqu'un client demande le rapport du kitarenze iminsi itatu (3) yakazi kimaze working days of receiving a written request bureau de crdit, ce dernier doit, dans les kubona inyandiko isaba nibisobanuro bijyana and such particulars as the credit bureau trois (3) jours ouvrables aprs avoir reu la byasabwa nikigo kugira ngo gishobore kubona may reasonably require enabling it identify demande crite accompagne de tout umwirondoro wumukiliya, ikigo giha the customer, provide the customer a copy renseignement que le bureau de crdit peut umukiliya kopi yamakuru yose amwerekeye of all information relating to him/her exiger en vue didentifier le client, fournir au harimo na raporo yikigo. including the credit bureau report. client un exemplaire de toutes les donnes le concernant y compris le rapport du bureau de crdit. The customer shall have the right to receive Umukiliya afite uburenganzira bwo guhabwa a copy of the credit bureau report relating to Le client a le droit de recevoir un exemplaire kopi ya raporo yikigo imureba nta kiguzi mu him/her without charge, in the following du rapport de crdit le concrnant, sans frais, bihe bikurikira: cases: dans les cas suivants: 1 igihe isaba ryumwenda ryanzwe numufatabuguzi cyangwa ryanzwe ku 1 when an application for credit results in the rejection by a subscriber or for other authorized purpose; 96
1 lorsqu'une demande de crdit est refuse par un abonn ou pour tout
zindi mpamvu zemewe; 2 once per six (6) months, after making a request to have inaccurate information corrected in the database;
autre motif admis;
2 inshuro imwe mu mezi atandatu, amaze gusaba ikosora ryamakuru atariyo aho akusanyirizwa;
3 once a year. 3 inshuro imwe mu mwaka.
2 une fois dans les six (6) mois aprs avoir prsent une requte en vue de faire corriger des renseignements inexacts dans la base de donnes ;
The customer also has the right to receive a 3 une fois par an. copy of the credit bureau report at any time, Umukiliya afite kandi uburenganzira bwo upon payment of the fees determined by the Le client a le droit, tout moment et aprs guhabwa kopi ya raporo yikigo yasabye igihe credit bureau. versement des frais fixs par le bureau de icyo ari cyo cyose, amaze kwishyura crdit, de recevoir un exemplaire du rapport amafaranga nkuko yagenwe nikigo. du bureau de crdit. Article 29: Dispute on information Ingingo ya 29: Impaka zerekeye amakuru Ikigo gishyiraho urwego rushinzwe gusubiza ibibazo nibindi bisabwa. rwumurimo byabakiliya Article 29 : Contestation sur les The credit bureau shall establish an enquiry informations service unit to handle customer questions and other enquiries. Tout bureau de crdit doit tablir un service charg des requtes en vue de traiter les questions des clients et autres problmes Where a customer believes that the connexes. information contained in the database is inaccurate, erroneous, insufficient, Lorsqu'un client croit que les informations incomplete or outdated, he/she may notify contenues dans la base de donnes sont the credit bureau in writing of the inexactes, errones, insuffisantes, information disputed. incompltes ou primes, il peut, notifier par crit le bureau de crdit des informations Within five (5) working days of being contestes. informed that information in its report is disputed, the credit bureau shall: Dans un dlai de cinq (5) jours ouvrables 97
Igihe umukiliya yumva ko amakuru abitswe aho akusanyirizwa atari ukuri, arimo amakosa, adahagije, atuzuye cyangwa atajyanye nigihe, ashobora kumenyesha mu nyandiko ikigo amakuru akemangwa. Mu gihe kitarenze iminsi itanu (5) yakazi
kimenyeshejwe amakuru akemangwa ari muri raporo yacyo, ikigo: 1 attach a note to the report warning that the disputed information is under investigation, and that notice shall remain on the file until resolution of the dispute; 2 give the data provider a notice of dispute requesting him/her confirmation of the accuracy of the disputed information.
1 cyomeka inyandiko kuri raporo yacyo imenyesha ko amakuru afite ikibazo arimo akorerwa iperereza, iyo nyandiko kandi iguma muri dosiye kugeza ikibazo kibonewe umwanzuro; 2 giha uwagihaye amakuru inyandiko imusaba kwemeza ukuri kwamakuru akemangwa.
compter de la date de rception de la contestation concernant les informations contenues dans son rapport, le bureau de crdit doit : 1 joindre une note au rapport de crdit indiquant que les informations contestes font lobjet dinvestigation, et la note doit rester attache au dossier jusqu' la rsolution du litige; 2 transmettre au fournisseur d'informations, un avis de contestation par lequel il est demand de confirmer lexactitude des informations contestes.
Mu gihe kitarenze iminsi 20 yakazi, ikigo gikora iperereza mu buryo bushoboka gishingiye ku makuru ya ngombwa atanzwe numukiliya, kinabaza uwatanze amakuru iyo bikenewe. Mu gihe iperereza rigaragaje ikosa, ikigo kirikosora ako kanya.
Within twenty (20) working days, the credit bureau shall conduct a reasonable investigation, based on all relevant information provided by the customer, and contact the data provider if necessary. Where the investigation reveals an error, the credit bureau shall promptly remedy it.
Iyo ikigo kitarangije iperereza mu minsi makumyabiri yakazi (20), ikibazo cyoherezwa muri Banki Nkuru cyangwa ikosora rigakorwa nkuko umukiliya yabisabye. Iyo ikigo kirangije iperereza nyuma yigihe,
Dans un dlai de vingt (20) jours ouvrables, le bureau de crdit doit entreprendre une enqute base sur toutes les informations pertinentes fournies par le client et, le cas chant, contacter le fournisseur d'informations. Lorsque l'enqute fait apparatre une erreur, le bureau de crdit doit If the credit bureau does not complete its immdiatement la corriger. investigation within twenty (20) working days, the complaint shall be referred to the Si le bureau de crdit ne termine pas Central Bank, or corrected as requested by l'enqute dans un dlai de vingt (20) jours the customer. ouvrables, la plainte doit tre transmise la Banque Centrale ou corrige selon la If the credit bureau later completes its demande du client. investigation, it may complete or correct disputed information based on the results of Si le bureau de crdit termine l'enqute une 98
gishobora kongera cyangwa kigakosora such investigation. amakuru yagiweho impaka hashingiwe ku byavuye muri iryo perereza. Upon receipt of a notice of resolution or an amendment notice from a data provider the Kimaze kwakira inyandiko yicyemezo credit bureau shall, within five (5) working cyafashwe cyangwa inyandiko ihindura iturutse days of such receipt, send a notice of change kutanga amakuru, ikigo, mu minsi itanu (5) to any subscriber that has in the previous six yakazi uhereye igihe iyo nyandiko yakiriwe, (6) months obtained a credit information cyoherereza umufatabuguzi uwo ari we wese report from the credit bureau containing the wari wabonye, mu mezi atandatu (6) abanza, incorrect information, indicating the raporo yikigo irimo amakuru atari yo correction of the disputed data. The data ninyandiko yerekana icyakosowe ku makuru provider shall inform the credit bureau that akemangwa. Utanga amakuru amenyesha ikigo it has corrected data and updated its system ko amakuru yakosowe kandi yashyizwe ku gihe accordingly. mu buryo bwayo bwikusanyamakuru.
date ultrieure, il peut complter ou corriger les informations contestes sur base des rsultats de lenqute.
Iyo umukiliya atemera icyemezo cyafashwe ku makuru akemangwa, ashobora gusaba ikigo kwomeka kuri raporo yacyo inyandiko igizwe namagambo make igaragaza ko amakuru yatanzwe atari ukuri, bityo ikigo kigafata ingamba zo kubahiriza ibisabwa numukiliya.
Ds rception d'un avis de dcision ou d'un avis rectificatif des informations du fournisseur d'informations, le bureau de crdit doit, dans un dlai de cinq (5) jours ouvrables compter de la rception d'un tel avis, transmettre un avis de modification a tout abonn qui, dans les six (6) mois prcdents, avait reu du bureau de crdit un rapport de crdit comportant ces informations inexactes. Le fournisseur d'informations doit informer le bureau de crdit quil a corrig les donnes et mis Should the customer disagree with the jour son systme. resolution of the disputed information, he/she may request the credit bureau to Si le client n'est pas d'accord avec la attach its report, a short statement setting dcision concernant les informations out the customers claim that the contestes, il peut demander au bureau de information is not accurate and the credit crdit de joindre son rapport une courte bureau shall take reasonable steps to comply dclaration indiquant la revendication selon with the customers request. laquelle les informations ne sont pas exactes et le bureau de crdit doit prendre des mesures raisonnables afin de se conformer sa demande. Article 30: Costs on investigation service
Ingingo ya 30: Ikiguzi cyishyurwa ku Article 30 : Frais relatifs aux services The Central Bank shall, by regulation, dinvestigation byakozwe mu iperereza specify when and what a credit bureau may Banki Nkuru, binyuze mu mabwiriza rusange, charge a customer for the costs of services La Banque Centrale prcise, par rglement, 99
igena igihe nikiguzi ikigo gishobora of conducting a special investigation with kwishyuza umukiliya ku byakozwe mu mirimo respect to the information contained in the yo gukora iperereza ryihariye ku bireba credit bureau database. amakuru ari aho akusanyirizwa nikigo.
les circonstances dans lesquelles le bureau de crdit peut exiger du client les frais relatifs aux services dinvestigation spciale en rapport avec les informations contenues dans la base de donnes du bureau de crdit Article 31: Review of the credit bureau ainsi que le montant de ces frais. investigation Ingingo ya 31: Isubirishamo ryibyavuye mu Article 31 : Rvision des rsultats Any customer who is not satisfied with the dinvestigation du bureau de crdit iperereza ryikigo results of the investigation by the credit Umukiliya uwo ari we wese utishimiye bureau may submit a request for review to Tout client non satisfait des rsultats d'une ibyagaragajwe niperereza ryakozwe nikigo the Central Bank. enqute par un bureau de crdit peut ashobora gusaba Banki Nkuru kurisubiramo. soumettre une requte la Banque Centrale pour rvision. CHAPTER X: GOVERNANCE UMUTWE WA X: IMIYOBORERE Ingingo ya 32: Inama y Ubuyobozi Article 32: Board of Directors CHAPITRE X : GOUVERNANCE
Every credit bureau shall have a Board of Article 32 : Conseil dAdministration Directors consisting of not less than five (5) Buri kigo kigira Inama yUbuyobozi igizwe members. Tout bureau de crdit doit avoir un Conseil nabantu batari munsi ya batanu (5). d'Administration d'au moins cinq (5) The Board of Directors shall elect a non- membres. executive chairperson from amongst its Abagize Inama yUbuyobozi bitoramo members. Le Conseil dAdministration choisit en son umuyobozi wInama udakora mu kigo. Members of the Board of Directors shall: sein un Prsident indpendant. Abagize Inama y Ubuyobozi bagomba: Les membres du Conseil dAdministration 1 have an overall understanding of doivent: the operation and information technology systems of the credit 1 possder une connaissance gnrale bureau; des oprations et des technologies de l'information du bureau de crdit; 100
1 kumva muri rusange imirimo, imikorere nuburyo bwikoranabuhanga byikigo;
2 guhura nibura rimwe mu gihembwe mu buryo ubwo ari bwo bwose, harimo no gukora inama hakoreshejwe uburyo bwa telefoni bahuriraho; 3 gukora ku buryo imirimo yose ikorerwa mu biro byose byikigo yubahiriza ibisabwa byose niri Tegeko; 4 gushyiraho Umuyobozi Mukuru nUmukozi Mukuru ushinzwe ibyerekeranye nikoranabuhanga babifitiye ubushobozi; 5 kwitwararika ko ikigo gihorana buri gihe ubugenzuzi bwimbere kandi bukora neza; 6 kwitwararika ko ikigo gihorana ishami rishinzwe kwakira no gusuzuma ibibazo byabakiliya bashobora kubangamirwa namakuru aberekeye abitswe aho akusanyirizwa kandi bavuga ko anyuranyije namategeko, atari ukuri, arimo amakosa cyangwa atajyanye nigihe; 7 kwitwararika ko ikigo gifite abakozi bakwiriye mu gutunganya imirimo yacyo no kuzuza mu buryo buhagije
2 meet at least once quarterly in any manner, including teleconferencing;
2 se runir au moins une fois par trimestre, par tous les moyens, y compris par tlconfrence;
3 ensure that the activities conducted in all offices of the credit bureau are in full conformity with this Law; 4 appoint a competent Chief Executive Officer and Chief information technology officer; 5 ensure that the credit bureau maintains, at all times, an effective system of internal controls; 6 ensure that the credit bureau maintains a customers claims and inquiries service to assist customers who may be affected by the information contained in the database and who allege that the information is illegal, inaccurate, erroneous or outdated; 7 ensure that the credit bureau has adequate staff to undertake the functions of the credit bureau and to sufficiently meet the demands of customers; 101
3 sassurer que les activits effectues dans tous les services du bureau de crdit sont conformes la prsente Loi ; 4 nommer un Directeur Gnral et un Directeur charg des systmes dinformation comptents; 5 sassurer que le bureau de crdit possde toujours un systme efficace de contrle interne; 6 sassurer que le bureau de crdit dispose d'un service de requtes et d'investigation pour assister les clients affects par les informations contenues dans la base de donnes et qui soutiennent que ces informations sont illgales, inexactes, errones ou primes; 7 sassurer que le bureau de crdit dispose d'un personnel adquat pour remplir les fonctions d'un bureau de
ibisabwa nabakiliya;
8 guteza imbere imikoranire inogeye abakorana nikigo bose mu buryo bwo guhererekanya amakuru ku 9 promote transparency regarding myenda; pricing policies; 9 guteza imbere gukorera mu mucyo 9 promouvoir la transparence l'gard ku bijyanye na politiki yo gushyiraho 10 strengthen security measures, de la politique de tarification; ibiciro; policy on the overall service, and 10 gushimangira ingamba zerekeye other policies and procedures 10 renforcer les mesures de scurit, la umutekano, politiki ya buri rwego necessary for the sound operation politique relative tous les services, rwumurimo nizindi politiki of the credit bureau. et toute autre politique et procdure nuburyo bwimikorere ihamye ncessaires au fonctionnement yikigo. efficace du bureau de crdit. CHAPTER XI: CHANGE OF MEMBERSHIP AND LIQUIDATION UMUTWE WA XI: IHINDUKA CHAPITRE XI : CHANGEMENT DE RYABANYAMIGABANE NISESWA Article 33: Change of membership MEMBRES ET LIQUIDATION Ingingo ya 33: Ihinduka ryabanyamigabane A credit bureau shall request the prior written approval of the Central Bank for any Ikigo cyifuza kugirana ubwumvikane ubwo arrangement or agreement by which the ari bwo bwose cyangwa amasezerano atuma credit bureau or the database of customers ikigo cyangwa ahakusanyirizwa amakuru ku information is to change membership, be bakiliya bihindura ba nyirabyo, bigurishwa, sold, or be merged with another entity. cyangwa bihuzwa nikindi kigo, kigomba kubisaba no kubyemererwa mu nyandiko na Banki Nkuru. Article 34: Liquidation or intervention in favour of a credit bureau Ingingo ya 34: Iseswa cyangwa igoboka Subject to prior notice to the Central Bank, a ryikigo credit bureau may be wound up under the Bibanje kumenyeshwa Banki Nkuru, ikigo provisions of the Law relating to Companies 102 Article 33 : Changement de membres Tout bureau de crdit doit obtenir une approbation crite pralable de la Banque Centrale pour tout arrangement ou accord selon lequel le bureau de crdit ou la base de donnes des informations sur les clients change de membres, est vendu ou autrement fusionn avec une autre entit. Article 34 : Liquidation ou intervention en faveur dun bureau de crdit Sous rserve d'un avis pralable la Banque
8 promote fair conditions for all participants in the credit information system;
crdit et pour satisfaire aux demandes des clients; 8 promouvoir des conditions quitables pour tous les participants au systme d'information sur le crdit;
gishobora guseswa hashingiye ku ngingo zItegeko ryerekeye Amasosiyete nItegeko ryerekeye izahura ryubucuruzi nibibazo biturutse ku gihombo. Banki Nkuru ishobora kugoboka ikigo kugira ngo irengere ubusugire bwahakusanyirizwa amakuru nubwa serivisi cyatangaga kandi igashyiraho umuyobozi ugicunga kugeza impamvu zateye igoboka zibonewe umuti.
and the Law relating to business recovery and settling of issues arising from insolvency. The Central Bank can intervene, for cause, in favour the licensed credit bureau, to preserve the database and the activities of the credit bureau and appoint an Administrator until the causes that motivated the intervention are remedied.
Article 35: Database Ingingo ya 35: Ahakusanyirizwa amakuru In the event a credit bureau winds up its operations either voluntarily or involuntarily, or the Central Bank revokes the license of the credit bureau, the credit bureau shall deliver the database and backup copies of customer information to the Central Bank.
Centrale, un bureau de crdit peut tre liquid conformment aux dispositions de la Loi relative aux socits commerciales et de la Loi relative au redressement des affaires et au rglement des problmes d'insolvabilit. La Banque Centrale peut venir en aide au bureau de credit afin de conserver la base de donnes et assurer la continuit des services du bureau de crdit et nommer un Administrateur jusqu' la rsolution des problmes l'origine de l'intervention. Article 35: Base de donnes En cas de liquidation volontaire ou force dun bureau de crdit ou en cas de rvocation de son agrment par la Banque Centrale, il doit transmettre sa base de donnes et toute copie lectronique de secours la Banque Centrale.
Igihe ikigo gisheshe ibikorwa byacyo haba ku bushake cyangwa atari ubushake, cyangwa se igihe Banki Nkuru yacyambuye icyemezo cyo gukora, ikigo gishyikiriza Banki Nkuru ahakusanyirizwa amakuru ndetse na kopi zaho amakuru ku bakiriya abitswe mu rwego rwo kuyarinda. The database shall be accompanied by sufficient technical instructions and support Gutanga ahakusanyirizwa amakuru to ensure that the database may reasonably biherekezwa namabwiriza ku mikorere nicyo be imported into a successor credit bureau ashingiyeho kugira ngo amakuru yakusanyijwe system. ashobore mu buryo bushoboka kwinjizwa mu buryo bukoreshwa nikigo kigisimbura. Upon verification of the integrity of the database delivered, the Central Bank shall Banki Nkuru imaze gusuzuma ubusugire order the credit bureau to erase all database bwamakuru yahawe, itegeka ikigo gusiba records of customer information from all its amakuru yose yerekeye umukiriya abitswe mu storage, whether in Rwanda or outside, and 103
La base de donnes doit tre accompagne dinstructions techniques adquates et du support requis pour que cette base de donnes puisse tre intgre au systme dun autre bureau de crdit qui succde au premier Aprs vrification de l'intgrit de la base de donnes lui transmise, la Banque Centrale ordonne au bureau de crdit de supprimer
bubiko bwacyo bwose bukoresha za provide sufficient documentation to the mudasobwa, haba mu Rwanda cyangwa hanze, Central Bank evidencing that erasure. no guhabwa inyandiko ziyemeza iryo siba. CHAPTER XII: REPORTING REQUIREMENTS UMUTWE WA XII: IBISABWA MU GUTANGA ZA RAPORO Article 36: Reports required Ingingo ya 36: Raporo zitangwa
tous les enregistrements d'informations sur le client de tout support de donnes utilis au Rwanda ou ailleurs et de fournir une preuve satisfaisante de suppression de ces donnes. CHAPITRE XII : EXIGENCES RELATIVES AUX RAPPORTS
The Central Bank shall, by regulation, Article 36 : Rapports exigs specify the financial and other reporting Banki Nkuru igena, ikoresheje amabwiriza requirements that shall apply to credit La Banque Centrale prcise, par rglement, rusange, ibisabwa mu gutanga za raporo bureaus and participants. les conditions de soumission de rapports zimari nizibindi bikorwa byubahirizwa financiers et ceux dautres activits qui nikigo hamwe nabakorana na cyo. doivent tre observes par les bureaux de Article 37: Supervisory powers of the crdit et les participants. Central Bank Ingingo ya 37: Ububasha bwa Banki Nkuru Article 37 : Pouvoirs de supervision de la The Central Bank has power to inspect Banque Centrale bwo gukora igenzura books, accounts, documents, transactions Banki Nkuru ifite ububasha bwo kugenzura and other information relating to the credit La Banque Centrale a le pouvoir dinspecter ibitabo, amakonti, inyandiko, ibikorwa nandi bureau or participants. tous les livres, comptes, documents, makuru yerekeye ikigo cyangwa ukorana na transactions et autres informations cyo. concernant le bureau de crdit ou les The Central Bank has power to appoint at participants. any time its own auditors or inspectors or Banki Nkuru ifite, igihe icyo ari cyo cyose, any other competent person to carry out an La Banque Centrale a le pouvoir, tout ububasha bwo kugena abagenzuramikorere, on-site inspection of a credit bureau or a moment, de nommer ses auditeurs ou ses abagenzuzi bayo, cyangwa undi umuntu wese participant. Such person may seize or take inspecteurs ou toute personne comptente ubifitiye ubushobozi kugira ngo bakore copies of any relevant documents as they pour mener une enqute dans les locaux du igenzura mu kigo cyangwa ku ukorana na cyo. deem necessary in the proper exercise of bureau de crdit ou d'un participant. La Uwo muntu ashobora gufatira cyangwa gufata his/her function. personne dsigne peut saisir ou faire des kopi yinyandiko iyo ari yo yose igihe yumva copies de tout document pertinent qu'elle 104
ko ari ngombwa mu mitunganyirize myiza yakazi ke. The Central Bank may instruct the external auditors of the credit bureau or a participant Banki Nkuru ishobora guha amabwiriza to perform audits on the Central Banks umugenzuzi wikigo uturuka hanze cyangwa behalf. The external auditors are obliged to wabakorana na cyo kuyikorera ubugenzuzi. cooperate with the Central Bank and shall Abagenzuzi baturuka hanze bategetswe not invoke the professional confidentiality gukorana na Banki Nkuru kandi ntibashobora against the Central Bank. kwitwaza ibanga ryakazi imbere yayo. CHAPTER XIII: SANCTIONS UMUTWE WA XIII: IBIHANO Ingingo ya 38: Ububasha bwo gushyiraho ibihano Banki Nkuru, ikoresheje amabwiriza rusange, ishyiraho ibihano byo mu rwego rwakazi nihazabu ku kigo, kutanga amakuru, kumufatabuguzi unyuranyije niri Tegeko.
juge ncessaire pour remplir sa mission.
La Banque Centrale peut mandater les auditeurs externes dun bureau de crdit ou d'un participant pour lauditer au nom de la Banque Centrale. Les auditeurs externes sont tenus de collaborer avec la Banque Centrale et ne peuvent se prvaloir du secret professionnel contre la Banque Centrale.
UMUTWE WA XIV: INGINGO ZINZIBACYUHO NIZISOZA Ingingo ya 39: Ingingo yinzibacyuho
Article 38: Authority to administer CHAPITRE XIII: SANCTIONS sanctions Article 38: Pouvoir de fixer des sanctions The Central Bank shall, by regulation, specify the administrative and pecuniary sanctions that shall be assessed if a credit La Banque Centrale prcise, par rglement, bureau, a data provider, a subscriber les sanctions administratives et pcuniaires contravenes any of the provisions of this appliquer en cas de violation de la prsente law. Loi par un bureau de crdit, un fournisseur d'informations et/ou un abonn. CHAPTER XIV: TRANSITIONAL AND FINAL PROVISIONS CHAPITRE XIV : DISPOSITIONS Article 39: Transitional provision TRANSITOIRES ET FINALES
A credit bureau shall comply with Article 39 : Disposition transitoire provisions of article 28, paragraph 3, 3 of Ikigo gitangira kubahiriza ibiteganijwe mu this Law, one year after the commencement Le bureau de crdit se conforme aux gace ka 3 kigika cya 3 cyingingo ya 28 yiri of its operations. dispositions de larticle 28, paragraphe 3, 3 Tegeko nyuma yumwaka umwe gitangiye de la prsente Loi une anne aprs le dbut imirimo yacyo. Article 40: Drafting, consideration and de ses activits. 105
adoption of this Law Ingingo ya 40: Itegurwa, isuzumwa nitorwa ryiri tegeko Iri Tegeko ryateguwe mu rurimi rwIcyongereza, risuzumwa kandi ritorwa mu rurimi rwIkinyarwanda. Ingingo ya 41: Ivanwaho ryingingo zamategeko zinyuranyije niri Tegeko Ingingo zose zamategeko abanziriza iri kandi zinyuranyije na ryo zivanyweho. Article 40 : Initiation, examen et adoption This Law was drafted in English, examined de la prsente loi and adopted in Kinyarwanda. La prsente Loi a t initie en Anglais, examine et adopte en Kinyarwanda. Article 41: Repealing of inconsistent provisions Article 41: Disposition abrogatoire All prior legal provisions inconsistent with this Law are hereby repealed. Toutes les dispositions lgales antrieures contraires la prsente Loi sont abroges. Article 42: Commencement Article 42: Entre en vigueur
Ingingo ya 42 : Igihe iri tegeko ritangira This Law shall enter into force on the date gukurikizwa of its publication in the Official Gazette of Iri Tegeko ritangira gukurikizwa ku munsi the Republic of Rwanda. ritangarijweho mu Igazeti ya Leta ya Repubulika yu Rwanda.
La prsente loi entre en vigueur le jour de sa publication au Journal Officiel de la Rpublique du Rwanda.
Kigali, on 07/05/2010 Kigali, kuwa 07/05/2010 Kigali, le 07/05/2010
(s) 106
(s) KAGAME Paul Perezida wa Repubulika
KAGAME Paul President of the Republic
(s) KAGAME Paul Prsident de la Rpublique
(s) MAKUZA Bernard Minisitiri wIntebe
(s) MAKUZA Bernard Prime Minister
(s) MAKUZA Bernard Premier Ministre
Bibonywe kandi bishyizweho Ikirango cya Repubulika:
Seen and sealed with the Seal of the Republic:
Vu et scell du Sceau de la Rpublique:
(s) KARUGARAMA Tharcisse Minisitiri wUbutabera/ Intumwa Nkuru ya Leta
(s) KARUGARAMA Tharcisse Minister of Justice/Attorney General
107

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Official Gazette n special of 14/05/2010

Umwaka wa 49 n idasanzwe 14 Gicurasi 2010

Year 49 n special 14 May 2010 49me Anne nspcial 14 mai 2010

Official Gazette n special of 14/05/2010

Official Gazette n special of 14/05/2010

TABLES DES MATIERES

Article 7: Entre en vigueur

Official Gazette n special of 14/05/2010

Twebwe, KAGAME Paul, Perezida wa Repubulika;

We, KAGAME Paul, President of the Republic;

Nous, KAGAME Paul, Prsident de la Rpublique;

INTEKO ISHINGA AMATEGEKO:

Official Gazette n special of 14/05/2010

Official Gazette n special of 14/05/2010

utimukanwa ihinduwe kandi buryo bukurikira:

Official Gazette n special of 14/05/2010

isoko, amaze kubimenyesha impande zombi.

informing the two parties thereon.

Article 4: Transitional provisions

Official Gazette n special of 14/05/2010

Kigali, kuwa 07/05/2010

Official Gazette n special of 14/05/2010

(s) KAGAME Paul Prsident de la Rpublique (s)

Vu et scell du Sceau de la Rpublique :

(s) KARUGARAMA Tharcisse Ministre de la Justice/Garde des Sceaux

Official Gazette n special of 14/05/2010

Official Gazette n special of 14/05/2010

Article 17: Commencement

Article 17: Entre en vigueur

Official Gazette n special of 14/05/2010

Twebwe, KAGAME Paul, Perezida wa Repubulika;

We, KAGAME Paul, President of the Republic;

Nous, KAGAME Paul, Prsident de la Rpublique;

Official Gazette n special of 14/05/2010

ADOPTS: Article One: Company incorporation

Official Gazette n special of 14/05/2010

Official Gazette n special of 14/05/2010

buryo bwagenwe nUmwanditsi Mukuru.

company shall be lodged in the form prescribed by the Registrar General.

Article 6: Public invitation to subscribe for shares and debentures

Article 74 of Law n07/2009 of 27/04/2009 relating to companies is 15

Official Gazette n special of 14/05/2010

Official Gazette n special of 14/05/2010

Official Gazette n special of 14/05/2010

Article 8 : Obligation of members of the Board of Directors to disclose interest

4 la date de lacquisition ou de la cession.

Official Gazette n special of 14/05/2010

Official Gazette n special of 14/05/2010

Official Gazette n special of 14/05/2010

this the paid loan

Official Gazette n special of 14/05/2010

comply with such regulations;

Official Gazette n special of 14/05/2010

ubuzima gatozi yaherewe mu mahanga igakorera mu Rwanda:

constitue en dehors du Rwanda et qui exerce ses activits au Rwanda en :

Official Gazette n special of 14/05/2010

Article 13: Change of the chapter

La prsente loi a t initie en Anglais, examine et adopte en Kinyarwanda.

Official Gazette n special of 14/05/2010

Article 16: Repealing provision

Article 16: Disposition abrogatoire

Vu et scell du Sceau de la Rpublique :

(s) KARUGARAMA Tharcisse Ministre de la Justice/Garde des Sceaux