A credit reference bureau is a company licensed by the CBB as an ancillary services provider that receives, stores, analyses and classifies the credit information of customers and issues credit reports and provides the members of the credit reference bureau with such reports upon their request (see Paragraph AU-1.2.6 of Module AU_Ancillary Service Provider). For this definition, customer means any of the customers of a credit reference bureau whom the credit reference bureau holds credit information as defined under Article (68 bis) b) 3) of the CBB Law.