Powers of auditor appointed by Authority
24.—(1)  An auditor appointed by the Authority under section 23(3) may, for the purpose of carrying out an examination or audit —
(a)examine, on oath or affirmation, any officer or employee of the licensed credit bureau, or any other auditor of the licensed credit bureau;
(b)require any officer or employee of the licensed credit bureau, or any other auditor of the licensed credit bureau, to produce any books held by or on behalf of the licensed credit bureau relating to its business;
(c)make copies of or take extracts from, or retain possession of, any books mentioned in paragraph (b) for such period as may be necessary to enable them to be inspected;
(d)employ such persons as the auditor considers necessary to assist the auditor in carrying out the examination or audit; and
(e)authorise in writing any person employed by the auditor to do, in relation to the examination or audit, any act or thing that the auditor could do as an auditor under this subsection, other than the examination of a person on oath or affirmation.
(2)  Any individual who, without reasonable excuse —
(a)refuses or fails to answer any question put to him or her; or
(b)fails to comply with any request made to him or her,
by an auditor appointed under section 23(3) or a person authorised under subsection (1)(e) shall be guilty of an offence and shall be liable on conviction to a fine not exceeding $12,500 or to imprisonment for a term not exceeding 12 months or to both.