The Economic Consequences of Consumer Credit Information Sharing: Efficiency, Inclusion, and Privacy

This document has been prepared as background for the Roundtable.  It examines how variations in the sharing of personal data affect the efficiency of financial markets and the distribution of credit across different social segments. It will also examine how the collection, storage, access, and correction of this data is governed, discussing the implications for both consumer rights and market efficiency.  Finally, the paper will investigate possible macro-consequences of variations in personal information sharing for financial markets.