This report addresses the Reserve Bank of India’s High-Level Task Force (HTF) Report published in June 2018 regarding the proposed Indian public credit registry (PCR).
This report explores the possible impacts of the proposed Comprehensive Credit Reporting bill in Australia.
In these comments we support the FHFA’s effort to update the credit score used/required by the GSEs and explore how more than one score could be considered or permitted. We wish the FHFA would go further and create a more flexible process that would allow the credit score(s) used to be updated more regularly and also permit more credit score flexibility to enable scores that use alternative data to be utilized.
This paper examines a range of policy and market issues associated with the proposed introduction of a public credit registry (PCR) in India.
This research analyzes a series of questions pertaining to the impacts on microfinance institutions (MFIs) when using credit bureau data (conventionally referred to as credit files) for purposes of underwriting credit; for the same purposes, it also analyzes credit scoring models and credit decisioning platforms that use credit bureau data.
This white paper discusses different data protection regimes and argues that whether a system is considered siloed or omnibus what really matters (in a practical sense) are the details and whether there is sufficient regulatory flexibility to account for “on the ground” realities. Credit information sharing is a focus of the white paper.
This report presents findings from the pilot effort of the Credit Deserts Project, which aims to map the incidence of Credit Invisibility, in which consumers have credit reports with no or insufficient data with which to generate a traditional credit score. Previous research suggests that Credit Invisibles disproportionately live in lower income areas of communities and help form what we call Credit Deserts.
This study is the final report on research that examines resulting credit score changes and consumer attitudes following the use of personalized credit education sessions by study participants. The credit education service examined is offered by a national credit bureau. Such services (offered by for-profit non-lender/non-creditor entities) are covered and inhibited by CROA.
This study was designed to gauge the impact of a personalized credit education service from a national credit bureau on consumer understanding of credit reports and scores as measured by changes in credit scores and results from a participant survey.
This paper examines whether utility and telecom payments (non-financial data) are predictive of either future delinquencies on traditional credit accounts (bank card or mortgages) or of having future derogatory public records.