Interactive Map


Beginning in 2005, PERC began a multi-year commitment to moving Australia from a punitive “negative-only” credit-reporting regime that excluded many from access to affordable mainstream credit, to a fairer, more inclusive, more responsible “fair-file” system. PERC efforts included:

  • Developing a roadmap for reform;
  • Extensive policymaker outreach and issue advocacy;
  • Industry outreach and coalition building;
  • Comprehensive media relations; and,
  • Original quantitative economic impact analysis.

PERC’s efforts resulted in the desired outcome. In December 2012 the Privacy Act was amended to accommodate a fair-file credit-reporting regime. PERC will continue efforts in Australia to promote further reforms to ensure an optimally efficient, fair, and inclusive retail credit sector.