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).
The Case for a Public Credit Registry in India: Additional Evidence for Consideration
This paper examines a range of policy and market issues associated with the proposed introduction of a public credit registry (PCR) in India.
The Impact of Credit Reporting and Credit Scoring on the MFI Sector
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.
Data Protection and Credit Information Sharing
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.
Changing the Lending Landscape: Credit Deserts, the Credit Invisible, and Data Gaps in Silicon Valley
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.
Personalized Credit Education: Consumer and Small Business Owner Attitudes, Impacts and Impediments
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.
CRA Credit Education Services: An Examination of Consumer Impacts
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.
The Impacts of Information Sharing on Competition in Lending Markets
This study examines how shifting to full file credit sharing systems might impact lender competition. It specifically explores whether bank concentration falls following a shift to full-file credit sharing.
Comparing FTC and PERC Studies on Measuring the Accuracy of U.S. Consumer Credit Reports
This report compares findings from the FTC and PERC studies on the data accuracy of U.S. consumer credit reports. The two studies have very similar results.
Credit Card Rewards: Context, History, and Value
This white paper gives a history and context for Credit Card Reward programs.