This report analyzes the Philippine credit information sharing system and offers recommendations and possible amendments to the Credit Information Sharing Act (CISA) in order to improve and modernize the system.
Credit Information Sharing in Hong Kong
This paper evaluates the credit information sharing system dynamics in Hong Kong, including data gaps, the real estate bubble, and the new entrant.
Reply to the HTF Report on Building a PCR in India
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 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.
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.
Credit Impacts of More Comprehensive Credit Reporting in Australia and New Zealand
This report details the impacts of more comprehensive credit reporting in Australia and New Zealand. The report summarizes the results from a joint undertaking by PERC and Dun & Bradstreet Australasia using credit data from 1.8 million Australians.
Roadmap to Reform: Lessons from around the world to guide consumer credit reporting reform in Australia
PERC’s Roadmap to Reform details the benefits of comprehensive credit reporting, as well as detailing transitional challenges of switching to a full-file system.
The Structure of Information Sharing and Credit Access: Lessons for Policy
This white-paper, produced for the Asia-Pacific Credit Coalition, outlines recent developments in the economic impact of information sharing in consumer credit markets.
Economic Fairness Through Smarter Lending: Some Factors to Consider on the Eve of Brazilian Credit Reporting Reform
As the Brazilian congress weighs its options, we survey and analyze the more comprehensive and systematic of the studies to detail important lessons to consider on the eve of credit reporting reform in Brazil.
Economic Impacts of Payment Reporting Participation in Latin America
The study assesses the impact of varying participation rates on access to credit and default rates in Latin America. A series of micro-simulations demonstrates the importance of participation in a private, full-file credit reporting system.