Regulatory
Worldwide, credit reporting activity is generally regulated by many jurisdictional layers of government. This section lists studies of regulatory issues.
| Study | Purpose | View Study |
| Optimal Consumer Credit Bureau Market Structure in Singapore: Theory and Evidence May 2009 Conducted by: PERC | This paper examines the relationship between the market structure and regulatory framework of a nation’s credit information sharing system, and the performance of its financial sector. | » Full Study |
| Fair Credit Reporting Act Dispute Process August 2006 Conducted by: Board of Governors Federal Reserve System | Report on the extent to which consumer reporting agencies and furnishers of information to consumer reporting agencies complied with certain requirements of the Fair Credit Reporting Act. | » Full Study |
| Financial Privacy Laws Affecting Sharing of Customer Information Among Affiliated Institutions February 23, 2005 Conducted by: Congressional Research Service | This report provides an analysis of the current federal law and a description of state laws that appear to provide more consumer protection with respect to the issue of information sharing among affiliates. | » Full Study |
| Financial Privacy: The Economics of Opt-In vs Opt-Out Purpose of Study: FCRA Reautorization February 12, 2004 Conducted by: Congressional Research Service | This report focuses on the economics of financial privacy in the context of the opt-out/opt-in debate, and considers the implications of a regulatory change. | » Full Study |
| Report to Congress on the Role of Information in Lending: The Cost of Privacy Restrictions January 29, 2004 Conducted by: Congressional Research Service | This report focuses on the potential economic effects of restricting the type of consumer credit information that is reported between financial institutions and credit reporting agencies. | |
| Privacy Rights and Policy Wrongs: How Data Restrictions can Impair Information-Led Development in Emerging Markets January 2004 Conducted by: PERC | This paper highlights a potential threat to a new model for economic development posed by European-style data privacy regulatory regimes. | » Full Study |
| Testimony before the House Financial Services Committee on the Importance of the National Credit Reporting System to Consumers and the US Economy May 2003 Conducted by: Dr. Michael Staten | Examining the need for continuing federal preemptions under the US Fair Credit Reporting Act | » Testimony |
| Report to Congress on: Fair Credit Reporting Act-Preemption of State Law December 8, 2003 Conducted by: Congressional Research Service | This report provides an overview of the Fair Credit Reporting Acts original preemption provisions and discusses recently enacted legislation (P.L. 108-159) making those preemptions permanent. | » Full Study |
