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Regulatory

Worldwide, credit reporting activity is generally regulated by many jurisdictional layers of government. This section lists studies of regulatory issues.
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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.

Fair Credit Reporting Act Dispute Process
August 2006
Conducted by: Board of Governors Federal Reserve System

Report on the extent to which consumer reporting companies and furnishers of information to consumer reporting companies complied with certain requirements of the Fair Credit Reporting Act.

 
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.

Financial Privacy: The Economics of Opt-In vs. Opt-Out Purpose of Study: FCRA Reauthorization
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.

 
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.

 
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 Fair Credit Reporting Act.

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