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Towards Better Use of Credit Reporting in Europe. CEPS-ECRI Task Force Report, September 2013

Pyykkö, Elina (2013) Towards Better Use of Credit Reporting in Europe. CEPS-ECRI Task Force Report, September 2013. UNSPECIFIED.

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    Abstract

    This report discusses how the current EU credit reporting systems meet the demands of the different stakeholders in the credit granting and management process, and what is needed to improve these systems. As credit reporting is a tool for responsible lending and for ensuring financial inclusion of consumers, it argues that the needs of EU credit markets and consumers should be the basis for assessing the current regulation and its functionality. How a creditor assesses the risk and the creditworthiness of a customer is at the core of successful and safe crediting. Facilitating this assessment process, within the boundaries of data protection laws, is a key building block for making well-informed credit decisions.

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    Item Type: Other
    Subjects for non-EU documents: EU policies and themes > Policies & related activities > economic and financial affairs > Single Market > capital, goods, services, workers
    Subjects for EU documents: UNSPECIFIED
    EU Series and Periodicals: UNSPECIFIED
    EU Annual Reports: UNSPECIFIED
    Series: Series > Centre for European Policy Studies (Brussels) > CEPS Task Force Reports
    Depositing User: Phil Wilkin
    Official EU Document: No
    Language: English
    Date Deposited: 21 Sep 2013 18:39
    Number of Pages: 68
    Last Modified: 21 Sep 2013 18:40
    URI: http://aei.pitt.edu/id/eprint/44130

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