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The Economic Consequences of Credit Information Sharing

The Economic Consequences of Credit Information Sharing
December 2010
PERC OECD Paper

PERC was commissioned by the OECD to write a white paper on the economic value of personal financial data for a roundtable on the current environment for protecting privacy with a focus on the economic dimension. PERC’s white paper discusses how broader information-sharing backed by consumer rights has promoted efficiency and inclusion while maintaining and protecting confidentiality. It represents one of the first attempts to examine data sharing from the perspective of economic consequences. While the Fair Information Principles were disseminated 30 years ago, these guidelines have been understood largely in terms of privacy with little attention paid to the economic impacts of different information sharing systems.  The white paper, relying on PERC research, as well as similar research by others, introduces policymakers to the effects of variations in financial information sharing. 

Financial Inclusion through Credit Reporting: Hurdles and Solutions

Financial Inclusion through Credit Reporting: Hurdles and Solutions
April 2010
Financial Inclusion Cover Image

This policy brief, a white paper produced for the APCC in April 2010, examines the logic of information sharing as it relates to financial inclusion and suggests some policy concerns and policy targets designed to promote a financial inclusion agenda.

The Consequences of Prohibiting Credit Inquiry Data in Chilean Credit Files

The Consequences of Prohibiting Credit Inquiry Data in Chilean Credit Files
February 2010

This paper assesses the consequences of proposed Chilean legislation to prohibit the sharing of credit inquiry data.

Credit Access