Overview

This revised edition provides an in-depth analysis of the economics and regulation of financial privacy, and an international comparison of credit reporting systems. Credit reporting agencies are companies that compile information on millions of consumers in credit markets, but increasingly also across a variety of industries such as insurance, retailers or telecommunication. The new edition contains an overview of credit reporting systems in the U.S. and the EU-27 Member States, as well as a discussion of the design and functioning of dual systems (public credit registers and private credit reporting agencies). It covers the theory of information and privacy as well as competition in information markets. Moreover, it discusses the history and institutions of credit reporting. Finally, on the empirical level, it reviews the economic effects of credit reporting in credit markets.

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9783540840275

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