Credit Reporting Systems & the International Economy

Foreword vii Acknowledgments xi Introduction 1(22) Margaret J. Miller I Institutional Arrangements for Credit Reporting 23(138) Credit Reporting Systems around the Globe: The State of the Art in Public Credit Registries and Private Credit Reporting Firms 25(56) Margaret J. Miller Public Credit Information: A European Perspective 81(34) Tullio Jappelli Marco Pagano Credit Reporting Agencies: A Historical Perspective 115(46) Rowena Olegario II The Role of Credit Reporting Data in Financial Systems 161(110) Credit Information and Market Performance: The Case of Chile 163(40) Kevin Cowan Jose De Gregorio Private Business Information Exchange in the United States 203(26) Jarl G. Kallberg Gregory F. Udell The Use of Public Credit Registry Information in the Estimation of Appropriate Capital and Provisioning Requirements 229(26) Michael Falkenheim Andrew Powell Relationship Lending in the Argentine Small Business Credit Market 255(16) Allen N. Berger Leora F. Klapper Margaret J. Miller Gregory F. Udell III The Impact of Public Policies on Credit Reporting 271(162) The Value of Comprehensive Credit Reports: Lessons from the U.S. Experience 273(38) John M. Barron Michael Staten Privacy Restrictions and the Use of Data at Credit Registries 311(24) Raphael W. Bostic Paul S. Calem Segmentation and the Use of Information in Brazilian Credit Markets 335(62) Armando Castelar Pinheiro Alkimar Moura Regulation of Personal Data Protection and of Credit Reporting Firms: A Comparison of Selected Countries of Latin America, the United States, and the European Union 397(36) Rafael del Villar Alejandro Diaz de Leon Johanna Gil Hubert Directory of Credit Reporting Firms around the World 433(12) Index 445