Consumer and Credit Reporting, Scoring, and Related Policy Issues
Description
This report provides background information on the consumer data industry and various specialty areas. One prominent specialty area--consumer scoring--is explained and includes information about various factors used to calculate credit scores. It provides a general description of the current regulatory framework of the consumer data industry. Finally, this report discusses selected policy issues pertaining to credit scoring and proposed modifications that may result in expanded consumer protection and credit access.
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Description
This report provides background information on the consumer data industry and various specialty areas. One prominent specialty area--consumer scoring--is explained and includes information about various factors used to calculate credit scores. It provides a general description of the current regulatory framework of the consumer data industry. Finally, this report discusses selected policy issues pertaining to credit scoring and proposed modifications that may result in expanded consumer protection and credit access.
This report is part of the following collection of related materials.
Congressional Research Service Reports
The Congressional Research Service (CRS) is the public policy research arm of Congress. This legislative branch agency works exclusively for Members of Congress, their committees and their staff. This collection includes CRS reports from the mid-1960's through 2018—covering a variety of topics from agriculture to foreign policy to welfare.
Getter, Darryl E.Consumer and Credit Reporting, Scoring, and Related Policy Issues,
report,
July 30, 2015;
Washington D.C..
(https://digital.library.unt.edu/ark:/67531/metadc743487/:
accessed May 30, 2024),
University of North Texas Libraries, UNT Digital Library, https://digital.library.unt.edu;
crediting UNT Libraries Government Documents Department.