Consumer and Credit Reporting, Scoring, and Related Policy Issues

Getter, Darryl E.

Library of Congress. Congressional Research Service.

关键词: Consumers;    Consumer protection;    Credit;   

RP-ID  :  R44125
RP-ID  :  R44125_2015Jul30

美国|英语

来源: UNT Digital Library

【 摘 要 】

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.