Since the 2000s, economists across fields have increasingly used consumer credit reporting data for research. We introduce readers to the economics of and the institutional details of these data. Using examples from the literature, we provide practical guidance on how to use these data to...

Because of the importance of credit reporting to the consumer finance system, the accuracy of credit reports is a perennial policy concern. Studies have found that a substantial minority of consumers have errors on their credit reports with the three nationwide consumer reporting agencies...

Using credit-registry data for Spain and Peru, we document that four main types of commercial credit—asset-based loans, cash-flow loans, trade finance and leasing—are easily identifiable and represent the bulk of corporate credit. We show that credit dynamics and bank lending channels vary...

Partisan perception affects the actions of professionals in the financial sector. Linking credit rating analysts to party affiliations from voter records, we show that analysts who are not affiliated with the U.S. president's party downward-adjust corporate credit ratings more frequently. Since...

Using credit-registry data for Spain and Peru, we document that four main types of commercial credit –asset-based loans, cash flow loans, trade finance and leasing–are easily identifiable and represent the bulk of corporate credit. We show that credit growth dynamics and bank lending...

Using credit-registry data for Spain and Peru, we document that four main types of commercial credit—asset-based loans, cash-flow loans, trade finance and leasing—are easily identifiable and represent the bulk of corporate credit. We show that credit dynamics and bank lending channels vary...

Using credit-registry data for Spain and Peru, we document that four main types of commercial credit — asset-based loans, cash flow loans, trade finance and leasing — are easily identifiable and represent the bulk of corporate credit. We show that credit growth dynamics and bank lending...

Using credit-registry data for Spain and Peru, we document that four main types of commercial credit-asset-based loans, cash-flow loans, trade finance and leasing-are easily identifiable and represent the bulk of corporate credit. We show that credit dynamics and bank lending channels vary...

Using credit-registry data for Spain and Peru, we document that four main types of commercial credit--asset-based loans, cash-flow loans, trade finance and leasing--are easily identifiable and represent the bulk of corporate credit. We show that credit dynamics and bank lending channels vary...

Partisan perception affects the actions of professionals in the financial sector. Using a novel dataset linking credit rating analysts to party affiliations from voter records, we show that analysts who are not affiliated with the U.S. president's party downward-adjust corporate credit ratings...

Partisan perception affects the actions of professionals in the financial sector. Using a novel dataset linking credit rating analysts to party affiliations from voter records, we show that analysts who are not affiliated with the U.S. president's party downward-adjust corporate credit ratings...

The booming lending period and many lenders (16 banks and 21 non-bank financial Institutions in Albania) brought about unprecedented competition in credit markets within Albania. Economists usually view lending and competition favorably, but in Albania resulted in a number of unforeseen...

I study hold-up in bank lending and the effects of information sharing on this adverse selection problem. I derive testable hypotheses by augmenting the model in Gehrig and Stenbacka (2007). For empirical identification, I exploit the introduction of an information sharing system in an African...

This article argues that consumer credit reports can create two sorts of vicious cycles, which can contribute to to cycles of poverty and deepen race-based disenfranchisement. The first takes place in credit markets themselves. Even on a neoclassical model of credit reporting, credit reports can...

This submission addresses these issues in greater detail and, more specifically, responds to Part G of the ALRC Discussion Paper 72 (DP72) which addresses the credit reporting provisions of the Privacy Act. The ALRC proposes that Part IIIA of the Privacy Act 1988 be repealed and that instead,...

Information asymmetries can severely limit cross-border border expansion of banks. When a bank enters a new market, it has incomplete information about potential new clients. Such asymmetries are reduced by credit registers, which distribute financial data on bank clients. We investigate the...

Credit registers collect, store and share information regarding borrowers' past and current credit relations. Interestingly, such data is typically erased from the public records after a number of years, in accordance with privacy protection laws, which aim at providing individuals with a fresh...

We use a regression discontinuity design to investigate the effect of the Community Reinvestment Act on consumer credit outcomes using data from the Federal Reserve Bank of New York's Consumer Credit Panel database (Equifax data) for the years 2004 to 2012. A bank's activities in census tracts...

Information asymmetries can severely limit the cross-border border expansion of banks, if entering banks can only obtain incomplete information about potential new clients. Such asymmetries are reduced by credit registers, which distribute financial data on bank clients.This ECRI research report...

Credit reporting systems are an important ingredient for financial markets. These systems are based upon the unique identification of borrowers, which is enabled if a compulsory identification system exists in a country. We present evidence derived from difference-in-difference analyses on the...

Credit reporting systems are an important ingredient for financial markets. These systems are based upon the unique identification of borrowers, which is enabled if a compulsory identification system exists in a country. We present evidence derived from difference-in-difference analyses on the...

This paper studies the impact of bank mergers on firm-bank lending relationships using information from individual loan contracts in Belgium. We analyse the effects of bank mergers on the probability of borrowers maintaining their lending relationships and on their ability to continue tapping...

Information asymmetries can severely limit the cross-border border expansion of banks, if entering banks can only obtain incomplete information about potential new clients. Such asymmetries are reduced by credit registers, which distribute financial data on bank clients.This ECRI research report...

We provide the first evidence on how the introduction of information sharing via a public credit registry affects banks' lending decisions. We employ a unique dataset containing detailed information on credit card applications and decisions from one of the leading banks in China. While we do not...

Information asymmetries can severely limit cross-border border expansion of banks. When a bank enters a new market, it has incomplete information about potential new clients. Such asymmetries are reduced by credit registers, which distribute financial data on bank clients. We investigate the...