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Consumer Loans and the Role of the Credit Bureaus in Europe
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EUI RSCAS; 2010/44
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MICKLITZ, Hans-Wolfgang, Consumer Loans and the Role of the Credit Bureaus in Europe, EUI RSCAS, 2010/44 - https://hdl.handle.net/1814/13977
Abstract
The working paper makes the results of the conference proceedings on ‘Consumer Loans and the Role
of the Credit Bureaus in Europe’ available, which took place in May 2009 at the EUI in Florence. The
topic of the conference should be located in the changing legal environment for credit bureaus. This is
largely due to the fact that the European capital market is gradually taking shape. The recent Directive
2008/48 on consumer credit has for the first time recognised credit bureaus as necessary institutions to
exchange information on the creditworthiness of consumers. In the aftermath of the adoption of the
Consumer Credit Directive, the working environment for credit bureaus has changed.
The overall idea of the convenors was to initiate a dialogue which could break up the still existing
compartmentalisation in different networks. The conference brought together representatives from
credit bureaus, consumer organisations, data protection agencies, national supervisory authorities,
consumer protection agencies, consumer protection ministries and the European Commission. We
hope that the publication will serve as good and solid start for a long-lasting dialogue between all the
actors involved in consumer credit issues.
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Additional Information
The conference on ‘Consumer Loans and the Role of the Credit Bureaus in Europe’, which took place
in May 2009 at the EUI in Florence, should be located in the changing legal environment for credit
bureaus. This is largely due to the fact that the European capital market is gradually taking shape. The
recent Directive 2008/48 on consumer credit has for the first time recognised credit bureaus as
necessary institutions to exchange information on the creditworthiness of consumers. In the aftermath
of the adoption of the Consumer Credit Directive, the working environment for credit bureaus has
changed.
The convenors of the conference have chosen ‘consumer loans’ as the guiding topic under which
participants, from ministries and data protection authorities, from credit bureaus and consumer
organisations, were united in an open debate. The current document is meant to make the major
findings of the conference available to a broader public. The overall idea of the convenors was to
initiate a dialogue which could break up the still existing compartmentalisation in different networks.
The conference brought together representatives from credit bureaus, consumer organisations, data
protection agencies, national supervisory authorities, consumer protection agencies, consumer
protection ministries and the European Commission. We hope that the publication of the conference
proceedings will serve as good and solid start for a long-lasting dialogue between all the actors
involved in consumer credit issues.
The convenors would like to thank the director of the Robert Schuman Centre for Advanced
Studies Stefano Bartoloni and Rainer Neumann, CEO of Schufa Holding, Germany for the generous
sponsoring of the conference.