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Dun & Bradstreet release: ACCC authorisation of Principles of Reciprocity & Data Exchange PDF Print E-mail
Friday, 04 December 2015

Dun & Bradstreet (D&B) welcomes the Australian Competition and Consumer Commission (ACCC) decision to grant authorisation to the Australian Retail Credit Association (ARCA) in relation to the Principles of Reciprocity and Data Exchange, effective 25 December 2015.

This authorisation represents a significant milestone in achieving a reciprocity framework to standardise the exchange of credit information between credit reporting bureaux and credit providers, ensuring fair and appropriate access to critical decision-making data within Australia’s credit reporting system.

D&B has been a leading and long-standing advocate for both the economic and public policy benefits associated with the comprehensive credit reporting environment. In fact, D&B was the first credit bureau in Australia to implement and offer comprehensive credit reporting data to the domestic market in June 2014.

According to Steven Brown, Director of Consumer Risk Solutions at Dun & Bradstreet, the authorisation of the Principles of Reciprocity and Data Exchange reinforces the acceptance of the domestic comprehensive credit reporting system and the benefits to be derived by both consumers seeking access to credit, and credit providers.

“This authorisation will drive the uptake of comprehensive credit reporting in Australia, leading to richer and more accurate consumer credit information to be exchanged between credit bureaux and credit providers. Higher quality credit information is crucial for lenders to make better credit decisions, and to give more consumers greater access to credit through rewarding positive credit behaviour. Ultimately, this provides for greater and more transparent competition in the marketplace, driving innovation for consumer benefit.”

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