Submission - Credit Reporting Regulatory Framework: Submission to ALRC Privacy Inquiry (December 2007)

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4.5. International Regulation and Commentary

Agencia Española de Protección de Datos, Instruction 1/1995, of 1 March, of the Data Protection Agency, regarding the rendering of information services on creditworthiness and credit, 1 March 1995,
<https://www.agpd.es/upload/Instruccion_1_1995-translation.pdf>.

British Bankers’ Association, Building Societies Association, and Association for Payment Clearing Services, Banking Code, March 2003, <http://www.bankingcode.org.uk/pdfdocs/bankcode.pdf>.

Barren J M and Staten M, The Value of Comprehensive Credit Reports: Lessons from the US Experience, March 2001, <http://www.privacyalliance.org/resources/staten.pdf>.

Bill Number H.R.3915: Mortgage Reform and Anti-Predatory Lending Act of 2007, (United States), <http://frwebgate.access.gpo.gov/cgi-bin/getdoc.cgi?dbname=110_cong_bills&docid=f:h3915eh.txt.pdf>.

Computerworld.com, Credit agency reports security breach, 17 March 2004, <http://www.computerworld.com/securitytopics/security/story/0,10801,91319,00.html>.

Consumer Credit Act 2006 (UK), <http://www.opsi.gov.uk/acts/acts2006/pdf/ukpga_20060014_en.pdf>.

Consumeraffairs.com, Experian Abandons Thousands of Consumer Data Records, 15 June 2005, <http://www.consumeraffairs.com/news04/2005/experian_abandons_data.html>.

Credit Today, Data sharing mandated in revised banking code, 26 November 2007, <http://www.credittoday.co.uk/news/news-item.htm?news=491>.

Djankov S, McLeish C & Shleifer A, Private Credit in 129 Countries, World Bank, 2006, <http://www.doingbusiness.org/documents/private_credit_jan23.pdf>.

Fair Credit Reporting Act 15 USC 1681 (US), <http://www.ftc.gov/os/statutes/fcradoc.pdf>.

Hong Kong Office of the Privacy Commissioner for Personal Data, Code of Practice on Consumer Credit Data, 1998, <http://www.pcpd.org.hk/english/files/ordinance/CCDCode_eng.pdf>.

Kxan.com, Credit Bureau Security Breached, 1 December 2006, <http://www.kxan.com/Global/story.asp?S=5752352>.

MyFICO, About myFICO, Website, accessed on: 5 December 2007, <http://www.myfico.com/Company/AboutUs.aspx>.

New Zealand Privacy Commissioner, Credit Reporting Privacy Code, 2004 <http://www.privacy.org.nz/filestore/docfiles/26242772.pdf>.

Office of the Comptroller of the Currency, OCC Guidelines Establishing Standards for Residential Mortgage Lending Practices, 2005, <http://www.occ.treas.gov/ftp/bulletin/2005-3a.pdf>.

Organic Law 15/1999 of 13 December on the Protection of Personal Data (Spain), <https://www.agpd.es/upload/Ley%20Org%E1nica%2015-99_ingles.pdf>.

Payplan, Irresponsible Lending - Are creditors to blame for the increase in consumer debt?, Website, accessed on 10 December 2007, <http://www.payplan.com/reasons-for-debt/irresponsible-lending.php>.

Reserve Bank of Australia, Financial Stability Review – March 2007 – Box A: Developments in the US Sub-prime Mortgage Market, March 2007, <http://www.rba.gov.au/PublicationsAndResearch/FinancialStabilityReview/Mar2007/Html/dev_us_subprime_mort_market.html>.

Searchsecurity.com, Data theft affects 88 million-plus Americans, 21 June 2006, <http://searchsecurity.techtarget.com/originalContent/0,289142,sid14_gci1195270,00.html>.

Thestar.com , Responsible lending spares homebuyers from U.S. fate, 1 December 2007, <http://www.thestar.com/article/280880>.

Truth in Lending Act (15 USC 1601) (US), <http://www.access.gpo.gov/uscode/title15/chapter41_.html>.

United Kingdom Office of Fair Trading, Consumer credit licensing: General guidance for licensees and applicants – Draft guidance on fitness and requirements, Consultation document, July 2007, <http://www.oft.gov.uk/shared_oft/consultations/oft920con.pdf>.

Young M, Report of the Independent Reviewer to the Sponsors of the Banking Codes’ Review 2007, May 2007, <http://www.bba.org.uk/content/1/c6/01/15/40/Independent_Code_Review_2007.pdf>.

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