Submission - Credit Reporting Regulatory Framework: Submission to ALRC Privacy Inquiry (December 2007)
Full Contents
- 1. Executive Summary
- 2. Potential consumer harm in the credit reporting environment
- 2.1. Definition of potential harm
- 2.2. General privacy issues – notice and consent
- 2.3. Quality and accuracy of data
- 2.4. Access to data
- 2.5. Security of data
- 2.6. Identity fraud
- 2.7. Direct marketing concerns
- 2.8. Compliance reviews and audits
- 2.9. Complaints and External Dispute Resolution
- 2.10. Sanctions, compensation and redress
- 2.11. Use of credit reporting information
- 2.12. Listing rules
- 2.13. Amount of content in credit reports
- 2.14. Debt collection and the sale of debts
- 2.15. Responsible credit marketing
- 2.16. Responsible lending
- 2.17. Supply of consumer credit
- 3. Regulatory framework options
- 4. Appendix 1: Resources
- 5. Appendix 2: Table of Acronyms