Jan 17, 2020 | Managing Data
In our contribution to the EDPB’s draft guidelines on Data Protection by Design and by Default, we ask the EDPB to address a number of issues in relation to the examples provided in the document. In particular, in connection to the examples under “Lawfulness” i.e. a...
Sep 30, 2019 | Enabling Transactions
In our response to the public consultation on loan origination and monitoring organised by the European Banking Authority (EBA), ACCIS recalls that creditworthiness assessments that use more comprehensive data are more accurate in predicting credit risk and...
Apr 9, 2019 | Enabling Transactions
In our response to the public consultation on the evaluation of the Consumer Credit Directive (CCD), ACCIS recalls that creditworthiness assessments are an important regulatory requirement to protect consumers from over-indebtedness and recommends five ways to improve...
Apr 1, 2019 | Enabling Transactions
In our response to the public consultation on the evaluation of the Consumer Credit Directive (CCD), ACCIS recalls that creditworthiness assessments are an important regulatory requirement to protect consumers from over-indebtedness and recommends five ways to improve...
Feb 20, 2019 | Enabling Transactions
In our letter, ACCIS recommends that the providers of microcredit assess the prospects of repayment and loan affordability on the basis of data that is relevant, adequate and necessary, including positive information, for each specific credit application. ACCIS also...
Nov 16, 2018 | Enabling Transactions
In this document, Credit Reference Agencies share their views on creditworthiness assessments. Those views are articulated around five principles: Principle 1. Creditworthiness assessments should meet two interconnected, primary policy objectives: reduction of...
