Programme: Credit Risk: Data Sharing for Lending Decisions

10.00 Introduction to Data Sharing

  • Why share data - the benefit for lenders, consumers and businesses.
  • The data sharing framework - credit reporting systems and their participants.

10.30 Data Sharing in the UK - The Principles of Reciprocity

  • Background
  • Key principles
  • Types of subscribers
  • Data provided
  • Uses of data

11.30 Coffee break


11.45 Governance of the Principles and the role of the Steering Committee on Reciprocity (SCOR)

  • The role of SCOR
  • Rules, function and structure
  • Membership
  • Compliance and complaint process
  • Credit Reporting Agencies (CRA’s) product development process
  • Future developments


12.15 Key areas for Data Sharers and Users

  • Consumer/business reciprocity
  • Data quality
  • Searches
  • Identification and employment checking
  • Marketing
  • EU and non-EU lenders
  • Regulator/financial supervisor access
  • Compliance



13.15 Lunch break


14.15 The Future for Data Sharing

  • Update on International, European and UK developments impacting on data sharing


15.00 The Data Sharing Clinic

  • An opportunity to raise practical issues and seek guidance on how data sharing can work in your organisation


15.45 Course close

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