Number 3 | Suffolk Law Review

The Legal Framework of Consumer Credit Bureaus and Credit Scoring in the European Union: Pitfalls and Challenges—Overindebtedness, Responsible Lending, Market Integration, and Fundamental Rights

Dec 19, 2013 | Lead Articles, Number 3, Print Edition, Volume 46

The integration of European Union (EU) credit markets is crucial for the efficient functioning of the EU financial system, for the EU economy as a whole, and for the full achievement of the four freedoms guaranteed by the EU’s internal market.1 Neither the consumer...

Foreword: Symposium On Credit Scoring and Credit Reporting

Dec 19, 2013 | Lead Articles, Number 3, Print Edition, Volume 46

A lack of credit or the inability to build a credit history has the ability to destroy an individual’s chance at upward financial mobility. Today, a person without good credit gets penalized in almost every aspect of his or her financial existence. The penalties...