A new era for credit reporting: Recent amendments to the Credit Reporting Privacy Code Daimhin Warner Senior Investigating Officer Office of the Privacy.

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Presentation transcript:

A new era for credit reporting: Recent amendments to the Credit Reporting Privacy Code Daimhin Warner Senior Investigating Officer Office of the Privacy Commissioner Privacy Awareness Week 2012, Privacy Forum, 2 May 2012

CRPC… what is it? Issued 2004 Modifies privacy principles Imposes controls on credit reporters Defines credit information Limits disclosure

CRPC review – an open and consultative process Reference group Consultation with key stakeholders Submissions on proposed amendments

The system from 1 April “More comprehensive”… Deep and broad What info? –Defaults, judgments etc …and the new stuff? –Credit accounts –Repayment history Who can list it? Who can see it?

What else can a code do? Credit freezing Complaints handling Assurance reports Summary of rights Subscribers agreements

What’s next? Implementation of changes Education and public awareness –UMR survey (57% don’t know they can access free report) Review in 2015… –Have the amendments been successful? –Has more comprehensive reporting brought benefits? –Are any further changes needed? Trans-Tasman info sharing?