Federico (Brunel University, UK) Ferretti 
The Law and Consumer Credit Information in the European Community [PDF ebook] 
The Regulation of Credit Information Systems

Consumer credit information systems are the tools used by the majority of lenders to manage credit risk, with lenders accessing credit reference databases managed by third party providers to evaluate a consumer‘s credit application. So far, the subject of consumer credit reporting has been left to the predominant attention of the economic and busin