Consultation on the Report of the Expert Group on Credit Histories (EGCH)

Policy field(s)
Internal market, Responsible lending

Target group(s)
All citizens and organisations were welcome to contribute to this consultation. Contributions were particularly sought from consumer organisations, financial services industry and public authorities.

Period of consultation
From 15.6.2009 to 31.8.2009

Objective of the consultation
The Expert Group on Credit Histories was announced in the Commission Communication on A single market for 21st century Europe and the White Paper on the Integration of EU Mortgage Credit Markets. The Group was mandated to indentify solutions which maximise credit data circulation whilst ensuring a high level of consumer protection (Commission Decision 2008/543/EC of 13.6.2008). The Group presented its conclusions and recommendations in the form of a report published on 15.6.2009. The objective of this consultation was to collect stakeholders reactions to this report.

View the consultation document
Consultation on the Report of the Expert Group on Credit Histories PDF - 19 KBEnglish
Report of the Expert Group on Credit Histories PDF - 472 KBEnglish

Contact details
Responsible service: DG Internal Market and Services, Unit H3 – Retail issues, consumer policy and payment services
E-mail: markt-egch@ec.europa.eu
Postal address: European Commission, SPA2 4/69, BE-1049 Brussels

Number of responses received to this consultation

View the contributions
In the interests of transparency, organisations have been invited to provide the public with relevant information about themselves by registering in the Commission's Interest Representative Register and subscribing to its Code of Conduct. If the organisation is not registered, the submission is published separately from the registered organisations.

Results of consultation and next steps

Last update: 06-07-2011