[20200827]IF11630_金融服务中的替代数据.pdf

https:/crsreports.congress.gov August 27, 2020Alternative Data in Financial ServicesAlternative data generally refer to information used to determine a consumers creditworthiness that the national consumer reporting agenciesEquifax, Experian, and TransUniondo not traditionally use to calculate a credit score. These reporting agencies generally create consumer reports containing historical information about repayment on credit products such as mortgages, student loans, credit cards, and auto loans. Credit applications, bankruptcies, and debts in collection also are regularly included. In contrast, alternative data include additional consumer financial data not regularly contained in traditional credit files. New technology makes it possible for financial institutions to gather other information, including financial and nonfinanical data, from a variety of sources. The Consumer Financial Protection Bureau (CFPB) included the following list of alternative data examples in a 2017 request for information: Data showing trends or patterns in traditional loan repayment data. Payment data relating to non-loan products requiring regular (typically monthly) payments, such as telecommunicatio