© 2006

The Economics and Regulation of Financial Privacy

An International Comparison of Credit Reporting Systems


Part of the Contributions to Economics book series (CE)

Table of contents

  1. Front Matter
    Pages i-xii
  2. Pages 1-5
  3. Pages 257-260
  4. Back Matter
    Pages 261-300

About this book


This book provides the first in-depth analysis of the economics and regulation of financial privacy. It is an international comparison of credit reporting systems in the United States and in European countries. On the theoretical level the book explains competition in information markets, especially in markets for goods made of highly personal and sensitive information. It reviews the microeconomics of information and privacy and discusses the economic incentives to disclose or to conceal information. The book also focuses on the institutions of credit reporting, the history of credit reporting agencies and the regulation of privacy and credit reporting on both sides of the Atlantic as well as internationally. Finally, on the empirical level, it reviews the microeconomic and potential macroeconomic effects of credit reporting in the credit markets of countries around the world.


Credit Markets Credit Reporting Financial Privacy Information Economics Privacy Regulation competition institutions privacy

Authors and affiliations

  1. 1.John F. Kennedy InstitutFreie Universität BerlinBerlinGermany

Bibliographic information

Industry Sectors
Finance, Business & Banking


From the reviews:

"Economist Jentzsch wrote this volume to provide an in-depth analysis of the economics and regulation of financial privacy, a topic that has received little academic interest. … The volume includes extensive references, a brief glossary of terms, and an appendix reviewing financial privacy around the world, which reflects cultural as well as political determinants of privacy and information on statistical variables. Summing Up: Recommended. Graduate students, faculty and researchers." (D. C. Daly, CHOICE, Vol. 44 (9), May, 2007)