Chapter

Data use in credit and insurance: controlling unfair outcomes

Harriet Hall

in The glass consumer

Published by Policy Press

Published in print June 2005 | ISBN: 9781861347350
Published online March 2012 | e-ISBN: 9781447303831 | DOI: http://dx.doi.org/10.1332/policypress/9781861347350.003.0007
Data use in credit and insurance: controlling unfair outcomes

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This chapter demonstrates how the use of personal information can expand overall access to credit and insurance. It focuses on impacts that are potentially exclusionary, to understand better the distribution of the risks and benefits of personal information use — and to consider the scope for creative solutions to new forms of exclusion. It also discusses what is known about the adverse effects data use can have on access to credit and insurance and then examines the success of policy responses.

Keywords: credit; insurance; personal information; information use; data use; policy

Chapter.  10124 words. 

Subjects: Social Research and Statistics

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