Building credit identifies minimum loan thresholds in private credit bureaus and public credit registries, and tracks whether these credit agencies collect information from microfinance institutions, utilities and retailers.
Economy | Region | What is the minimum loan amount covered in the private credit bureau or public credit registry (%GNI/capita)? | Do retailers provide information to credit agencies? | Do retailers provide positive information to credit agencies? | Do retailers provide negative information to credit agencies? | Do utility companies provide information to credit agencies? | Do utility companies provide positive information to credit agencies? | Do utility companies provide negative information to credit agencies? | Do microfinance institutions provide information to credit agencies? | Do microfinance institutions provide positive information to credit agencies? | Do microfinance institutions provide negative information to credit agencies? |
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Afghanistan | SA | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
Albania | ECA | 0% | No | No | No | No | No | No | Yes | Yes | Yes |
Algeria | MENA | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
Angola | SSA | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
Antigua and Barbuda | LAC | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
Argentina | LAC | 0% | Yes | No | Yes | Yes | No | Yes | No | No | No |
Armenia | ECA | 0% | No | No | No | Yes | No | Yes | No | No | No |
Australia | OECD | 0% | Yes | No | Yes | Yes | No | Yes | Yes | No | Yes |
Austria | OECD | 1% | Yes | Yes | Yes | Yes | Yes | Yes | No | No | No |
Azerbaijan | ECA | 0% | No | No | No | No | No | No | No | No | No |
Bahamas, The | LAC | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
Bahrain | MENA | 0% | Yes | Yes | Yes | No | No | No | Yes | Yes | Yes |
Bangladesh | SA | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
Barbados | LAC | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
Belarus | ECA | 0% | No | No | No | No | No | No | Yes | Yes | Yes |
Belgium | OECD | 1% | Yes | Yes | Yes | No | No | No | No | No | No |
Belize | LAC | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
Benin | SSA | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
Bhutan | SA | 0% | No | No | No | Yes | Yes | Yes | Yes | Yes | Yes |
Bolivia | LAC | 0% | Yes | Yes | Yes | Yes | No | Yes | Yes | Yes | Yes |
Bosnia and Herzegovina | ECA | 0% | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
Botswana | SSA | 0% | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
Brazil | LAC | 0% | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
Brunei Darussalam | EAP | 0% | No | No | No | Yes | No | Yes | No | No | No |
Bulgaria | ECA | 0% | No | No | No | No | No | No | No | No | No |
Burkina Faso | SSA | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
Burundi | SSA | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
Cabo Verde | SSA | 0% | No | No | No | No | No | No | No | No | No |
Cambodia | EAP | 0% | No | No | No | No | No | No | Yes | Yes | Yes |
Cameroon | SSA | 0% | No | No | No | No | No | No | Yes | Yes | Yes |
Canada | OECD | 0% | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
Central African Republic | SSA | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
Chad | SSA | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
Chile | OECD | 0% | Yes | No | Yes | No | No | No | Yes | No | Yes |
China | EAP | 0% | No | No | No | Yes | Yes | Yes | Yes | Yes | Yes |
Colombia | LAC | 0% | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
Comoros | SSA | 29% | No | No | No | No | No | No | No | No | No |
Congo, Dem. Rep. | SSA | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
Congo, Rep. | SSA | 1% | No | No | No | No | No | No | No | No | No |
Costa Rica | LAC | 0% | No | No | No | Yes | Yes | Yes | No | No | No |
Côte d'Ivoire | SSA | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
Croatia | ECA | 0% | No | No | No | No | No | No | No | No | No |
Cyprus | ECA | 0% | No | No | No | No | No | No | No | No | No |
Czech Republic | OECD | 0% | No | No | No | No | No | No | Yes | Yes | Yes |
Denmark | OECD | 0% | Yes | No | Yes | Yes | No | Yes | No | No | No |
Djibouti | MENA | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
Dominica | LAC | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
Dominican Republic | LAC | 0% | Yes | Yes | Yes | Yes | Yes | Yes | No | No | No |
Ecuador | LAC | 0% | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
Egypt, Arab Rep. | MENA | 0% | Yes | Yes | Yes | No | No | No | Yes | Yes | Yes |
El Salvador | LAC | 0% | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
Equatorial Guinea | SSA | 0% | No | No | No | No | No | No | No | No | No |
Eritrea | SSA | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
Estonia | OECD | 0% | Yes | No | Yes | Yes | No | Yes | Yes | No | Yes |
Ethiopia | SSA | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
Fiji | EAP | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
Finland | OECD | 0% | No | No | No | No | No | No | No | No | No |
France | OECD | 0% | No | No | No | No | No | No | Yes | No | Yes |
Gabon | SSA | 0% | No | No | No | No | No | No | No | No | No |
Gambia, The | SSA | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
Georgia | ECA | 0% | No | No | No | Yes | Yes | Yes | Yes | Yes | Yes |
Germany | OECD | 0% | Yes | Yes | Yes | Yes | Yes | Yes | No | No | No |
Ghana | SSA | 0% | No | No | No | No | No | No | Yes | Yes | Yes |
Greece | OECD | 0% | No | No | No | No | No | No | No | No | No |
Grenada | LAC | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
Guatemala | LAC | 0% | Yes | Yes | Yes | Yes | No | Yes | No | No | No |
Guinea | SSA | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
Guinea-Bissau | SSA | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
Guyana | LAC | 0% | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
Haiti | LAC | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
Honduras | LAC | 0% | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
Hong Kong SAR, China | EAP | 0% | No | No | No | No | No | No | No | No | No |
Hungary | OECD | 0% | No | No | No | No | No | No | Yes | Yes | Yes |
Iceland | OECD | 0% | Yes | Yes | Yes | Yes | No | Yes | Yes | No | Yes |
India | SA | 0% | No | No | No | No | No | No | Yes | Yes | Yes |
Indonesia | EAP | 0% | No | No | No | No | No | No | Yes | Yes | Yes |
Iran, Islamic Rep. | MENA | 0% | Yes | No | Yes | No | No | No | Yes | Yes | Yes |
Iraq | MENA | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
Ireland | OECD | 0% | No | No | No | No | No | No | No | No | No |
Israel | OECD | 0% | No | No | No | Yes | No | Yes | No | No | No |
Italy | OECD | 0% | No | No | No | No | No | No | Yes | Yes | Yes |
Jamaica | LAC | 0% | No | No | No | No | No | No | Yes | Yes | Yes |
Japan | OECD | 0% | Yes | Yes | Yes | No | No | No | No | No | No |
Jordan | MENA | 0% | No | No | No | No | No | No | No | No | No |
Kazakhstan | ECA | 0% | No | No | No | No | No | No | Yes | Yes | Yes |
Kenya | SSA | 0% | No | No | No | Yes | Yes | Yes | Yes | Yes | Yes |
Kiribati | EAP | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
Korea, Rep. | OECD | 0% | Yes | Yes | Yes | No | No | No | Yes | Yes | Yes |
Kosovo | ECA | 0% | No | No | No | No | No | No | Yes | Yes | Yes |
Kuwait | MENA | 0% | Yes | Yes | Yes | No | No | No | No | No | No |
Kyrgyz Republic | ECA | 0% | No | No | No | No | No | No | Yes | Yes | Yes |
Lao PDR | EAP | 0% | No | No | No | No | No | No | No | No | No |
Latvia | ECA | 0% | Yes | No | Yes | Yes | No | Yes | Yes | Yes | Yes |
Lebanon | MENA | 0% | No | No | No | No | No | No | Yes | Yes | Yes |
Lesotho | SSA | 0% | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
Liberia | SSA | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
Libya | MENA | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
Lithuania | ECA | 0% | Yes | No | Yes | Yes | No | Yes | Yes | Yes | Yes |
Luxembourg | OECD | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
Macedonia, FYR | ECA | 0% | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
Madagascar | SSA | 0% | No | No | No | No | No | No | Yes | Yes | Yes |
Malawi | SSA | 0% | No | No | No | Yes | No | Yes | Yes | Yes | Yes |
Malaysia | EAP | 0% | Yes | No | Yes | Yes | No | Yes | Yes | Yes | Yes |
Maldives | SA | 0% | No | No | No | No | No | No | No | No | No |
Mali | SSA | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
Malta | MENA | 23% | No | No | No | No | No | No | No | No | No |
Marshall Islands | EAP | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
Mauritania | SSA | 1% | No | No | No | No | No | No | Yes | Yes | Yes |
Mauritius | SSA | 0% | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
Mexico | LAC | 0% | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
Micronesia, Fed. Sts. | EAP | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
Moldova | ECA | 0% | No | No | No | No | No | No | Yes | Yes | Yes |
Mongolia | EAP | 0% | No | No | No | Yes | Yes | Yes | Yes | Yes | Yes |
Montenegro | ECA | 0% | No | No | No | No | No | No | Yes | Yes | Yes |
Morocco | MENA | 0% | No | No | No | No | No | No | Yes | Yes | Yes |
Mozambique | SSA | 0% | No | No | No | No | No | No | No | No | No |
Myanmar | EAP | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
Namibia | SSA | 0% | Yes | Yes | Yes | Yes | No | Yes | Yes | Yes | Yes |
Nepal | SA | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
Netherlands | OECD | 1% | Yes | Yes | Yes | No | No | No | No | No | No |
New Zealand | OECD | 0% | Yes | Yes | Yes | Yes | Yes | Yes | No | No | No |
Nicaragua | LAC | 0% | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
Niger | SSA | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
Nigeria | SSA | 0% | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
Norway | OECD | 0% | No | No | No | No | No | No | No | No | No |
Oman | MENA | 0% | No | No | No | No | No | No | No | No | No |
Pakistan | SA | 0% | No | No | No | No | No | No | Yes | Yes | Yes |
Palau | EAP | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
Panama | LAC | 0% | Yes | Yes | Yes | Yes | Yes | Yes | No | No | No |
Papua New Guinea | EAP | 0% | Yes | No | Yes | No | No | No | Yes | No | Yes |
Paraguay | LAC | 0% | Yes | No | Yes | Yes | No | Yes | No | No | No |
Peru | LAC | 0% | No | No | No | Yes | Yes | Yes | Yes | Yes | Yes |
Philippines | EAP | 0% | No | No | No | No | No | No | No | No | No |
Poland | OECD | 0% | No | No | No | Yes | Yes | Yes | No | No | No |
Portugal | OECD | 0% | No | No | No | No | No | No | No | No | No |
Puerto Rico (U.S.) | LAC | 0% | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
Qatar | MENA | 0% | No | No | No | No | No | No | No | No | No |
Romania | ECA | 0% | No | No | No | No | No | No | Yes | Yes | Yes |
Russian Federation | ECA | 0% | No | No | No | No | No | No | Yes | Yes | Yes |
Rwanda | SSA | 0% | No | No | No | Yes | Yes | Yes | Yes | Yes | Yes |
Samoa | EAP | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
San Marino | ECA | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
São Tomé and Príncipe | SSA | 10% | No | No | No | No | No | No | No | No | No |
Saudi Arabia | MENA | 0% | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
Senegal | SSA | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
Serbia | ECA | 0% | No | No | No | No | No | No | No | No | No |
Seychelles | SSA | 0% | No | No | No | No | No | No | Yes | Yes | Yes |
Sierra Leone | SSA | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
Singapore | EAP | 0% | No | No | No | No | No | No | No | No | No |
Slovak Republic | OECD | 0% | No | No | No | No | No | No | Yes | Yes | Yes |
Slovenia | OECD | 0% | No | No | No | No | No | No | No | No | No |
Solomon Islands | EAP | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
South Africa | SSA | 0% | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
South Sudan | SSA | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
Spain | OECD | 0% | Yes | No | Yes | Yes | No | Yes | Yes | No | Yes |
Sri Lanka | SA | 0% | No | No | No | No | No | No | No | No | No |
St. Kitts and Nevis | LAC | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
St. Lucia | LAC | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
St. Vincent and the Grenadines | LAC | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
Sudan | SSA | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
Suriname | LAC | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
Swaziland | SSA | 0% | Yes | Yes | Yes | Yes | No | Yes | Yes | No | Yes |
Sweden | OECD | 0% | No | No | No | No | No | No | No | No | No |
Switzerland | OECD | 0% | Yes | Yes | Yes | No | No | No | No | No | No |
Syrian Arab Republic | MENA | 0% | No | No | No | No | No | No | Yes | Yes | Yes |
Taiwan, China | EAP | 0% | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
Tajikistan | ECA | 0% | No | No | No | No | No | No | Yes | Yes | Yes |
Tanzania | SSA | 0% | Yes | No | Yes | No | No | No | Yes | Yes | Yes |
Thailand | EAP | 0% | No | No | No | No | No | No | No | No | No |
Timor-Leste | EAP | 0% | No | No | No | No | No | No | Yes | Yes | Yes |
Togo | SSA | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
Tonga | EAP | 0% | No | No | No | No | No | No | No | No | No |
Trinidad and Tobago | LAC | 0% | No | No | No | Yes | Yes | Yes | No | No | No |
Tunisia | MENA | 0% | No | No | No | Yes | Yes | Yes | Yes | Yes | Yes |
Turkey | ECA | 0% | No | No | No | No | No | No | No | No | No |
Uganda | SSA | 0% | No | No | No | No | No | No | No | No | No |
Ukraine | ECA | 0% | No | No | No | No | No | No | Yes | Yes | Yes |
United Arab Emirates | MENA | 0% | Yes | Yes | Yes | Yes | Yes | Yes | No | No | No |
United Kingdom | OECD | 0% | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
United States | OECD | 0% | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
Uruguay | LAC | 0% | Yes | Yes | Yes | Yes | No | Yes | Yes | Yes | Yes |
Uzbekistan | ECA | 0% | No | No | No | No | No | No | Yes | Yes | Yes |
Vanuatu | EAP | 0% | No | No | No | No | No | No | No | No | No |
Venezuela, RB | LAC | 0% | No | No | No | No | No | No | No | No | No |
Vietnam | EAP | 0% | No | No | No | No | No | No | Yes | Yes | Yes |
West Bank and Gaza | MENA | 0% | Yes | No | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
Yemen, Rep. | MENA | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
Zambia | SSA | 0% | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
Zimbabwe | SSA | 0% | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |