**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.

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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 |

Eswatini | SSA | 0% | Yes | Yes | 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 |

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 |