1. Generally known black information such as delay is exchanged in CRIN (Credit Information Network) where as for information of consumer credit of our country which connects PCIC (Personal Credit Information Center for bank), FC$J (Federation of Credit Bureaus of Japan) which constitute 33 centers is established every industry such as consumer credit, and CIC (Credit Card Information Center).
2. American consumer credit information agency (Credit Bureau) scale is various, there are several hundred corporations, but Equifax, Experian and Transunion have occupied above the 9 tenths, other than collection report of information of private confidence trust and the like of dispatch and marketing business and credit card check dispatch business of the direct mail is done.
3. The participation system of CRIN was dealt with “The guide regarding the protection of information of the private confidence in the credit information agency” is decided in 1999. In addition, FCBJ decided “Ethical General Plan in 1981”, and the compliance manual which consists of “Management of Basic Decision”, “Code of Conduct”.
On the other hand, information agency in Europe and U.S. have possessed more concrete contents from business ethics of the confidence and the contents of the compliance program for the importance of social role.
4. Recently, the register of information of mass private information confidence becomes necessary even in the confidence information agency the time, attendant upon the quick enlargement and the like of the credit card, in the United States develops the credit score ring system to which the Fair Isaac corporation uses statistical technique for 1950 age, after that the model of the same company (“FICO score”) is adopted in three large information agencies and the share - 90 percent is said.
5. In “Green paper: Promoting a European framework for Corporate Social Responsibility” which the European commission publishes in July 2001 concerning the meaning of CSR in the European-American consumer credit information agency, CSR as the definition, “the concept whereby companies integrate social and environmental concerns in their business operations and in their interaction with their stakeholder on a voluntary basis” it is clearly written.
6. On the basis of the comparison with this kind of foreign country, concerning the second look and practical meaning at Code of Conduct of the consumer credit agency of our country which was seen from the viewpoint of CSR, ( i ) Assuring discipline moral strengthening of the employee et. al. of the consumer credit system the quick enlargement time of the quality quantity of information of confidence, (ii) Recon-struction of the Code of Conduct which is suited for the function which takes a second look the meaning of compliance study again, originally it possesses, (iii) As an adapted institution of personal information protection law in Japan, in order to be able to obtain understanding and relying on from the consumer, the further device which is directed to strengthening the disclosure, is expected.
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