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European Court of Justice clarifies circumstances in which financial institutions may exchange credit information without breaching competition law

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  • Fred Houwen

Abstract

Purpose - The purpose of this paper is to describe how The European Court of Justice's (ECJ) recent judgment inAsnef‐Equifaxv. Ausbanchas clarified the circumstances in which financial institutions may exchange information regarding the solvency and creditworthiness of their clients without falling foul of competition law. Design/methodology/approach - The paper outlines the background to the case, the judgment and provides a comment. Findings - The judgment shows that in case of any doubt there is no substitute for a rigorous analysis of the affected market in light of the case law and general guidance from the Commission and national competition authorities, before engaging in any potentially controversial activity such as information exchange. Originality/value - The paper provides insight into how financial institutions may exchange credit information without breaching competition law in the context of the ECJ judgment.

Suggested Citation

  • Fred Houwen, 2008. "European Court of Justice clarifies circumstances in which financial institutions may exchange credit information without breaching competition law," Journal of Financial Regulation and Compliance, Emerald Group Publishing Limited, vol. 16(1), pages 108-110, February.
    • Handle: RePEc:eme:jfrcpp:v:16:y:2008:i:1:p:108-110
    DOI: 10.1108/13581980810853253
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    Cited by:

    1. Caterina Giannetti & Nicola Jentzsch & Giancarlo Spagnolo, 2010. "Information Sharing and Cross-border Entry in European Banking," CEIS Research Paper 178, Tor Vergata University, CEIS, revised 21 Dec 2010.

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