{"id":2099,"date":"2017-09-04T20:36:09","date_gmt":"2017-09-04T20:36:09","guid":{"rendered":"http:\/\/anbc.org.br\/?p=2099"},"modified":"2025-05-28T19:52:35","modified_gmt":"2025-05-28T19:52:35","slug":"how-positive-registration-works-in-other-countries","status":"publish","type":"post","link":"https:\/\/anbc.org.br\/en\/como-e-o-cadastro-positivo-em-outros-paises\/","title":{"rendered":"What is the Positive Registry like in other countries?"},"content":{"rendered":"<p>Follow on Google News<a href=\"https:\/\/news.google.com\/publications\/CAAqBwgKMOLGnwsw79C3Aw?oc=3&amp;ceid=BR:pt-419\" target=\"_blank\" rel=\"noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-8243\" src=\"https:\/\/anbc.org.br\/wp-content\/uploads\/2020\/11\/tenor.gif\" alt=\"\" width=\"50\" height=\"50\" \/><\/a><\/p>\r\n<p>A recent study by\u00a0<strong>LCA<\/strong>\u00a0Consultores showed how the\u00a0<strong>Positive data<\/strong>\u00a0in the United States, the United Kingdom, Germany, Belgium and Mexico, countries that have had success with its application.<\/p>\r\n<p>With the exception of Germany, they have in common the automatic inclusion of the consumer in the Positive Register, without the need, as is the case in Brazil, for their express authorization.<\/p>\r\n<p>The model of inclusion without prior authorization has reduced default rates, improving the conditions for granting credit. Because they face lower risks when lending, financial institutions reduce the interest they charge. And by improving the score, consumers are empowered to negotiate better with creditors.<\/p>\r\n<p>In the United States, a simulation carried out by professors John Barron, from Purdue University, and Michael Staten, from the University of Arizona, found that the<strong>\u00a0no\u00a0<\/strong>use of data from the Positive Registry in the economy would generate an increase of 76% of the\u00a0<strong>default<\/strong>.<\/p>\r\n<p>&nbsp;<\/p>\r\n<h4 class=\"wp-block-heading\">Thanks for reading! Access other content at<a href=\"https:\/\/www.linkedin.com\/company\/anbc-associa%C3%A7%C3%A3o-nacional-dos-bir%C3%B4s-de-cr%C3%A9dito\" target=\"_blank\" rel=\"noopener\">\u00a0ANBC website<\/a>.<\/h4>\r\n<p>&nbsp;<\/p>\r\n<h3 class=\"h3-xl\" style=\"text-align: center;\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-1261\" style=\"font-size: 1rem; color: #333333; font-family: Roboto, 'Helvetica Neue', Helvetica, Arial, sans-serif; font-weight: 300;\" src=\"http:\/\/anbc.org.br\/wp-content\/uploads\/2023\/12\/elias-sfeir.webp\" alt=\"elias sfeir\" width=\"100\" height=\"100\" \/><\/h3>\r\n<p>&nbsp;<\/p>\r\n<h6>President of ANBC - National Association of Credit Bureaus. Representative of Latin America in the World Bank Credit Committee. He also represents Brazil and Latin America in credit organisations accross the world, such as ACCIS, BIIA and ALACRED.<\/h6>\r\n<p>&nbsp;<\/p>\r\n<p>&nbsp;<\/p>","protected":false},"excerpt":{"rendered":"<p>Follow on Google News A recent study by LCA Consultores showed how the Cadastro Positivo works in the United States, the United Kingdom, Germany, Belgium and Mexico, countries that have had success with its application. With the exception of Germany, they have in common the automatic inclusion of consumers...<\/p>","protected":false},"author":1,"featured_media":2100,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_robots_primary_cat":"none","_seopress_titles_title":"Como \u00e9 o Cadastro Positivo em outros pa\u00edses?","_seopress_titles_desc":"Como \u00e9 o Cadastro Positivo em outros pa\u00edses?","_seopress_robots_index":"","pgc_sgb_lightbox_settings":"","footnotes":""},"categories":[46],"tags":[80,262],"class_list":["post-2099","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-cadastro-positivo","tag-lca","blog-post"],"_links":{"self":[{"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/posts\/2099","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/comments?post=2099"}],"version-history":[{"count":1,"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/posts\/2099\/revisions"}],"predecessor-version":[{"id":2101,"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/posts\/2099\/revisions\/2101"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/media\/2100"}],"wp:attachment":[{"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/media?parent=2099"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/categories?post=2099"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/tags?post=2099"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}