= Doing Business reform making it easier to do business. 
= Doing Business reform making it more difficult to do business.
Afghanistan
DB 2010:
Access to credit was strengthened with a new law on secured transactions that broadens the scope of assets that can be used as collateral—including future assets—and allows a general description of debts and obligations. The new law also allows out- of-court enforcement.
Albania
DB 2009:
A public credit registry was established allowing financial institutions to share credit information and covering 8.3 percent of the adult population. This reform allows banks to better evaluate the creditworthiness of potential borrowers, facilitating access to credit for firms and individuals.
Algeria
DB 2012:
Algeria improved its credit information system by guaranteeing by law the right of borrowers to inspect their personal data.
Angola
DB 2012:
Angola strengthened its credit information system by adopting new rules for credit bureaus and guaranteeing the right of borrowers to inspect their data.
Armenia
DB 2012:
Armenia improved its credit information system by introducing a requirement to collect and distribute information from utility companies.
DB 2010:
Access to credit information was strengthened by establishing a legal framework for credit bureaus and regulating credit information collection and the preparation of credit reports.
DB 2008:
A private credit bureau started operating on February 1, 2007. It distributes credit information about firms and individuals, has no minimum loan requirement and guarantees all borrowers access to their credit reports.
Azerbaijan
DB 2011:
Azerbaijan improved access to credit by establishing an online platform allowing financial institutions to provide information to, and retrieve it from, the public credit registry.
DB 2010:
The public credit registry enhanced access to credit information by giving banks online access to the database, providing more data on borrowers, and introducing penalties for banks that send late or incorrect information.
DB 2009:
The minimum threshold was eliminated for reporting loans to the public credit registry in September 2007. The public registry now records information on all loans made by the financial system, more than doubling the coverage of borrowers with a credit history.
Belarus
DB 2011:
Belarus enhanced access to credit by facilitating the use of the pledge as a security arrangement and providing for out-of-court enforcement of the pledge on default.
DB 2009:
The public credit registry expanded credit information by eliminating the minimum threshold for loans recorded in its database. It also guaranteed the right of borrowers to review their data, improving accuracy.
Benin
DB 2012:
Access to credit in Benin was improved through amendments to the OHADA (Organization for the Harmonization of Business Law in Africa) Uniform Act on Secured Transactions that broaden the range of assets that can be used as collateral (including future assets), extend the security interest to the proceeds of the original asset and introduce the possibility of out-of-court enforcement.
Bhutan
DB 2012:
Bhutan improved its credit information system by launching the operation of a public credit registry.
Brazil
DB 2012:
Brazil improved its credit information system by allowing private credit bureaus to collect and share positive information.
Burkina Faso
DB 2012:
Access to credit in Burkina Faso was improved through amendments to the OHADA Uniform Act on Secured Transactions that broaden the range of assets that can be used as collateral (including future assets), extend the security interest to the proceeds of the original asset and introduce the possibility of out-of-court enforcement.
Cambodia
DB 2012:
Cambodia strengthened its credit information system through a new regulation allowing credit bureaus to collect and distribute positive as well as negative credit information.
DB 2009:
A new secured transactions law made Cambodia the world’s top reformer in getting credit in 2007/08. The new law allows movable property to be used as collateral. And an online unified collateral registry is now in operation.
Cameroon
DB 2012:
Access to credit in Cameroon was improved through amendments to the OHADA Uniform Act on Secured Transactions that broaden the range of assets that can be used as collateral (including future assets), extend the security interest to the proceeds of the original asset and introduce the possibility of out-of-court enforcement.
DB 2009:
Information from the regional public credit registry was made more easily accessible to banks through an online system. The system simplifies the reporting and retrieval of information and has led to significant growth in coverage.
Cape Verde
DB 2012:
Cape Verde improved its credit information system by introducing a new online platform and by starting to provide 5 years of historical data.
DB 2010:
Access to credit information was improved by introducing online access for providers and retrievers of information. At the same time, the government raised the minimum threshold for loans included in the database from CVE 1,000 to CVE 5,000 for individuals.
Central African Republic
DB 2012:
Access to credit in the Central African Republic was improved through amendments to the OHADA Uniform Act on Secured Transactions that broaden the range of assets that can be used as collateral (including future assets), extend the security interest to the proceeds of the original asset and introduce the possibility of out-of-court enforcement.
DB 2009:
Information from the regional public credit registry was made more easily accessible to banks through an online system. The system simplifies the reporting and retrieval of information.
Chad
DB 2012:
Access to credit in Chad was improved through amendments to the OHADA Uniform Act on Secured Transactions that broaden the range of assets that can be used as collateral (including future assets), extend the security interest to the proceeds of the original asset and introduce the possibility of out-of-court enforcement.
DB 2009:
Information from the regional public credit registry was made more easily accessible to banks through an online system. The system simplifies the reporting and retrieval of information.
Chile
DB 2012:
Chile strengthened its secured transactions system by implementing a unified collateral registry and a new legal framework for nonpossessory security interests.
China
DB 2009:
Getting credit was made easier by expanding the range of assets that can be used as collateral through a new property law in October 2007. Accounts receivable and a combination of assets can now be used to secure a loan.
DB 2008:
A new bankruptcy law gives secured creditors priority in receiving proceeds from their collateral if the borrower becomes insolvent. The bankruptcy law also allows bankruptcy administrators to operate the insolvent company in place of the original management. And a new property law expands the range of assets that can be used as collateral to include inventory and accounts receivable. Before the reform, Chinese businesses held more than $2 trillion in "dead capital" - assets that could not be used as collateral because of restrictions in laws. With the new property law, some of these assets can be used for loans to expand businesses.
Colombia
DB 2010:
Access to credit improved thanks to a new credit information law that guarantees the right of borrowers to inspect their own data and new rules that make it mandatory for credit providers to consult and share information with credit bureaus.
Comoros
DB 2012:
Access to credit in Comoros was improved through amendments to the OHADA Uniform Act on Secured Transactions that broaden the range of assets that can be used as collateral (including future assets), extend the security interest to the proceeds of the original asset and introduce the possibility of out-of-court enforcement.
Congo, Rep.
DB 2012:
Access to credit in the Republic of Congo was improved through amendments to the OHADA Uniform Act on Secured Transactions that broaden the range of assets that can be used as collateral (including future assets), extend the security interest to the proceeds of the original asset and introduce the possibility of out-of-court enforcement.
DB 2009:
Modernization of the regional public credit registry of the Central African Monetary Union allowed banks to upload and retrieve information on borrowers online.
Côte d'Ivoire
DB 2012:
Access to credit in Côte d’Ivoire was improved through amendments to the OHADA Uniform Act on Secured Transactions that broaden the range of assets that can be used as collateral (including future assets), extend the security interest to the proceeds of the original asset and introduce the possibility of out-of-court enforcement.
Croatia
DB 2012:
In Croatia the private credit bureau started to collect and distribute information on firms, improving the credit information system.
DB 2008:
Access to credit for businesses was significantly improved by implementing a unified system of securities registry and setting up a new private credit bureau, HROK.
Egypt
DB 2010:
Access to credit information has expanded with the addition of retailers to the database of the private credit bureau.
DB 2009:
Thanks to new regulations issued by the Central Bank of Egypt, borrowers have the right to inspect their data in the private credit bureau.
Equatorial Guinea
DB 2012:
Access to credit in Equatorial Guinea was improved through amendments to the OHADA Uniform Act on Secured Transactions that broaden the range of assets that can be used as collateral (including future assets), extend the security interest to the proceeds of the original asset and introduce the possibility of out-of-court enforcement.
DB 2009:
Information from the regional public credit registry was made more easily accessible to banks through an online system. The system simplifies the reporting and retrieval of information.
Estonia
DB 2011:
Estonia improved access to credit by amending the Code of Enforcement Procedure and allowing out-of-court enforcement of collateral by secured creditors.
Finland
DB 2009:
Regulations relating to the provision of credit information were consolidated into a single law.
France
DB 2008:
A nationwide online registry of all moveable collateral was launched. At this time it contains information for security rights in moveable property, and is being expanded to cover other assets as well.
Gabon
DB 2012:
Access to credit in Gabon was improved through amendments to the OHADA Uniform Act on Secured Transactions that broaden the range of assets that can be used as collateral (including future assets), extend the security interest to the proceeds of the original asset and introduce the possibility of out-of-court enforcement.
DB 2009:
Information from the regional public credit registry was made more easily accessible to banks through an online system.
Georgia
DB 2012:
Georgia expanded access to credit by amending its civil code to broaden the range of assets that can be used as collateral.
DB 2011:
Georgia improved access to credit by implementing a central collateral registry with an electronic database accessible online.
DB 2009:
The private credit bureau now distributes a full range of information, including on-time repayment patterns and outstanding loan amounts. Coverage increased 20-fold, and banks can now have a better understanding of the payment patterns of potential borrowers. In addition, new regulations guarantee the right of borrowers to inspect their data at the private credit bureau, helping to improve the quality and accuracy of credit information. Amendments to the civil code, effective in December 2007, address secured transactions, allowing parties to a security agreement to agree to out-of-court enforcement of the creditor’s security right at the time the parties sign the security agreement.
DB 2008:
Adding retailers, utilities and trade creditors as suppliers of information, the private credit bureau now collects credit data from 17 out of Georgia 's 18 banks, microfinance institutions, cell phone and electricity companies, in addition to the courts. The Doing Business credit information index rose from 3 to 4.
Ghana
DB 2011:
Ghana enhanced access to credit by establishing a centralized collateral registry and by granting an operating license to a private credit bureau that began operations in April 2010.
DB 2008:
The new Insolvency Law protect secured creditors' proceedings against automatic stay in case or reorganization.
Greece
DB 2010:
The private credit bureau, Tiresias, expanded the amount of information it distributes in its credit reports, enhancing access to credit information.
Guatemala
DB 2010:
The credit information system was strengthened with the adoption of a decree on access to public information that guarantees the right of borrowers to inspect their own data in any public institution. Access to credit and the regime for secured transactions were strengthened with a new collateral registry for movable assets that applies to all such assets and all types of creditors and debtors, and is searchable by debtor name.
DB 2009:
A new secured transactions law (Ley de Garantías Mobiliarias) was enacted, creating new forms of pledges over movable assets and a registry for the pledges. Under the new law, accounts receivable and inventory may be described in general terms when used as collateral and parties may agree to out-of-court enforcement of the security right at the time the security interest is created.
Guinea
DB 2012:
Access to credit in Guinea was improved through amendments to the OHADA Uniform Act on Secured Transactions that broaden the range of assets that can be used as collateral (including future assets), extend the security interest to the proceeds of the original asset and introduce the possibility of out-of-court enforcement.
Guinea-Bissau
DB 2012:
Access to credit in Guinea-Bissau was improved through amendments to the OHADA Uniform Act on Secured Transactions that broaden the range of assets that can be used as collateral (including future assets), extend the security interest to the proceeds of the original asset and introduce the possibility of out-of-court enforcement.
Guyana
DB 2011:
Guyana enhanced access to credit by establishing a regulatory framework that allows the licensing of private credit bureaus and gives borrowers the right to inspect their data.
Haiti
DB 2010:
Access to credit was strengthened with a new law that broadens the scope of assets that can be used as collateral, allows future and after-acquired property to be used as collateral, and extends the security interest of the creditor automatically to the products, proceeds, and replacements of the original asset
Honduras
DB 2012:
Honduras strengthened its secured transactions system through a new decree establishing a centralized and computerized collateral registry and providing for out-of-court enforcement of collateral upon default.
DB 2010:
A resolution was passed that enhances the operations of the public credit bureau; it classifies debtors into several groups and is designed to help banks manage risk.
DB 2008:
Access to credit was facilitated by allowing borrowers to access their data and obtain a free credit report once a year. In addition, parties to a security agreement can agree to enforce a security out of court by using a notary to take care of the out-of-court enforcement of collateral agreements.
Hungary
DB 2012:
Hungary reduced the amount of credit information available from private credit bureaus by shortening the period for retaining data on defaults and late payments (if repaid) from 5 years to 1 year.
India
DB 2008:
An electronic registry was introduced that covers the rights granted by companies. The registry can be searched by name of debtor, and is linked geographically to cover the whole country. The private credit bureau has incorporated firms to its database and now provides credit information on corporate entities.
Indonesia
DB 2009:
Getting credit was made easier by guaranteeing the right of borrowers to inspect their credit data at the Bank of Indonesia, helping to improve the quality and accuracy of the information financial institutions use in assessing the risk profiles of borrowers.
Iran
DB 2011:
The establishment of a new private credit bureau improved access to credit information.
Jordan
DB 2011:
Jordan improved its credit information system by setting up a regulatory framework for establishing a private credit bureau as well as lowering the threshold for loans to be reported to the public credit registry.
Kazakhstan
DB 2009:
The private credit bureau is adding two new suppliers of information a month, including retailers (such as furniture companies) and utilities (such as the gas company). Borrower coverage increased by 80 percent in the past year.
Kenya
DB 2010:
Access to credit was improved by implementing a law on credit bureaus that will provide a framework for a regulated, reliable system of sharing credit information.
DB 2008:
The private credit bureau also deepened its database coverage by adding retailers and utility companies as providers of information.
Kuwait
DB 2008:
The private credit bureau has added retailers to its information suppliers database, causing the credit information index to rise by 1 point.
Kyrgyz Republic
DB 2010:
Access to credit was enhanced by making secured lending more flexible and allowing general descriptions of encumbered assets and of debts and obligations. In addition, amendments to the Civil Code provide for automatic extension of security rights to proceeds of the original assets.
Latvia
DB 2010:
The new public credit registry started sharing data on loans, improving access to credit information.
Lebanon
DB 2011:
Lebanon improved its credit information system by allowing banks online access to the public credit registry’s reports.
Liberia
DB 2012:
Liberia strengthened its legal framework for secured transactions by adopting a new commercial code that broadens the range of assets that can be used as collateral (including future assets) and extends the security interest to the proceeds of the original asset.
DB 2009:
Access to credit was eased by establishing a database with credit information on borrowers at the Central Bank of Liberia. The database focuses primarily on delinquent borrowers, helping to improve the risk management tools of financial institutions.
Lithuania
DB 2011:
Lithuania’s private credit bureau now collects and distributes positive information on borrowers.
Macedonia, FYR
DB 2012:
FYR Macedonia improved its credit information system by establishing a private credit bureau.
DB 2010:
The public credit bureau increased its coverage by introducing a better database that includes more information and by lowering the minimum loan threshold.
DB 2009:
A new law on personal data protection allows borrowers to check their information at the credit registry, improving its quality and accuracy.
Madagascar
DB 2012:
Madagascar improved its credit information system by eliminating the minimum threshold for loans included in the database and making it mandatory for banks to share credit information with the credit bureau.
Malawi
DB 2012:
Malawi improved its credit information system by passing a new law allowing the creation of a private credit bureau.
Mali
DB 2012:
Access to credit in Mali was improved through amendments to the OHADA Uniform Act on Secured Transactions that broaden the range of assets that can be used as collateral (including future assets), extend the security interest to the proceeds of the original asset and introduce the possibility of out-of-court enforcement.
Marshall Islands
DB 2011:
The Marshall Islands improved access to credit through a new law on secured transactions that establishes a central collateral registry, broadens the range of assets that can be used as collateral, allows a general description of debts and obligations and assets granted as collateral and establishes clear priority rules outside bankruptcy for secured creditors.
Mauritius
DB 2010:
access to credit information was strengthened by allowing the licensing of private credit information bureaus and expanding the bureaus’ coverage to all credit facilities.
DB 2009:
Getting credit may be easier: after eliminating the minimum threshold for loan amounts, the public credit registry of the Central Bank of Mauritius now captures information on all credits extended by the financial system.
Mexico
DB 2012:
Mexico strengthened its secured transactions system by implementing a centralized collateral registry with an electronic database that is accessible online.
Micronesia
DB 2008:
The first secured transactions law was implemented and a unified online registry was launched for all security rights in movable property. The registry covers all types of creditors and debtors.
Moldova
DB 2012:
Moldova improved its credit information system by establishing its first private credit bureau.
DB 2009:
A new law was passed facilitating the creation of a private credit bureau.
Mongolia
DB 2012:
Mongolia improved its credit information system by eliminating the minimum threshold for loans included in the database.
Montenegro
DB 2009:
A new public credit registry was created, increasing the coverage of borrowers from 0 to 26 percent of the adult population. The new registry will facilitate access to credit by providing lenders with credit information on potential borrowers.
Morocco
DB 2010:
Access to credit was strengthened with a new private credit bureau that began operating in March 2009.
DB 2009:
The right of borrowers to inspect data on their creditworthiness was guaranteed, increasing their ability to control the accuracy of the information used by financial institutions in assessing their risk profiles.
Niger
DB 2012:
Access to credit in Niger was improved through amendments to the OHADA Uniform Act on Secured Transactions that broaden the range of assets that can be used as collateral (including future assets), extend the security interest to the proceeds of the original asset and introduce the possibility of out-of-court enforcement.
Nigeria
DB 2010:
The central bank issued a guideline in October 2008 defining the licensing, operational, and regulatory requirements for a private credit bureau.
Oman
DB 2012:
Oman improved its credit information system by launching the Bank Credit and Statistical Bureau System, which collects historical information on performing and nonperforming loans for both firms and individuals.
Pakistan
DB 2008:
The private credit bureau has expanded the scope of information distributed to include positive as well as negative credit information. In addition to late payments and defaults information, the original and outstanding loan amounts are now distributed to lenders as well. Pakistan 's public credit registry eliminated its loan threshold of 500,000 Pakistan rupees ($8,350), boosting coverage by 20 times.
Papua New Guinea
DB 2011:
Operation of a new private credit bureau improved the credit information system in Papua New Guinea.
Paraguay
DB 2012:
Paraguay improved its credit information system by establishing an online platform for financial institutions to exchange information with the public credit registry.
Philippines
DB 2010:
Access to credit was enhanced with a new credit information act that regulates the operations and services of a credit information system.
Poland
DB 2010:
Access to credit was improved by allowing all legal persons (including foreign entities) to hold or grant security interests.
Qatar
DB 2012:
Qatar improved its credit information system by starting to distribute historical data and eliminating the minimum threshold for loans included in the database.
Russia
DB 2008:
A private bureau, National Bureau of Credit Histories (NBKI), started operations in March 2006. A draft of the law dates back to 1992, but only increased consumer lending and the requirement for banks to submit credit data, made the reform possible. This afforded Russia to climb from 0 to 4 in DB's credit information index rose from 0 to 4.
Rwanda
DB 2012:
In Rwanda the private credit bureau started to collect and distribute information from utility companies and also started to distribute more than 2 years of historical information, improving the credit information system.
DB 2011:
Rwanda enhanced access to credit by allowing borrowers the right to inspect their own credit report and mandating that loans of all sizes be reported to the central bank’s public credit registry.
DB 2010:
Getting credit was made easier with a new secured transactions act and insolvency act to make secured lending more flexible, allowing a wider range of assets to be used as collateral and a general description of debts and obligations. In addition, out of court enforcement of collateral has become available to secured creditors, who also now have top priority within bankruptcy.
Saudi Arabia
DB 2011:
An amendment to Saudi Arabia’s commercial lien law enhanced access to credit by making secured lending more flexible and allowing out-of-court enforcement in case of default.
DB 2008:
The credit information index for the private bureau was enhanced by launching a commercial credit bureau that issues reports including the credit exposure of companies.
Senegal
DB 2012:
Access to credit in Senegal was improved through amendments to the OHADA Uniform Act on Secured Transactions that broaden the range of assets that can be used as collateral (including future assets), extend the security interest to the proceeds of the original asset and introduce the possibility of out-of-court enforcement.
Serbia
DB 2010:
A new law on personal data protection guarantees that borrowers can inspect their own data, thus improving access to credit information.
Sierra Leone
DB 2012:
Sierra Leone improved its credit information system by enacting a new law providing for the creation of a public credit registry.
DB 2010:
A new act makes it easier for companies to get credit by providing for the use of fixed and floating charges over company assets.
Slovakia
DB 2012:
The Slovak Republic improved its credit information system by guaranteeing by law the right of borrowers to inspect their own data.
Slovenia
DB 2008:
The public credit registry decreased the scope of the credit information collected, by increasing the minimum loan requirement from 0 to 500 Euros.
Solomon Islands
DB 2011:
The Solomon Islands strengthened access to credit by passing a new secured transactions law that broadens the range of assets that can be used as collateral, allows a general description of debts and obligations secured by collateral, permits out-of-court enforcement and creates a collateral registry.
South Africa
DB 2008:
Lenders are now required to check their overall debt levels before granting loans and guarantees borrowers the right to access and challenge their credit records.
Sri Lanka
DB 2010:
Access to credit information was strengthened with a new system consolidation process at the private credit bureau, allowing credit data to be submitted by all shareholder lending institutions without any reporting threshold. The volume of registry data has grown 10-fold relative to the same period in 2007.
DB 2009:
The legal rights of creditors were strengthened by enforcing the new Companies Act. When a company goes into liquidation, the claims of its secured creditors are no longer frozen. Secured creditors now have the right during liquidation to seize or attach their collateral or appoint a receiver. Sri Lanka also implemented an online system for uploading credit information. Now the Credit Information Bureau (CRIB) can collect data on all loans extended by its members. The minimum threshold for the loans recorded was eliminated and data can be maintained over a longer period.
DB 2008:
The credit bureau restricted the availability of information on repaid defaults to only 1 year, while defaults settled through the courts are kept for 3 years.
Syria
DB 2011:
Syria enhanced access to credit by eliminating the minimum threshold for loans included in the database, which expanded the coverage of individuals and firms to 2.8% of the adult population.
Taiwan, China
DB 2009:
The civil code was amended to make secured lending more flexible. Since September 2007 parties to a mortgage or pledge agreement have been allowed to set the loan amount as a maximum line of credit.
Tajikistan
DB 2012:
Access to credit using movable property in Tajikistan became more complicated because the movable collateral registry stopped its operations in January, 2011.
DB 2010:
A new law on credit histories improves access to credit information by creating a private credit bureau.
Timor-Leste
DB 2012:
Timor-Leste improved its credit information system by establishing a public credit registry.
Togo
DB 2012:
Access to credit in Togo was improved through amendments to the OHADA Uniform Act on Secured Transactions that broaden the range of assets that can be used as collateral (including future assets), extend the security interest to the proceeds of the original asset and introduce the possibility of out-of-court enforcement.
Tonga
DB 2012:
Tonga strengthened its secured transactions system by passing a new law that allows a general description of the obligation in the security agreement and gives secured creditors priority outside bankruptcy.
Trinidad and Tobago
DB 2008:
Utility companies are now included as providers of information to credit bureaus increasing the credit information index.
Tunisia
DB 2009:
The Central Bank of Tunisia now collects and distributes more detailed credit information from banks—both positive information (such as loan amounts) and negative information (such as arrears and defaults). And individuals and firms can check their credit data in all Central Bank offices.
DB 2008:
Credit information was enhanced by lowering the minimum loan requirement at its public registry from 20,000 DT to zero.
Turkey
DB 2010:
The private credit bureau now includes firms in its database.
Uganda
DB 2011:
Uganda enhanced access to credit by establishing a new private credit bureau.
Ukraine
DB 2009:
A new private credit bureau has made it easier to get credit by sharing credit information among financial institutions. Now banks can better assess the creditworthiness of potential borrowers.
United Arab Emirates
DB 2012:
The United Arab Emirates improved its credit information system through a new law allowing the establishment of a federal credit bureau under the supervision of the central bank.
DB 2011:
The United Arab Emirates enhanced access to credit by setting up a legal framework for the operation of the private credit bureau and requiring that financial institutions share credit information.
DB 2009:
The credit bureau, Emcredit, started collecting information on the repayment pattern of individual borrowers as well as firms in February 2007. This has allowed better supervision of the debt level of banks and borrowers.
Uruguay
DB 2012:
Uruguay improved its credit information system by introducing a new online platform allowing access to credit reports for financial institutions, public utilities and borrowers.
Uzbekistan
DB 2009:
A private credit bureau and a public credit registry were established to share credit information among financial institutions. The credit registries will enable banks to better assess the creditworthiness of potential borrowers.
Vanuatu
DB 2010:
The government created a geographically centralized, unified registry for collateral, strengthening access to credit and secured transactions. The registry is accessible online.
DB 2009:
Creditor protections were strengthened by ensuring that secured creditors have priority outside bankruptcy procedures over unsecured creditors and subsequently registered secured creditors. The improvement comes as a result of the Personal Property Securities Act passed in 2008. The act also broadens the range of assets that can be used as collateral and allows out-of-court enforcement of security rights.
Vietnam
DB 2011:
Vietnam improved its credit information system by allowing borrowers to examine their own credit report and correct errors.
DB 2009:
The public credit registry now keeps information on record longer, providing financial institutions with more data on the repayment history and debt capacity of potential borrowers.
DB 2008:
Now businesses are allowed to use a general description of assets and obligations in collateral agreements, as well as to use future assets to secure a debt or obligation.
West Bank and Gaza
DB 2009:
The Central Bank has set up an online system for lenders to access credit information.
DB 2008:
The public credit registry lowered the minimum loan requirement from 10,000 USD to 0, and instructed all the banks to disclose all loans granted to customers without minimum requirements; coverage has tripled.
Yemen
DB 2010:
Access to credit information was improved by removing the minimum threshold for loans included in the database of the public credit registry and guaranteeing the right of borrowers to view their own credit reports.
Zambia
DB 2010:
Access to credit information was improved by making it mandatory for banks and nonbank financial institutions registered with the Bank of Zambia to use credit reference reports and provide data to the credit bureau.