Big Data, Big Risks: The Data Privacy Challenges For Credit Reporting Agencies

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Credit reporting agencies are arguably the gatekeepers of trust and serve a vital role in the financial ecosystem. Their operations determine an individual's creditworthiness, which affects their ability to access loans, mortgages, certain employment opportunities, rental agreements, etc.

Hence, credit reporting agencies must be fully aware of all aspects related to ensuring data privacy for their consumers. Understanding all relevant factors is the first step towards designing a data management system that effectively addresses all these factors.

This whitepaper provides a comprehensive breakdown of the regulatory considerations, past enforcement actions, and most immediate data privacy challenges facing credit reporting agencies. It also outlines how best to deal with these challenges and what the future holds for the industry as a whole.

Credit reporting companies face a combination of unique and familiar privacy-related challenges, including managing cross-border data transfers, transparency vs. complexity, and risk of data monetization, to name a few.

Credit reporting companies must develop/deploy robust data governance frameworks, leverage AI responsibly in credit scoring, and implement third-party risk management protocols, among several other measures that ensure the utmost data privacy and security.

In the United States, the Fair Credit Reporting Act (FCRA), Gramm-Leach-bliley Act (GLBA), state privacy laws CCPA/CPRA). In the European Union, the General Data Protection Regulation (GDPR). In the United Kingdom, the UK GDPR + Data Protection Act 2018. In Canada, PIPEDA. In Australia, the Australian Privacy Act. In Brazil, LGPD, etc.

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At Securiti, our mission is to enable organizations to safely harness the incredible power of Data & AI.

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Establish controls for safe adoption of AI technologies including GenAI

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Data Access Intelligence & Governance
Monitor user access to data and enforce least privilege controls

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Discover shadow and cloud-native assets and accurately classify data

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Compliance Management
Assess & improve compliance with security best practices frameworks

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Breach Impact Analysis
Analyze breach impact & automate notifications to affected individuals

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Data Flow Governance
Understand data lineage and secure real-time streaming data

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Build safe enterprise AI systems

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Implement rule-aware AI copilots across your organization’s data anywhere

View

Data Vectorization and Ingestion
Extract info from complex Unstructured Files, convert it into AI-ready formats, and sync to vector databases

View

Data Curation and Sanitization for AI
Transform raw, unstructured files into data ready for model training and tuning

View

Context-aware LLM Firewalls
Protect AI interactions with intelligent retrieval, response, and prompt firewalls

View

Unstructured Data Governance
Manage and govern unstructured data to enable its safe use with generative AI

View
Govern data for safe innovation

Data Discovery & Classification
Discover shadow and cloud-native assets and accurately classify data

View

Unstructured Data Governance
Manage unstructured data to enable safe use with generative AI

View

Data Access Governance
Monitor sensitive data access and prevent unauthorized use

View

AI Governance
Establish controls for safe adoption of AI technologies including GenAI

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Data Catalog
Enable users to easily find, understand, trust and access the data they need

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Data Lineage
Automatically track changes and transformations of data throughout its lifecycle

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Automate your incident management and optimize notifications to users & regulatory bodies

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