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FAIR, CLEAR AND COMPETITIVE: The Consumer Credit Market in the 21st Century

This category features the broadest application of the use of credit ratings. Member authorities from every jurisdiction submitting responses indicated that their LRSPs contained provisions using credit ratings for the purpose of determining net or regulatory capital, and more LRSPs are applied to capital requirements than to any other category of use. Credit ratings were generally used in those LRSPs as a means of mapping credit risks to capital charges or risk weights. A related use for ratings in LRSPs is the determination of margin rates; for example, certain sovereign bonds and debentures may be subject to lower margin rates. | FAIR CLEAR AND COMPETITIVE White Paper The Consumer Credit Market in the 21st Century dti The DTI drives our ambition of prosperity for all by working to create the best environment for business success in the UK. We help people and companies become more productive by promoting enterprise innovation and creativity. We champion UK business at home and abroad. We invest heavily in world-class science and technology. We protect the rights of working people and consumers. And we stand up for fair and open markets in the UK Europe and the world. Fair Clear and Competitive The Consumer Credit Market in the 21st Century Presented to Parliament by the Secretary of State for Trade and Industry by Command of Her Majesty December 2003 Cm 6040 .