tailieunhanh - Consumer credit - regulated and exempt agreements

Although there appear to be roughly 150 local and international credit rating agencies worldwide (Basel Committee on Banking Supervision, 2000; Langohr and Langohr, 2008, p. 384), Moody’s, Standard & Poor’s, and Fitch are clearly the dominant entities. All three operate on a worldwide basis, with offifi ces on six continents; each has ratings outstanding on tens of trillions of dollars of securities. Only Moody’s is a free-standing company, so the most information is known about that fifi rm: Its 2008 annual report listed the company’s total revenues at $ billion, its net revenues at $458 million, and its total assets at year-end at $ billion (Moody’s, 2009). Fifty-two. | Consumer credit - regulated and exempt agreements December 2008 OFT140 IMPORTANT - PLEASE NOTE This document reflects the position prior to the 2010 changes implementing the Consumer Credit Directive. Those changes apply from 1 February 2011 or earlier if a firm opts to comply with the new rules at an earlier stage. The latest position is set out in OFT140A - Consumer credit - regulated and exempt agreements November 2010 which is available on the OFT website at sharedoft businessleaflets consumercredit . Office of Fair Trading November 2010 Crown copyright 2008 This publication excluding the OFT logo may be reproduced free of charge in any format or medium provided that it is reproduced accurately and not used in a misleading context. The material must be acknowledged as crown copyright and the title of the publication .

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