Ecuador credit bureau reform lets agencies use utility, tax and securities data, but the rules defining which entities must report are still pending.
Ecuador · ECONOMY
Key Facts
—What happened A law in force since 14 October 2025 expands the data Ecuador’s credit bureaus may use to build credit scores.
—How big Social-security reporting, live since October 2025, added 67 new reporting entities and US$2.7 billion in debts, according to Aval.
—The catch The regulation defining which utilities, taxes and entities must report is still pending, so that data is not yet flowing.
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