Appendix

Appendix 2

Shared Information Through the CRIN

(as of March 2010)

Information bureaus	Personal Credit Information Center	Japan Credit Information Reference Center Corp. (JICC)	Credit Information Center Corp. (CIC)
Members	* banks * financial institutions * bank-affiliated credit card companies * guarantee companies	* consumer financing companies * credit card companies * installment credit companies * guarantee companies * banks * shinkin banks * credit cooperatives	* consumer credit companies * consumer credit companies affiliated with automobiles and home appliances * department stores * retailers * leasing companies * guarantee companies
Transactions registered	* consumer loans * current account transactions * guarantees * credit card transactions	* consumer loans * guarantees * credit card transactions	* credit card transactions * installment credit sales * leasing contracts * guarantees * loans * housing loans
Information shared among these bureaus	* past due * repayment of past due loans * paying off past due loans * subrogation * paying off loans after subrogation * compulsory repayment * compulsory cancellation of accounts * guarantee company paid on behalf of the debtor and the debtor has not paid back * bank transaction suspension	* past due * debt collection * guarantee company paid on behalf of the debtor and the debtor has not paid back	* past due * repayment of past due loans