[libria]

I totally get your sentiment about it forcing reform. What would replace it though?

Risk assessment is a valid concern for lenders. Diligent payers should be rewarded.

[cinquemb]

I don't think the lending industry would go away with a leak, though I do think that more players with the ability to analyze the data could have come along and used the data set to lower the costs of lending and/or incentivized other systems of data collection/risk analysis and underwriting.

Though I do think it would have hurt the bottom line of the giants that have few incentives to innovate, and many incentives to maintain the way things are.