About Tony Hadley

Website: http://experian.com

Profile: Tony Hadley is Senior Vice President of Government Affairs and Public Policy for Experian. He leads the corporation’s legislative, regulatory and policy programs relating to consumer reporting, consumer finance, direct and digital marketing, e-commerce, financial education and data protection. Hadley leads Experian’s legislative and regulatory efforts with a number of trade groups and alliances, including the American Financial Services Association, the Direct Marketing Association, the Consumer Data Industry Association, the U.S. Chamber of Commerce and the Interactive Advertising Bureau. Hadley is Chairman of the National Business Coalition on E-commerce and Privacy.

Posts by Tony Hadley

CFPB Complaint Portal Needs Context to Understand the Data

Posted on Aug 12 2015 by

On July 16, the CFPB published its “first ever” monthly report providing a snapshot of complaints filed by consumers through the agency’s complaint portal. For full disclosure, Experian is one of the top three companies that received the most complaints from February through April 2015. But that is absolutely deceiving.


Top 3 CFPB Priorities for 2015

Posted on Mar 06 2015 by


We’re just a few months into a new year and already there are clear signs how the Consumer Financial Protection Bureau (CFPB) plans to further advance its regulatory authority over bank and non-bank entities across the credit ecosystem.

Here is a look at the top three priorities for the CFPB in this space:


Congress Should Take Action to Improve Financial Education In Our Country

Posted on Oct 06 2014 by

How can I improve my credit score?

That’s a question thousands of consumers ask Experian every day. This question is asked even more frequently now that lenders are sending an estimated 120 million credit-score disclosures each year to consumers when they are denied credit or are offered terms that are less favorable than those offered to others. These score disclosures provide consumers with basic information about the score used in a transaction and direct them to the national credit bureaus if they have any questions.

However, when consumers ask Experian how they can improve their credit standing, it’s difficult to respond in an easy and consumer-friendly way. The difficulty arises because, although we want to help, the Credit Repair Organizations Act (CROA) puts substantial roadblocks between credit bureaus and consumers.


Harnessing Big Data and Big Data analytics to improve financial inclusion

Posted on Sep 13 2014 by


As the increased buzz about Big Data has filtered into Washington, D.C., policymakers have sought to learn more about Big Data, the technology that drives it, and the benefits and potential impacts for consumers. To that end, there have been three government reports released over the past year — two issued (1) by the Obama administration that focused explicitly on Big Data and one by the Federal Trade Commission that centered on “data brokers.”


Five Truths About Marketing Information Service Providers (aka “Data Brokers”)

Posted on Mar 07 2014 by

In a world where customized advertising is delivered directly to the right group of people in the most targeted ways, it’s hard to remember that life wasn’t always this convenient.

Because marketing information service providers (aka: “data brokers”) play such an important role in our lives and our economy, I thought I’d share five little-known facts about the marketing data industry.


FTC’s Proposal for a Central Website for “Data Brokers” Won’t Work…Here’s Why

Posted on Mar 05 2014 by

The FTC has advocated for the creation of a central website where marketing information service providers (FTC calls them “data brokers”) would be listed, with links to these companies, their privacy policies and also choice options, giving consumers the capability to review/amend the data that companies maintain.

The FTC claims that such a website would bring needed transparency to the practices of companies that are not well-known to consumers. However, the proposal raises many more questions than it answers.

The FTC first discussed this proposal in its 2012 report, entitled “Protecting Consumer Privacy in an Era of Rapid Change: Recommendations for Businesses and Policymakers,” and FTC Commissioners and staff have repeatedly cited the need for a centralized  website in testimony before Congress and speeches to stakeholder groups. The proposal was also referenced in December 2013 reports issued by the Government Accountability Office (GAO) and Senate Commerce Committee.


Experian Discusses Responsible Information Sharing with Senator Rockefeller, Senate Committee on Commerce

Posted on Dec 18 2013 by

As Senior Vice President of Government Affairs and Public Policy at Experian, I had the opportunity to testify today before the Senate Committee on Commerce, Science and Transportation. As always, we continue to welcome the Committee’s interest in the marketing data industry.

In the spirit of cooperation, our goal is to help the Committee understand the role our data services play in the economy and in the lives of consumers.

Specifically, here are some key points we have shared to help inform the Committee’s work and interest in better understanding the marketplace:

Experian believes responsible information sharing enhances economic productivity in the United States and provides many benefits to consumers. Economists have stated the manner in which US companies collect and share consumer information among affiliated entities and third parties is the key ingredient to our nation’s productivity, innovation and ability to compete in the global marketplace.


CFPB Credit Score Report: “Correlations across the results of scoring models were high”

Posted on Sep 26 2012 by

The Consumer Financial Protection Bureau (CFPB) has just issued its latest report to Congress on credit scores sold to consumers versus credit scores sold to creditors.

The 42-page report, which you can find here, provides an analysis of different scoring models, comparing credit scores sold to creditors and those sold to consumers by the national credit reporting agencies, including Experian.

Of particular interest, and of reassurance to consumers, are some high-level conclusions from the report: