Sunday, May 23, 2010

Credit Rating Accuracy

One way to solve the lack of accuracy we have had with credit ratings in the past, is to allow competition among those offering such services. One solution: Why not allow any company who feels qualified to register as a ratings analyst? Today, a small handful has a government monopoly.

If a company can show the Securities and Exchange Commission that it has qualified analysts and capability to evaluate bonds and other securities, why not have a license?

Another problem will have to be resolved: Do credit rating companies have First Amendment free speech immunity? A ruling currently going through the courts has said they possibly could be sued for errors of judgment.

That could actually impair all security analysis with its future implications.

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