Credit Bureau (Singapore) Pte Ltd (CBS) is Singapore's most comprehensive consumer credit bureau that has full-industry uploads from all retail banks and major financial institutions. It is a joint venture between The Association of Banks in Singapore (ABS) and Infocredit Holdings Pte Ltd. The setting up of a consumer credit bureau in Singapore is a significant addition to enhance the Republic´s risk management capability. Since 2002, the Banking Act has allowed CBS members to disclose and obtain credit-related information to mitigate consumer credit risk through information pooling from CBS. The Monetary Authority of Singapore (MAS) provides the regulatory guidance and support to CBS to bolster the integrity and transparency of Singapore´s financial sector. To do this, CBS aggregates credit-related information amongst participating members and presents a more complete risk profile of a customer to credit providers. This helps credit providers to determine the likelihood of the customer repaying, thus enhancing their risk assessment capabilities. Our goal is to help credit providers make better lending decisions quickly and more objectively.