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Ecuador Credit Bureau Reform Awaits Rules on Utility and Tax Data

Ecuador's credit bureaus can now draw on securities-market, social-security, utility and tax data under a law in force since 14 October 2025.

  • Ecuador's credit bureau reform took effect on 14 October 2025.
  • Utility and tax data reporting delayed due to pending regulation.
  • Social-security reporting live since October 2025.

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