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. But the regulation needed to activate utility and tax reporting is still pending. The post Ecuador Credit Bureau Reform Awaits Rules on Utility and Tax Data appeared first on The Rio Times .
On 14 October 2025, Ecuador's credit bureau reform came into effect, allowing firms like Aval Buró and Equifax to build credit scores for individuals with no formal credit history. The reform expanded the data sources bureaus can use, adding four new categories: securities-market defaults, utility bill and national tax payments, mandatory telecom and commercial reporting, and social-security contributions.
However, the implementation of utility and tax reporting has been delayed as the implementing regulation is still pending. The Junta de Política y Regulación Financiera y Monetaria, the body responsible for financial policy and regulation, must define which utilities and taxes, as well as which entities, must report. Currently, social-security reporting is live since October 2025, while telecom and commercial reporting is mandatory.
The securities-market channel is also in the process of being implemented. The reform aims to increase financial inclusion by providing data that was previously unavailable, but utility and tax data remain non-operational until the regulation is published.
Written by urgent.news from The Rio Times's reporting — not their text. Machine-written — may contain errors; check the original before relying on it.
