Large Public Credit Registers are operated either by the central banks or state authorities in various countries. They are typically not operated by the private sector, though Credit Bureaus in some jurisdictions capture many of the items discussed above.
Growth in borrowing seems to have now settled for the time being at a rate of about 13 per cent per annum, and house prices may have risen in the December quarter of 2004. It is too early yet to know where either borrowing or house prices are headed.