The financial crisis of recent years has highlighted the three main problems in the sector: lack of competition, over-reliance on external ratings in the regulatory framework, and no liability for credit rating agencies in relation to the ratings they issue.
De seneste års finansielle krise har tydeliggjort de tre hovedproblemer i sektoren, nemlig mangel på konkurrence, overdreven afhængighed af eksterne vurderinger i reguleringssammenhæng og kreditvurderingsbureauernes manglende ansvar for de vurderinger, de udsteder.