About us


The European Credit Research Institute (ECRI) is an independent, non‐profit research institute that develops its expertise from an interdisciplinary team and networks of academic cooperation partners. It was founded in 1999 by a consortium of European banking and financial institutions. ECRI’s operations and staff are managed by the CEPS (Centre for European Policy Studies).

ECRI Statute  About CEPS

Understanding credit markets for Europe

ECRI provides in‐depth analysis and insight into the structure, evolution and regulation of consumer financial services markets in Europe. Through its research activities, publications and conferences, ECRI keeps its members and the wider public up‐to‐date on a variety of topics in the area of retail financial services at the European level, such as consumer credit and housing loans, credit reporting, responsible lending and consumer protection.

Board of Directors

  • Isabelle Guittard-Losay, President, ECRI, Head of Institutional Relationship, BNP Paribas Personal Finance
  • Jean-Bernard Huchard, Responsable Juridique, Cofidis
  • Roeland van der Stappen, Head of Regulatory Affairs, Visa
  • Krystian Ochecki,Head of Public Policy, Poland, Czech Republic and Slovakia, Mastercard
  • Carole King, Head of Public Affairs, Provident Financial
  • Ole Schröder, Member of the Executive Board, Schufa Holding AG
  • Marie Gillouard, Head of Public Affairs, Crédit Agircole Consumer Finance 
  • Lu Zurawski, Solutions Practice Lead, Consumer Payments, EMEA, ACI Worldwide
  • Elie Beyrouthy, Vive President, Government Affairs, American Express


ECRI funding comes from a variety of sources, including corporate and institutional membership fees, externally commissioned research, conference fees and publications sales.