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.
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.