The Report is an interesting comparative paper. It welcomes centralization and digitalization efforts of debt collection systems as the spot-on measures. However, the country that followed that advice to the fullest is almost called an odd-ball in the Report. It continues with preference to outsourcing public authority to private enforcement agents, despite public outcry throughout the region and despite almost non-existing appropriate monitoring of the profession in most jurisdictions. It is very important for the Bank to remain unbiased to different execution models, no matter where the financing for the Report is coming from.