Another non-major bank has come out in support of early adoption of comprehensive credit reporting, accusing the big banks of holding back sharing customer data for as long as possible. Industry super fund-owned bank ME has thrown its support behind Treasurer Scott Morrison's push to mandate comprehensive credit reporting, declaring CCR delaying tactics anti-competitive.Michael Hendricks, chief risk officer at ME, said his bank was working to participate in CCR as soon as possible. Along with many of its peers, and indeed Macquarie Bank, ME is already testing its data sharing capability."CCR helps smaller banks like ME compete by allowing us to lend to market segments which were previously unavailable through lack of data," Hendricks said.Hendricks said CCR would also be good for the overall stability of the banking system by increasing credit quality across the system, and would ultimately reduce financial exclusion, giving millions of Australians' previously excluded access to credit."CCR also allows us to lend with greater certainty, reducing the costs of bad loans over the long term.""Access to greater amounts of customer data is just another in a long list of advantages the big banks have over their smaller rivals, and which is holding back competition, the economy and consumer choice," Hendricks asserted.Banking Day asked Westpac chief executive Brian Hartzer at the bank's annual results presentation for his views on adopting CCR sooner than the mandated 1 July 2018 start date. He responded with the "it's got to be all Big Four or none" approach, an approach championed by the Australian Bankers Association."We're supportive of moving to an open regime around [CCR].  Our view is that all credit providers should be included, otherwise you actually don't have a full picture of customers' views and we'll be [ready to start] by July next year," Hartzer said. He also raised concerns about privacy and other IT-related regulation that needs to be dealt with ahead of CCR."A couple of the things are holding it up.  One of those is getting clearer about privacy and how that will work. It's a really important issue for customers and the community generally.  "And also, frankly, there's been an enormous amount of regulation related to data and systems improvements that have gotten in the way," Hartzer said."We are happy to join in but will be joining in next year."