The First-Tier Tribunal overturned portions of a 2020 enforcement notice by the U.K. Information Commissioner's Office against Experian, confirming the company's reliance on legitimate interests as a legal basis for processing credit reference agency information for direct marketing purposes. Deputy Commissioner Stephen Bonner, CIPP/E, CIPM, said marketing processes "must happen in line with the law and in an open and honest way" and the ICO noted it will consider an appeal. Experian said it is "very pleased" and remains "committed to transparency, safeguarding privacy, and helping consumers to better understand and control the use of their data."