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Why not demand that institutions that adopt the internal process (in order to reduce their capital requirements) disclose it fully?
The whole point of an internal process is that otherwise the bank will need a higher regulatory capital to cover credit risk (in particular counterparty risk) for the same portfolio.
Making it public would not change that. And that is a significant benefit. For some reason I don't manage to dig up the figures right now, but I remember that under Basel 2 and 3 it was a drop of about 40% of the credit risk capital.
Anyway I wouldn't terribly mind if risk evaluation was no longer an internal process but a public service for which the banks/insurances would be charged. Earth provides enough to satisfy every man's need, but not every man's greed. Gandhi
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