This paper examines the relationship between market structures and regulatory framework of the credit information sharing, and the performance of the financial sector.

This study examines the impact and benefits that accrue to consumers, lenders, and utilities and telecommunications firms when telecoms and utilities report customer payment information to credit bureaus.

The report offers a broad overview of PERC research on alternative data, specifically focusing on the new to credit consumer population and how their ability to obtain credit is increased through the reporting of alternative data.

PERC's Roadmap to Reform details the benefits of comprehensive credit reporting, as well as detailing transitional challenges of switching to a full-file system.

This report focuses on the current state of credit access for small, medium, and micro-enterprises in South Africa. In particular, it examines barriers to credit access and viable near-term solutions to reduce or eliminate those barriers.

This is a follow-up to the 2007 small business survey and provides further insight as to the progress of recovery from the hurricanes of 2005. As with the 2007 survey, this year’s survey asked small business owners and operators about the changing state of their business since the 2005 hurricanes, and since August of 2007.

This report sheds additional light on the impact and aftermath of Hurricane Katrina and the storms of 2005 on individuals, businesses, and communities of the Gulf Coast, using datasets previously not used for such purposes.

A follow-up to PERC's ground-breaking report on alternative data, this study examines the long-term effects of using non-traditional data in credit files using quantitative analysis.

This white-paper, produced for the Asia-Pacific Credit Coalition, outlines recent developments in the economic impact of information sharing in consumer credit markets.

This paper, published in the Journal of Risk Management in Financial Institutions, demonstrates the value of non-traditional data as a powerful tool for consumer credit risk assessment while highlighting some of the potential risks and precautions that lenders need to think about before using these tools.

As the Brazilian congress weighs its options, we survey and analyze the more comprehensive and systematic of the studies to detail important lessons to consider on the eve of credit reporting reform in Brazil.

The first PERC survey of small businesses in New Orleans and other FEMA-declared disaster areas in the wake of the 2005 hurricanes finds disparate impacts among different segments of business owners. The results also yield insights into the efficacy of existing recovery policy, and identify policy shortcomings and unmet needs.

The study assesses the impact of varying participation rates on access to credit and default rates in Latin America. A series of micro-simulations demonstrates the importance of participation in a private, full-file credit reporting system.

This study examines the uses of provider-identifiable data within the US healthcare system with particular emphasis on the impact of the commercial use of this data on the market for prescription drugs. Impacts on market structure, the operation of the market, and other non-economic variables are also addressed. Additionally, the study explores the role of these data in regulatory compliance and public research.

The study compares the fragmented Japanese consumer credit reporting regime with a hypothetical comprehensive one. Impacts of the varying regimes — each with different types and amounts of payment information available to creditors — upon access to credit and default rates, growth in lending to the private sector and overall economic growth are examined.

PERC’s landmark study on bringing the estimated 35 to 54 million Americans outside the mainstream credit system into the credit fold, Give Credit Where Credit Is Due offers feasible market solutions involving “alternative” or non-traditional payment data, such as payment obligations such as rent, gas, electric, insurance, and other recurring obligations, to evaluate the risk profile of a potential borrower.

Identity theft is a significant problem in need of federal legislation. Any standard for breach notification must be uniform and therefore national. This study examines the challenges of establishing a national standard.

PERC’s initial study on alternative data, Giving Underserved Consumers Better Access to the Credit System examines the likely win-win outcome if non-traditional data is included in credit files.

This study is an assessment of personal data privacy and security in business process outsourcing firms in India.

This study examines the relationship between tort costs in the United States and the incentive to invest in innovative activities.

This paper highlights a potential threat to a new model for economic development posed
by European-style data privacy regulatory regimes.

This study confirms the findings of the initial FCRA study. It examines degradation in predictive power of a generic commercial scoring model, even when that model is “re-optimized” or“retooled” to account for the simulated data restrictions.

This is PERC's landmark study on reauthorization of the Fair Credit Reporting Act. This study was the primary document used by Congress during the reauthorization.