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 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.

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.

PERC fellow Dr. Joseph Duncan discusses FCRA reauthorization in the Journal of Business Economics. Reprinted with permission from the National Association for Business Economics, 1233 20th St NW, Ste 505, Washington, DC 20036, www.nabe.com.