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Roadmap to Reform: Lessons from around the world to guide consumer credit reporting reform in Australia

Roadmap to Reform: Lessons from around the world to guide consumer credit reporting reform in Australia
October 2008
Roadmap to Reform: Lessons from around the world to guide consumer credit reporting reform in Australia

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.

The Structure of Information Sharing and Credit Access: Lessons for Policy

The Structure of Information Sharing and Credit Access: Lessons for Policy
July 2008
The Structure of Information Sharing and Credit Access: Lessons for Policy

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

Economic Fairness Through Smarter Lending: Some Factors to Consider on the Eve of Brazilian Credit Reporting Reform

Economic Fairness Through Smarter Lending: Some Factors to Consider on the Eve of Brazilian Credit Reporting Reform
October 2007
Economic Fairness Through Smarter Lending

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.

Economic Impacts of Payment Reporting Participation in Latin America

Economic Impacts of Payment Reporting Participation in Latin America
May 2007
Economic Impacts of Payment Reporting Participation in Latin America

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.

On the Impact of Credit Payment Reporting on the Financial Sector and Overall Economic Performance in Japan

On the Impact of Credit Payment Reporting on the Financial Sector and Overall Economic Performance in Japan
March 2007
On the Impact of Credit Payment Reporting on the Financial Sector and Overall Economic Performance in Japan

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.

Got something to add?

PERC is working to build the best online resource for alternative data and information-led development on the Web. If you feel we missed any important resource, please e-mail Jaki Bradley at bradley@perc.net.

PERC's areas of expertise include:

Information-led Development

PERC is a global leader in information-led development, the use of robust sets of information to enable economic development and asset building on a massive scale. See the project page for more information.


Alternative Data

Since 2003, PERC scholars have lectured policy makers on six continents -- from the World Bank to the United States Congress -- on the use of non-financial payment information, such as energy utility and rental payments, for credit scoring and asset building, also known as alternative data. For more information on this signature issue, please see the project page.


Financial Impacts of Disaster

PERC has pioneered the use of credit file and other data sets to track the economic effects of natural disasters and other exogenous shocks, as well as evaluating recovery efforts. Most recently, PERC examined economic recovery in the Gulf Coast after the 2005 hurriances.


Consumer Credit Access in the United States

Dataflows and Global Development

Projects in this category consider the interplay between technological and educational endowments, regulatory regimes, and economic development. Projects in this category have examined the relationship between a variety of factors—from cross-border data flows to credit reporting systems—and how these factors affect developing and developed world economic performance.

Data Security

Worldwide Sourcing

These activities are focused on the phenomenon of worldwide sourcing (better known as offshore outsourcing) and examining its economic impact domestically and abroad. PERC places particular emphasis on how cross-border data flows, data security practices, and legal frameworks for data protection may affect worldwide sourcing patterns.


Media Concentration and Convergence

Data Privacy

Media comment or questions?


All inquiries should be directed to:

Jaki Bradley
Special Projects Manager
+1 919 338 2798 x 803
bradley@perc.net