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.
Towards a Rational Data Breach Notification Regime
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.
Credit File Freeze: Position Paper
This paper analyzes the positives and negatives of a credit file freeze.
Giving Underserved Consumers Better Access to the Credit System: The Promise of Non-traditional Data
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.
Class Action Tort Costs and the Consequences for Innovation
This study examines the relationship between tort costs in the United States and the incentive to invest in innovative activities.
Privacy Rights and Policy Wrongs: How Data Restrictions can Impair Information-Led Development in Emerging Markets
This paper highlights a potential threat to a new model for economic development posed
by European-style data privacy regulatory regimes.
2003 Privacy Report Card
This survey rates the accurateness of five privacy surveys released in 2003.
Congress Faces Critical Decision About Consumer Credit Legislation (The Fair Credit Reporting Act of 1970 and 1996)
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.
The Fair Credit Reporting Act: Access, Efficiency, and Opportunity
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.
Measuring the True Cost of Privacy: A Rebuttal to “Privacy, Consumers, and Costs”
The policy debate surrounding privacy is already murky, as there exists little agreement on the scope of the issues, the problems and how to resolve them, and even how privacy is defined. Robert Gellman’s latest contribution to this debate, rather than lending clarity to the issues surrounding privacy, largely serves to further muddy the waters. This is unfortunate, because, if one takes the time to sift through the ill-defined terms, overly-simplistic arguments, and unsubstantiated assertions, there are points worthy of further consideration.