In comments to the Federal Trade Commission and Consumer Financial Protection Bureau’s request for comments on accuracy in consumer reporting, the Policy & Economic Research Council (PERC) called for legislation requiring mobile network operators (MNOs including AT&T, Sprint, T-Mobile, US Cellular, and Verizon Wireless) to report credit and payment data to credit bureaus. Each […]
Counting Rent Would Improve Credit Scores of Public Housing Residents, HUD Finds
6th Financial Infrastructure Development Network hosted by the Philippines’ Department of Finance
The APCC members talk about the Secured transactions for greater Financial Inclusion using Movable assests as Collateral Registry. The delegates on the first session are focusing on Philippines Personal Property Security Act (PPSA) Republic Act No. 11057. Dr. Michael Turner speaks about “Why Credit Information sharing matters and How to get it right”, including the Stages […]
PERC and the US Department of Housing and Urban Development (HUD) are working on a joint-study to assess the impacts of including rental payment data in consumer credit reports.
PERC and the US Department of Housing and Urban Development (HUD) are working on a joint-study to assess the impacts of including rental payment data in consumer credit reports. There is growing support for this among policymakers as many millions of Americans struggle to build assets through homeownership and/or starting a small business. click the […]
More on Equifax Data Breach. PERC letter to the editor published in NY Times.
click the link to see more: https://www.nytimes.com/2017/10/01/opinion/equifax-data-breach.html?rref=collection%2Fsectioncollection%2Fopinion-letters
PERC urges Congress to amend the Credit Repair Organization Act (CROA) and exempt credit education firms.
CROA–designed to protect consumers from scam credit repair firms–was never intended to apply credit education. PERC research shows that personalized credit report and score education works–many experience increased scores and move into better risk tiers. The same studies also show that CROA deters people from using personalized credit education. Many are fearful of their credit reports and […]
Information Policy Institute White Paper Examines Data Breach Notification Legislation
A recent examination of data breach notification conducted by the Information Policy Institute identifies some pitfalls in many proposed data breach notification bills and laws. The study Towards a Rational Personal Data Breach Notification Regime by Michael Turner, President and Senior Scholar of the Political and Economic Research Council, examines trends in identity theft, identity […]
Information Policy Institute encourages Congress to enact a rational and uniform national law on consumer credit file freezing
The Information Policy Institute today released a white paper endorsing the enactment of a rational and uniform national consumer credit file freeze law. “File freeze legislation enacted in the states gives roughly one-third of all Americans some ability to freeze their credit report. These laws, however, are all over the map. Given the existence of […]
IPI study examines alternatives for underserved consumers to receive better access to mainstream credit system
As many as 35 million Americans could potentially qualify for credit from mainstream lenders by using alternative financial data in consumer reports, according to a new study released today at a symposium on consumer credit hosted by the Information Policy Institute and Experianâ, a global information solutions company. “This study finds that data from utility […]
IPI President to Serve on DHS Privacy Advisory Committee
Dr. Michael A. Turner, President and Senior Scholar of the Information Policy Institute, has been selected by the Department of Homeland Security to serve on the Data Privacy and Integrity Advisory Committee (DHS Privacy Advisory Committee). “It’s an honor to be selected to serve on this committee,” said Dr. Turner. “I look forward to working […]