Published: November 2009
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.