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.
This paper analyzes the positives and negatives of a credit file freeze.
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.
This study is an assessment of personal data privacy and security in business process outsourcing firms in India.
This study examines the relationship between tort costs in the United States and the incentive to invest in innovative activities.
This paper highlights a potential threat to a new model for economic development posed
by European-style data privacy regulatory regimes.
This survey rates the accurateness of five privacy surveys released in 2003.
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.
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.