The first PERC survey of small businesses in New Orleans and other FEMA-declared disaster areas in the wake of the 2005 hurricanes finds disparate impacts among different segments of business owners. The results also yield insights into the efficacy of existing recovery policy, and identify policy shortcomings and unmet needs.
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.
The Impact of Provider- Identifiable Data on Healthcare Quality and Cost
This study examines the uses of provider-identifiable data within the US healthcare system with particular emphasis on the impact of the commercial use of this data on the market for prescription drugs. Impacts on market structure, the operation of the market, and other non-economic variables are also addressed. Additionally, the study explores the role of these data in regulatory compliance and public research.
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.
Give Credit Where Credit is Due: Increasing Access to Affordable Mainstream Credit Using Alternative Data
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.
How Safe and Secure Is It?
This study is an assessment of personal data privacy and security in business process outsourcing firms in India.
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.