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.
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.
Prime vs. AT&T: An Economic Analysis
Consumers, Citizens, Charity and Content: Attitudes Toward Teleservices
This study examines public opinion concerning various telephone-related topics, including product and service telephone solicitation, product and service acquisition habits over the telephone, satisfaction with recent telephone-based transactions, as well as opinions and household experience concerning state “Do Not Call” (DNC) lists.