Published: July 2020 This paper evaluates Hong Kong’s credit information sharing system dynamics in Hong Kong, including data gaps, the real estate bubble, and the new entrant. For full article, Click here Authors: Michael A. Turner, Ph.D., Patrick Walker, M.A, Kazumi Moore.
The following discusses the need to ensure that the Small Business Paycheck Protection Program works by using lessons learned from Gulf Coast SME recovery post-Katrina; April 6th, 2020 The COVID-19 pandemic is first and foremost a health crisis. The responses needed to stymie the rate of infections is producing an economic crisis, devastating small businesses, […]
In the midst of the emerging COVID-19 health crisis, the thoughts of PERC’s/PERC Canada’s teams are with our supporters and their families, as well as at-risk communities in the US and globally. While our immediate concern is for ensuring health and safety in the short-term, PERC is working with our supporters, policymakers, regulators, influencers, and others to help mitigate the anticipated and possibly devastating and enduring economic impacts on financially […]
Published: February 2020 In these comments, we call for legislation requiring mobile network payment data to be reported to credit bureaus. We also comment on credit data accuracy practices, and call for more research to be done following our 2011 report on data accuracy & the FTC’s 2013 report. Changes and new phenomena in data […]
Published: February 2020 This first of its kind joint-study by PERC and U.S. Department of Housing & Urban Development (HUD) investigates the impacts of reporting public housing authority (PHA) tenant rental payment data to credit bureaus. Credit invisibility affects 1 out of every 5 Americans, but in the lowest-income census tracks, almost 1 out of […]
The Information and Communications for Development report takes an in-depth look at how information and communication technologies (ICT) are impacting economic growth in developing countries. This new report, the fourth in the series, examines the topic of data-driven development, or how better information makes for better policies. The objective is to assist developing country firms […]
This study compares results with data from 2005/2006 and 2009/2010 credit reports to assess the consumer credit impact of including fully reported alternative data in credit reports. The data was selected to capture the period during which unemployment and late payments spiked. Download Link Authors: Michael A. Turner, Ph.D., Patrick Walker, M.A., Robin Varghese, Ph.D., Sukanya Chaudhuri, Ph.D.
PERC was commissioned by the OECD to write a white paper on the economic value of personal financial data for a roundtable on the current environment for protecting privacy with a focus on the economic dimension. PERC’s white paper discusses how broader information-sharing backed by consumer rights has promoted efficiency and inclusion while maintaining and […]
This policy brief, a white paper produced for the APCC in April 2010, examines the logic of information sharing as it relates to financial inclusion and suggests some policy concerns and policy targets designed to promote a financial inclusion agenda. Download Link Authors: Robin Varghese, Ph.D.