Since our inception, PERC has helped to change national law in more than in 6 continents. In other cases PERC has worked with regulators to promote inclusive and responsible credit data sharing regimes that always place consumer rights and protections as utmost priority. As a result of our long track record of success in policy fora, PERC has earned a reputation as think-and-do tank. PERC estimates that the laws it has helped change have positively impacted the lives of more than 1.5 billion persons. It is in this spirit that PERC Canada shall go fourth.