Efficacy of Credit Scoring
Credit scoring systems, made possible by systems of full-file reporting, promote lowered costs of credit to wider groups of consumers.
| Study | Purpose | View Study |
| Information Sharing and SMME Financing in South Africa: A Survey of the Landscape September 2008 Conducted by: PERC | This report focuses on the current state of credit access for small, medium, and micro-enterprises in South Africa. | » Full Study |
| Financial Impacts of Disaster: What We Can Learn from Credit File Data August 2008 Conducted by: PERC | This report sheds additional light on the impact and aftermath of Hurricane Katrina. | » Full Study |
| The Structure of Information Sharing and Credit Access: Lessons for Policy July 2008 Conducted by: PERC | This white-paper, produced for the Asia-Pacific Credit Coalition, outlines recent developments in the economic impact of information sharing in consumer credit markets. | » Full Study |
| Economic Fairness Through Smarter Lending: Some Factors to Consider on the Eve of Brazilian Credit Reporting Reform October 2007 Conducted by: PERC | We survey and analyze the more comprehensive and systematic of the studies to detail important lessons to consider on the eve of credit reporting reform in Brazil. | » White Paper / Full Study » White Paper / Short Study » White Paper / Full Study - Portuguese » White Paper / Short Study - Portuguese |
| Credit Scoring and Its Effects on the Availability and Affordability of Credit August 2007 Conducted by: Board of Governors Federal Reserve System | The Fair and Accurate Credit Transactions Act of 2003 directed the Federal Reserve Board and the Federal Trade Commission (FTC) to study the effects of credit scoring on credit and insurance markets and to report their findings to the Congress. | » Full Study |
| Recovery, Renewal, and Resiliency: Gulf Coast Small Businesses Two Years Later August 2007 Conducted by: PERC | 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. | » Full Study |
| The Impact of Provider- Identifiable Data on Healthcare Quality and Cost April 2007 Conducted by: PERC | This study examines the uses of provider-identifiable data within the US healthcare system. | » Full Study » Executive Summary |
| On the Impact of Credit Payment Reporting on the Financial Sector and Overall Economic Performance in Japan March 2007 Conducted by: PERC | The study compares the fragmented Japanese consumer credit reporting regime with a hypothetical comprehensive one. | » Full Study » Summary » Summary - Japanese |
| Practices of the Consumer Credit Industry in Soliciting and Extending Credit and their Effects on Consumer Debt and Insolvency June, 2006 Conducted by: Board of Governors, Federal Reserve System | Reports on the methods by which issuers of consumer credit target solicitations for credit and those to whom they will provide credit. | » Full Study |
| Financial Privacy: The Economics of Opt-In vs Opt-Out Purpose of Study: FCRA Reautorization February 12, 2004 Conducted by: Congressional Research Service | This report focuses on the economics of financial privacy in the context of the opt-out/opt-in debate, and considers the implications of a regulatory change. | » Full Study |
| The Fair Credit Reporting Act: Access, Efficiency and Opportunity - Part II September 2003 Conducted by: PERC | This study examines degradation in predictive power of a generic commercial scoring model, even when that model is "re-optimized" or"retooled" to account for simulated data restrictions. | » Full Study |
| The Fair Credit Reporting Act: Access, Efficiency, and Opportunity Published: June 2003 Conducted by: PERC/Information Policy Institute | 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. | » Full Study » Executive Summary |
