Applied Studies Centers

PERC undertakes much of its research under the auspices of its three applied studies centers: The Center for Competitive Credit (CCC); the Center on the Global Information Economy (COGIE; and, the Information Policy Institute.

The Center for Competive Credit (CCC) is devoted to issues related to the price and distribution of consumer credit, at the state, federal, and international level.

The Center on the Global Information Economy (COGIE) seeks to develop better understandings of the unique challenges facing countries in their quest for growth through the use of information technology and information resources.

The Information Policy Institute The Information Policy Institute is the nation's premier center for research, education, and outreach on all issues pertaining to the regulation of information in both the United States and globally.

You Score, You Win: The Consequences of Giving Credit Where Credit is Due

Using non-traditional data for underwriting loans to thin-file borrowers: Evidence, tips and precautions

Economic Impacts of Payment Reporting Participation in Latin America

White Paper

White Paper (Spanish)

The Impact of Provider- Identifiable Data on Healthcare Quality and Cost

Executive Summary

On the Impact of Credit Payment Reporting on the Financial Sector and Overall Economic Performance in Japan

(Japanese Summary )

Give Credit Where Credit is Due: Increasing Access to Affordable Mainstream Credit Using Alternative Data

Towards a Rational Data Breach Notification Regime.

Giving Underserved Consumers Better Access to the Credit System

Information Systems, Computer Crimes, and Criminal Justice."

Edward Roche, Institute Director of Scientific Intelligence Releases Second Edition of Cybercrime Book

Recent Center on the Global Information Economy Publications

"Privacy Rights and Policy Wrongs: How Data Restrictions can Impair Information-Led Development in Emerging Markets."