PERC’s landmark study on bringing the estimated 35 to 54 million Americans outside the mainstream credit system into the credit fold, Give Credit Where Credit Is Due offers feasible market solutions involving “alternative” or non-traditional payment data, such as payment obligations such as rent, gas, electric, insurance, and other recurring obligations, to evaluate the risk profile of a potential borrower.

Identity theft is a significant problem in need of federal legislation. Any standard for breach notification must be uniform and therefore national. This study examines the challenges of establishing a national standard.