Credit Industry & Policy Expert Witness
Underwriting, alternative data, regulatory economics, and the business of credit information.
Some matters are less about a specific report or score and more about how the credit ecosystem operates: what is standard practice, what regulators expect, how new data or models should be used, and how policy affects inclusion and risk. We bring decades of work at that system level — including research that Congress, regulators, and courts have relied on.
Areas we cover
- ◆Design and use of credit scores in underwriting and account management.
- ◆Adoption and governance of alternative data, including utility, telecom, and rental payment data.
- ◆Credit bureau and data-provider business models and incentives.
- ◆The evolution of fair credit reporting law and related regulation, including FACTA.
- ◆Consumer data regulation and information-sharing policy.
How we help
- ◆Establish what is typical and atypical in industry practice.
- ◆Show how policy and economic rationales translate into concrete systems.
- ◆Frame what is reasonable to expect of lenders, bureaus, and data furnishers in context.
Data regulation
Dr. Turner gave trial testimony in IMS Health v. Sorrell (D. Vt.), and his research supported the data-industry side when the case reached the U.S. Supreme Court as Sorrell v. IMS Health (2011), now a leading First Amendment precedent on data regulation.
Selected regulatory and data-regulation matters
- ◆IMS Health v. Sorrell (D. Vt.; trial testimony)
- ◆Colorado UCCC Administrator v. Avant (Denver Dist. Ct.)
A full list of matters is available on request.
Two economists who explain credit data to judges and juries.
What is alternative data in credit scoring?
Alternative data is payment information not traditionally reported to the nationwide credit bureaus — such as utility, telecom, and rent payments. Research by Dr. Turner and Patrick Walker helped establish how this data can make previously unscorable consumers scorable.
Can you testify about industry standards?
Yes. Much of our testimony addresses what is standard practice for bureaus, furnishers, and lenders — the benchmark against which reasonableness is often judged.
Bring us in early.
The most consequential credit matters turn on how scores and reports actually work. Tell us about yours.
Request a consultation