Quantitative Research & Damages Modeling
Custom empirical work and damages models for litigation, enforcement, and policy — built on real-world pricing, behavior, and market structure.
Some matters require bespoke empirical work: exploring large datasets, running simulations, or building damages models grounded in how credit markets actually function. We bring the same rigor trusted by agencies and development institutions, and our models are transparent, replicable, and built to be examined — not just asserted.
Typical assignments
- ◆Estimating how many consumers would be affected by a proposed or alleged practice.
- ◆Modeling score or approval changes under different reporting regimes.
- ◆Analyzing patterns that may suggest disparate impact or redlining.
- ◆Building transparent damages models aligned with the legal theories at issue.
- ◆Assessing macro- or portfolio-level effects of rule or practice changes.
Our research base
Our empirical work includes large-sample studies of U.S. credit report accuracy and dispute impacts (2011, with a 2013 comparison to the FTC's study), the 2020 HUD study of rental payment data, and PERC's 2021 analysis of suppressing derogatory data. We have built production- and research-grade credit scorecards and reverse-engineered the FICO and VantageScore models.
Two economists who explain credit data to judges and juries.
Can opposing experts replicate your analysis?
Yes. We document data sources, assumptions, and methods so that an opposing expert can test and reproduce our results.
Bring us in early.
The most consequential credit matters turn on how scores and reports actually work. Tell us about yours.
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