What clients and partners say

Dr. Turner and his team helped our financial services client in a complicated enforcement action. PERC's expert report was the star of the show. Their original quantitative research was instrumental in reaching a fair and groundbreaking settlement that could have implications nationwide. I give PERC my highest recommendation for expert witness matters pertaining to consumer credit.

[Sorrell v. IMS Health] continues to be one of the most important First Amendment precedents in numerous cases involving data regulation … PERC and Dr. Michael Turner's participation in the case was invaluable.

Dr. Turner and his team at PERC provided us with consummate expert services on a range of consumer credit reporting issues. His affirmative and rebuttal reports were instrumental in securing positive outcomes for our client.

I am always pleased to consult with Dr. Turner on matters relating to consumer credit reporting. He has helped my clients on multiple litigation and non-litigation matters, and his expertise in the field is unparalleled.

As a witness in litigation in New England, Michael provided insightful and persuasive economic analysis of legislation that had been designed to restrict the use of data for marketing purposes.

PERC's research agenda has been instrumental in driving the global dialogue for improved financial inclusion. Michael Turner and his team are committed to a fact-based policy dialectic around the nexus between policy and practical economic incentives to drive sustainable change all for the betterment of consumers. This is why I found PERC to be such a trustworthy and probative contributor to the work of the Consumer Data Industry Association when I was its president & CEO.

Since 2003, I have interacted with PERC on a number of major public policy issues relating to consumer finance, and have found them to maintain high levels of intellectual honesty and statistical integrity while avoiding ideological bias. They are well regarded by policymakers from both sides of the aisle.

Dr. Michael Turner is an articulate expert who possesses a global vision in the field of information policy, and we highly value our collaborations relative to our ongoing research in credit access and credit risk modeling. He and his staff are very thorough and methodical in conducting research and forming conclusions. Their work is theoretically sound and the results of their studies are of practical benefit to stakeholders.

TransUnion's relationship with PERC and the work they have conducted on our behalf in Central America has been invaluable. Through our joint community outreach and communication efforts, we have been able to make great strides in the education of government officials, the financial community and consumers on the benefits of a full-file credit reporting system.

The work of the Information Policy Institute has played a critical role in advancing the credit reporting debate in Australia. For over two decades various organisations have attempted to promote reform in this important area, with no success. However in a 2005 speaking tour, organised by D&B, Dr Turner applied a level of research and analysis to the debate for the first time that provided an important launching pad to the reform now being considered in Australia.

Under the leadership of Dr. Michael Turner, PERC played a critical role in getting credit information, a key element in expanding access to finance for SMEs and financial inclusion, adopted by APEC Finance Ministers as the top priority in their multi-year agenda called the Cebu Action Plan. … PERC provided thought leadership and technical expertise in various APEC discussions and workshops, and gave concrete advice to regulators and officials in the design of regulations and policies.

The Peking University ACOM Financial Information Research Center (PAFIRC) and PERC co-hosted the “Peking University International Academic Conference on Personal Credit Reporting” in Beijing. PERC's expertise on global credit reporting and credit policy issues was instrumental to the event's success. PERC's publications are widely read by government officials and academics in China and are well respected.

There have been few opportunities to move community development forward in a way that both produces systemic change and increases an individual's access to capital. The work that PERC and Dr. Michael Turner have produced to demonstrate how alternative personal information can enhance credit profiles and normalize credit access has the benefit of turning existing models on their head and altering how models will operate in the future.

PERC's research was instrumental in changing national law on credit information sharing. Using evidence, they were able to craft messages that had traction with a diverse range of lawmakers, and helped us overcome steep odds to promote a fairer and more inclusive system.

PERC is the go-to expert on credit and data policies. The staff are responsive, insightful, and trustworthy. As a Capitol Hill staffer, PERC is one of the reliable and insightful policy shops to help us understand what's happening and what the impacts could be.

PERC shared with us about their study in credit reporting industry through many ways … such as their study in the use of Alternative Data in Credit Risk Assessment, which had very important impact on China's policy about alternative data.

My experience with PERC dates back to 2006. Over that period, PERC has proved to be a driving force, and credible voice, for a more financially inclusive world. Their rigorous approach, policy analysis, and timely empirical research have provided important insights into the value of alternative data as a demonstrably sound avenue for qualifying creditworthy borrowers who are challenged to gain access to mainstream financing for their needs and to gain opportunities to improve their standard of living.

In 2009, PERC was identified by Financial Services Deepening Trust Kenya to help formulate a project that would help the Central Bank of Kenya and the credit market in Kenya establish a credit reporting framework. … PERC's work in this regard, and follow-up review of the pilot credit information sharing initiative, laid the foundation for establishment and evolution of the project into what is today a separate legal entity (CIS Kenya) that has helped transform the credit reporting space.

I have the highest respect and regard for the entire PERC team. For years, PERC has published breakthrough qualitative and quantitative analytics. Its expertise includes consumer credit, macroeconomics, and banking. PERC works with governments, institutions, and the private sector. It is one of the few policy research institutions that is recognized by the World Bank. The firm has an impeccable international reputation; renown for its influential studies on credit markets in over a dozen countries. Its landmark work has had an indelible impact on the global regulatory landscape.

Our interactions with PERC have been nothing but positive. There is a great balance between the theoretical and practical approaches to the issues of building up a credit registry with the final objective of achieving actual positive results. The presence of PERC in our seven year journey (and still ongoing) has been instrumental in any and all of our successes.

PERC has worked with us for at least seven years. We are very happy with their performance. They have a deep understanding of the credit reporting industry and the larger data market. Their analysis and advice are rigorous, insightful but also practical. They are a rare high level think tank for the broad information business market.

In our experience, they approached our research needs thoroughly, analyzed the facts surrounding our problems, and enabled us to achieve our objectives with a solid fact-based assessment of the realities of the world. High quality work is what they produce. As important, they listened to us from the very beginning.