Call For Papers
Research Symposium on Credit Scoring and Credit Reporting

June 6-7, 2012, Boston

Suffolk Law School and the National Consumer Law Center are convening a Research Symposium on Credit Scoring and Credit Reporting in Boston on June 6-7, 2012. The goal of the Symposium, which is invitation-only, is to bring together the nation's top experts, including academics, private attorneys, industry representatives, consumer advocates, and government officials, to discuss research and policy related to credit scoring and credit reporting, including their impact on communities of color and other protected groups.

TOPICS: We invite paper proposals that are empirical, qualitative, theoretical or policy-oriented. Topics of particular interest are:

Fairness and Predictive Value
- Evaluation of the fairness and predictive value of traditional credit scoring
- The impact of credit scores on access to credit, employment, housing, and insurance
- The effect of credit scores on protected groups
- Credit scores as a commodity/collateral
- Credit scores as indicators of character

Current Data Overview
- Assessment of available data on credit scoring and reporting
- Credit scoring products on market, including legacy products that do not include recent changes in "inputs"

Alternatives to the Current System
- Alternatives to traditional credit scoring, particularly for low-income and other underserved groups
- Methods of assessing credit worthiness in other countries
- Methods for building credit profiles

Impact of Social Issues on Credit Scores
- Effect of foreclosures on credit scores, particularly for protected groups
- Impact of health insurance issues on credit scores, including presence of medical debt on credit reports and use of credit scores by health care providers in evaluating payment options
- Effect of public records on consumers' credit scores, including judgments obtained by debt collection mills

Reliability of Credit Reports and Scores
- Studies of error rates in credit scoring and credit reporting
- Methods for reducing errors in scoring and reporting
- Effectiveness of dispute systems

Regulation
- Regulations governing credit scoring, including goals, scope, effectiveness and regulatory gaps
- Impact of the Dodd-Frank Act and the CFPB on credit scoring and reporting
- Implications of CFPB supervision of credit reporting agencies as "larger participants" in consumer financial products
- State and federal legislative proposals and enacted laws governing credit scoring and reporting
- Impact of FCRA preemption of state laws

Other Types of Data
- The collecting and sale of data that do not appear in traditional credit scores, such as check verification databases, background check agencies, and information brokers

Presenters will have their reasonable travel expenses covered.

PAPER SUBMISSION PROCEDURE: Paper proposals are due by November 15, 2011. Authors will be notified whether their paper proposals are selected by January 15, 2012. Please send proposals electronically to Kathleen Engel: kengel@suffolk.edu. Papers do not have to be completed by the proposal submission date. Abstracts alone are sufficient although we welcome draft or completed papers. Some authors will be invited to publish their papers in Suffolk Law Review, which will be publishing a special issue on credit scoring and credit reporting.



Posted 9/29/11