From the BoardStrategy, leadership and governance for FY 2027Read

[ ] Fact sheet · Perrin Institution, Inc. · Updated 2026-10-05

Our Account

Legislative record
  • RAISE Act law in New York, in force 2027-01-01
  • 1,139 unbanked people served
  • $400K+ in microloans
  • $3M in scholarships
  • 383 publications

Introduction

By Perrin InstitutionOur Account · 01

This is the account of what Perrin Institution, and Perrin & Fidutam before it, has changed outside its own walls: the legislation it has supported, the law that is now in force, the people its systems and programmes reached, the research it put into the public record, and the recognition that work received.

The measure is the one the institution argues from. A rule is judged by what happens to the people it affects. That is the test we use, and it counts everyone the rule reaches, including people who are not born yet. So every figure here is something that happened to someone outside the organisation, counted from the record it comes from: a bill number, a recorded vote, a loan issued, a scholarship secured, a paper published. Where a figure belongs to the Perrin & Fidutam years, which Perrin Institution inherits, the text says so.

Most harms can be paid for or repaired. A few cannot. Those are the ones we work on: frontier AI, engineered pathogens, machines that decide on the use of force, and attacks on systems a country cannot run without. Most of our work is on frontier AI. We publish the research. Where it helps, we also build a working version of the system a rule would apply to, so its cost can be measured instead of guessed. The record below is the evidence of how that has gone so far.

Legislation

By Perrin InstitutionOur Account · 02

Perrin Institution has supported legislation in the Senate, the House and the New York State Legislature, with offices on both sides of the aisle.

Taken together they describe what the institution has argued for: public research infrastructure so that frontier AI is not studied only inside a few firms; warrants for data the government buys rather than compels; human review and appeal where automated systems decide things about people; rules for synthetic media, deepfakes and digital replicas; limits on AI in nuclear launch decisions; and transparency and incident reporting from the developers of the largest models. Each bill follows, with the offices we worked with, the problem it addresses and what it changes.

CREATE AI Act

S.2714 / H.R.5077, 118th; H.R.2385, 119th · Sen. Heinrich (D-NM); Rep. Eshoo (D-CA)

With Sens. Heinrich, Rounds, Young, Booker; Reps. Carter, Eshoo, McCaul

Frontier AI research has concentrated in a handful of firms because the compute, data and engineering needed to do it are out of reach for universities and small companies. This bill puts a shared research infrastructure in public hands. It authorises the National AI Research Resource, giving academic researchers, students and small businesses access to computing capacity, curated datasets and testing environments they cannot otherwise buy, and it puts the arrangement on a statutory footing rather than leaving it to the pilot the National Science Foundation stood up administratively.

  • Authorises the National AI Research Resource as a shared national infrastructure for AI research and education.
  • Directs the National Science Foundation to operate it through an independent entity, overseen by a steering subcommittee.
  • Provides access to computational resources, curated public datasets, testbeds and training material.
  • Opens eligibility to academic researchers, students, and small businesses rather than restricting it to federal use.
  • Requires reporting to Congress on usage, governance and cost.

AI Bill of Rights & SAFE Innovation Framework

Executive and agency frameworks · OSTP; NIST; Sen. Majority Leader Schumer

With Sen. Majority Leader Schumer; OSTP; NIST

Two non-binding frameworks that set the terms much of the later legislation argued over. The Blueprint for an AI Bill of Rights, published by the Office of Science and Technology Policy in October 2022, states five principles for automated systems affecting the public. The SAFE Innovation Framework, announced by the Senate Majority Leader in June 2023, set an agenda for the Senate's AI Insight Forums. Neither creates an obligation on anyone; both are included here because the drafting work was real and because they shaped the bills that followed.

  • AI Bill of Rights: systems should be safe and effective, and tested before deployment.
  • AI Bill of Rights: protection from algorithmic discrimination, with proactive equity assessment.
  • AI Bill of Rights: data privacy by design, with consent and limits on sensitive-data inference.
  • AI Bill of Rights: notice that an automated system is in use, and a plain-language explanation of its role.
  • AI Bill of Rights: a human alternative, and a route to a person who can consider and remedy problems.
  • SAFE Innovation: security, accountability, foundations and explainability as the four organising demands.

ASSESS AI Act

S.1356, 118th · Sen. Bennet (D-CO)

With Sen. Bennet

Federal AI policy was being made agency by agency, with no body holding a view of the whole. This bill creates one. It stands up a cabinet-level task force to audit how the federal government itself uses AI, identify where existing law leaves gaps, and report recommendations back to Congress within a fixed window rather than as an open-ended study.

  • Establishes an AI task force at cabinet level to review federal AI policy.
  • Directs it to identify gaps in existing law covering rights, civil liberties and due process.
  • Requires specific attention to facial recognition and biometric systems.
  • Requires recommendations on data protection standards for federal AI use.
  • Sets a reporting deadline to Congress rather than leaving the review open-ended.

Digital Platform Commission Act

S.1671, 118th · Sen. Bennet (D-CO)

With Sens. Bennet, Welch

Oversight of digital platforms is spread across agencies that regulate them incidentally, through competition or consumer-protection powers written before the platforms existed. This bill creates a dedicated expert regulator instead: a five-member commission with rulemaking, investigatory and enforcement authority over the platforms themselves, on the model of how communications and financial markets are supervised.

  • Establishes a Federal Digital Platform Commission of five Senate-confirmed members.
  • Grants rulemaking, investigatory, and enforcement authority over digital platforms.
  • Creates a code council of technologists and civil-society experts to propose technical standards.
  • Requires algorithmic risk auditing and transparency for platforms above a scale threshold.
  • Preserves existing agency authority rather than displacing the FTC or DOJ.

Fourth Amendment Is Not For Sale Act

H.R.4639, 118th · Rep. Davidson (R-OH)

With Sens. Warren, Wyden, Paul; Rep. Davidson

Agencies had been buying from commercial data brokers the same records they would need a warrant to compel: location histories, subscriber records, and browsing data. The purchase was legal because the Fourth Amendment restrains compulsion, not commerce. This bill closes that gap directly, extending the warrant requirement to acquisition by purchase. It is the furthest any of this work was carried in the House: it passed on the floor 219 to 199, with 123 Republicans joining.

  • Bars federal agencies from purchasing data they would otherwise need a warrant, court order or subpoena to obtain.
  • Covers subscriber records, communications records, and location information.
  • Extends to data obtained from a provider in violation of a contract or terms of service.
  • Closes the intermediary route by covering data acquired through a third party rather than directly.
  • Applies the restriction to law enforcement and intelligence agencies alike.

Digital Consumer Protection Commission Act

S.2597, 118th · Sen. Warren (D-MA)

With Sens. Warren, Graham

A bipartisan proposal to license and supervise large technology platforms through a single new regulator, rather than pursuing them case by case through antitrust litigation that takes a decade. The commission would hold authority across competition, privacy, transparency and national security, with licensing as the lever: a platform above the size threshold operates on conditions the regulator sets.

  • Establishes a Digital Consumer Protection Commission with licensing authority over dominant platforms.
  • Consolidates competition, privacy and transparency oversight in one body.
  • Requires platforms to disclose algorithmic ranking and recommendation practices.
  • Provides for national-security review of foreign ownership and data flows.
  • Backs the regime with civil penalties and licence conditions rather than litigation alone.

Preventing Deepfakes of Intimate Images Act

H.R.3106, 118th; H.R.1941, 119th · Rep. Morelle (D-NY)

With Rep. Morelle

Synthetic intimate imagery of real people became cheap to produce years before there was a federal remedy for it. Victims were left to state law, which varied widely and often did not reach forged material at all, since nothing had been recorded. This bill creates a federal cause of action for disclosure of digitally forged intimate images, and lets plaintiffs proceed under a pseudonym so that suing does not itself republish the harm.

  • Creates a federal civil cause of action for disclosure of non-consensual forged intimate images.
  • Reaches digitally created and altered material, not only recorded images.
  • Provides criminal penalties for disclosure with intent to harass, intimidate or cause distress.
  • Permits plaintiffs to proceed pseudonymously and to seek injunctive relief.
  • Preserves state-law remedies rather than pre-empting them.

Jobs of the Future Act of 2023

H.R.4498, 118th · Rep. Soto (D-FL)

With Reps. Blunt Rochester, Soto

Workforce policy was being argued from anecdote because nobody had measured what AI was actually doing to employment. This bill commissions the measurement: a joint Department of Labor and National Science Foundation study of which occupations, industries and demographic groups are being affected, and what training would answer it, reported to Congress on a fixed schedule.

  • Directs the Department of Labor and the National Science Foundation to report jointly on AI's workforce impact.
  • Requires analysis by occupation, industry, and demographic group.
  • Requires assessment of which skills and training programmes are needed in response.
  • Directs attention to workers displaced rather than only to jobs created.
  • Sets a reporting deadline to the relevant congressional committees.

Artificial Intelligence Literacy Act of 2023

H.R.6791, 118th · Rep. Blunt Rochester (D-DE)

With Rep. Blunt Rochester

Rather than build a new programme, this bill folds AI literacy into the digital-literacy machinery that already exists. By naming AI literacy as a component of digital literacy under the Digital Equity Act, it makes AI education immediately eligible for established federal funding streams rather than waiting on a new authorisation.

  • Defines AI literacy in statute as a component of digital literacy.
  • Makes AI literacy programmes eligible under existing Digital Equity Act funding.
  • Covers both general public understanding and workforce-directed instruction.
  • Reaches libraries, schools, and community organisations already delivering digital-skills work.
  • Avoids standing up a parallel programme with its own authorisation.

AI Training Expansion Act

H.R.4503, 118th · Rep. Mace (R-SC)

With Reps. Kilmer, Mace, Connolly

The federal government buys and deploys AI systems through officials who were never trained to evaluate them. This bill extends the existing federal AI training requirement to the managers and procurement staff who actually make those decisions, covering capabilities, risks, privacy exposure and bias. It was reported out of committee 39 to 2.

  • Requires the Office of Management and Budget to establish an AI training programme for federal management officials.
  • Extends coverage to procurement and acquisition staff who evaluate AI systems.
  • Requires the curriculum to cover capabilities, limitations, and known failure modes.
  • Requires specific instruction on privacy risk and bias in deployed systems.
  • Directs periodic updating of the curriculum as the technology changes.

Political BIAS Emails Act

H.R.5495, 118th · Rep. Lesko (R-AZ)

With Rep. Lesko; prev. Sens. Kennedy, Thune

A narrow bill addressing a narrow complaint: that spam filters were suppressing campaign email from senders the recipient had chosen to hear from. It bars providers from applying filtering to political campaign email where the user has opted in, and requires disclosure of the filtering practices that apply.

  • Bars email providers from spam-filtering political campaign email from opted-in senders.
  • Applies only where the recipient has affirmatively subscribed.
  • Requires providers to disclose their filtering practices for political mail.
  • Preserves the recipient's ability to unsubscribe at any point.
  • Assigns enforcement to the Federal Election Commission.

Algorithmic Justice and Online Platform Transparency Act

S.2325 / H.R.4624, 118th · Sen. Markey (D-MA); Rep. Matsui (D-CA)

With Rep. Matsui; Sen. Markey

Platforms rank, recommend and moderate through systems whose inputs are invisible to the people they affect, which makes discrimination through those systems very hard to prove. This bill attacks the evidentiary problem: it prohibits discriminatory algorithmic processes outright, then requires the disclosure and reporting that would let anyone establish a violation.

  • Prohibits algorithmic processes that discriminate on the basis of protected characteristics.
  • Requires platforms to disclose how personal information is used in ranking and recommendation.
  • Mandates annual public transparency reports on content moderation and amplification.
  • Establishes an interagency task force on discriminatory algorithmic practices.
  • Provides for enforcement by the FTC and state attorneys general.

Digital Equity Foundation Act of 2023

S.599 / H.R.1412, 118th · Sen. Luján (D-NM)

With Sen. Luján

Federal digital-inclusion funding cannot easily accept or direct private money, which leaves broadband adoption and digital-skills work dependent on appropriation cycles. This bill establishes an independent nonprofit foundation that can take private contributions and direct them at adoption barriers in underserved communities, alongside the federal programmes rather than inside them.

  • Establishes a nonprofit Digital Equity Foundation independent of the federal government.
  • Authorises it to accept and direct private funding for digital-inclusion work.
  • Targets adoption barriers rather than infrastructure deployment alone.
  • Directs support to underserved and rural communities.
  • Requires public reporting on grants and outcomes.

CLOUD AI Act

H.R.4683, 118th · Rep. Jeff Jackson (D-NC)

With Reps. Jackson, Lawler, Crockett, McCormick

Export controls on advanced chips restrict who may take possession of the hardware, but not who may rent time on it. An entity barred from buying a controlled chip could reach the same compute through a cloud provider. This bill closes that gap by extending the control from the hardware to remote access to it.

  • Extends export-control restrictions to remote access to controlled computing hardware.
  • Bars provision of covered cloud compute to entities in adversary nations.
  • Requires providers to identify and verify customers reaching controlled capacity.
  • Directs reporting on attempted circumvention.
  • Aligns the cloud regime with the existing hardware control lists.

REAL Political Ads Act & Honest Ads Act

H.R.3044 / S.1596; S.486 / H.R.2599, 118th · Rep. Clarke (D-NY); Sen. Klobuchar (D-MN)

With Rep. Clarke; Sens. Klobuchar, Booker, Bennet, Graham, Warner

Two bills addressing the same asymmetry: political advertising online is governed by far weaker disclosure rules than the same advertising on broadcast. The Honest Ads Act extends broadcast-era disclaimer and recordkeeping duties to online platforms. The REAL Political Ads Act adds a requirement specific to synthetic media, that political advertising containing AI-generated content say so.

  • Honest Ads: extends political-advertising disclaimer requirements to online platforms.
  • Honest Ads: requires platforms to maintain a public file of political ad purchases.
  • Honest Ads: applies to platforms above a monthly user threshold.
  • REAL Political Ads: requires disclosure where a political advertisement contains AI-generated content.
  • REAL Political Ads: assigns enforcement to the Federal Election Commission.

National AI Commission Act

H.R.4223, 118th · Rep. Lieu (D-CA)

With Sen. Peters; Reps. Lieu, Buck, Eshoo; Sen. Schatz

A bipartisan proposal to answer the structural question before legislating the substantive one: whether AI should be regulated by existing agencies under existing authorities, by a new body, or by some division of the two. It creates a twenty-member commission to review the current landscape and return a recommended risk-based framework on a fixed schedule.

  • Establishes a twenty-member bipartisan National AI Commission.
  • Directs a review of the current federal regulatory landscape for AI.
  • Requires recommendations for a risk-based regulatory framework.
  • Requires assessment of whether existing agencies or a new body should hold authority.
  • Sets interim and final reporting deadlines to Congress.

Transparent Automated Governance Act

S.1865, 118th · Sen. Peters (D-MI)

With Sen. Peters

When a federal agency uses an automated system to decide a benefit, a claim or a status, the person on the other side frequently does not know a machine was involved and has no way to contest it. This bill makes the involvement disclosable and the decision appealable: notice that automation was used, and a route to human review.

  • Directs OMB to issue guidance on agency use of automated decision systems.
  • Requires agencies to notify people when an automated system is used in a decision affecting them.
  • Requires a documented process for human review of automated decisions.
  • Requires an appeal route to a person with authority to change the outcome.
  • Requires agencies to inventory the automated systems they use.

AI LEAD Act

S.2293, 118th · Sen. Peters (D-MI)

With Sens. Peters, Cornyn

Federal AI accountability had no named owner inside agencies, so responsibility for a deployed system was distributed until it was nobody's. This bill assigns it: a Chief AI Officer in each agency, a council to coordinate them across government, and governance boards to review deployments rather than leaving them to individual programme offices.

  • Establishes a Chief AI Officer in each covered federal agency.
  • Creates a Chief AI Officers Council to coordinate practice across agencies.
  • Requires agency AI governance boards to review deployments.
  • Assigns responsibility for agency AI risk management to a named official.
  • Requires reporting on agency AI use and governance to Congress.

AI Leadership Training Act

S.1564, 118th · Sen. Peters (D-MI)

With Sens. Peters, Braun

A companion to the accountability structure: the officials made responsible for AI decisions need to be trained for them. This bill directs the Office of Personnel Management to run an AI training programme for federal supervisors and managers, covering benefits, risks and governance duties. It was reported out of committee with a filed report, S.Rept. 118-109.

  • Directs OPM to establish an AI training programme for federal supervisors and managers.
  • Requires coverage of the risks and limitations of AI systems, not only their uses.
  • Requires instruction on the governance duties attaching to deployment decisions.
  • Requires periodic refresh as capabilities change.
  • Requires reporting on participation and coverage.

Autonomous Artificial Intelligence Act

S.1394 / H.R.2894, 118th · Sen. Markey (D-MA); Rep. Lieu (D-CA)

With Sen. Markey; Reps. Lieu, Beyer, Buck

Introduced as the Block Nuclear Launch by Autonomous Artificial Intelligence Act. Existing nuclear policy asserts human control over launch decisions as doctrine; this bill converts that from doctrine into a funding restriction, so that no federal money may be used for a system that selects or engages nuclear targets without meaningful human control.

  • Bars the use of federal funds for any system launching nuclear weapons without meaningful human control.
  • Codifies the human-in-the-loop principle stated in the Nuclear Posture Review.
  • Defines meaningful human control for the purposes of the restriction.
  • Extends to systems that select or engage targets autonomously.
  • Applies the restriction to development as well as deployment.

Data Care Act

S.744, 118th; S.3570, 119th · Sen. Schatz (D-HI)

With Sens. Bennet, Schatz

Rather than enumerate prohibited practices, this bill borrows the structure of professional duty. Online providers holding personal data would owe their users duties of care, loyalty and confidentiality: an obligation to secure data, not to use it against the person it describes, and not to disclose it in ways that betray the relationship. Enforcement runs through the FTC and state attorneys general.

  • Imposes a duty of care to reasonably secure personal data.
  • Imposes a duty of loyalty barring use of data to the user's detriment.
  • Imposes a duty of confidentiality restricting onward disclosure.
  • Extends the duties to third parties receiving the data.
  • Provides for enforcement by the FTC and state attorneys general.

American Data Privacy and Protection Act

H.R.8152, 117th · Rep. Pallone (D-NJ)

With U.S. Congress

The most substantial attempt at comprehensive federal privacy legislation to date, and the furthest one has advanced: reported out of the House Energy and Commerce Committee 53 to 2. It works from data minimisation rather than consent, so a company may collect what is necessary for a requested service and not more, with consent unable to authorise the excess. It also brings civil-rights protection inside privacy law, and requires algorithmic impact assessments for consequential decisions.

  • Establishes data minimisation as the default: collection limited to what is necessary for a requested service.
  • Prohibits use of covered data to discriminate in housing, employment, credit, education or public accommodation.
  • Requires algorithmic impact assessments for systems making consequential decisions.
  • Grants individual rights of access, correction, deletion and portability.
  • Provides a limited private right of action, with pre-emption of most state privacy law.

My Body My Data Act

H.R.3420 / S.1656, 118th · Rep. Jacobs (D-CA); Sen. Hirono (D-HI)

With Rep. Jacobs

Reproductive and sexual health data sits largely outside HIPAA, because HIPAA covers healthcare providers and their business associates rather than the apps, trackers and brokers where much of this data actually accumulates. This bill sets a national minimisation standard for that data specifically: collect and keep only what the service strictly needs, and no more.

  • Limits collection, retention and use of reproductive and sexual health data to what is strictly necessary.
  • Reaches services outside HIPAA's coverage, including apps and data brokers.
  • Requires deletion on request and on expiry of the stated purpose.
  • Requires a published privacy policy stating the data handled and the purpose.
  • Provides for enforcement by the FTC, state attorneys general, and a private right of action.

Algorithmic Accountability Act of 2023

S.2892 / H.R.5628, 118th · Sen. Wyden (D-OR); Rep. Clarke (D-NY)

With Sens. Wyden, Booker; Rep. Clarke

Automated systems increasingly decide access to housing, credit, employment, healthcare and education, and there is no obligation to check whether they work before they are used at that scale. This bill requires impact assessments for those systems, reported to the FTC, and creates a public repository so that the existence of a consequential automated decision system is a matter of record rather than a discovery.

  • Requires impact assessments for automated systems making critical decisions.
  • Covers housing, credit, employment, healthcare, education and access to public services.
  • Requires assessment of both the system's performance and its disparate effects.
  • Requires summary reporting to the Federal Trade Commission.
  • Establishes a public repository of covered automated decision systems.

NO FAKES Act

S.4875, 118th; S.4591, 119th · Sen. Coons (D-DE)

With Sens. Coons, Blackburn, Klobuchar, Tillis

Voice and likeness are protected, if at all, by state right-of-publicity law that varies by jurisdiction and often dies with the person. Synthetic replication does not respect state lines. This bill creates a federal digital replication right in voice and likeness, licensable and enforceable, with a defined post-mortem term and safe harbours for platforms that remove infringing replicas on notice.

  • Creates a federal digital replication right in an individual's voice and likeness.
  • Makes the right licensable, with limits on transfer during the person's lifetime.
  • Sets a post-mortem duration, renewable on continued use.
  • Provides safe harbours for platforms that act on notice of an infringing replica.
  • Includes exclusions for news, commentary, parody, satire and biography.

RAISE Act

S.6953B / A.6453B, New York 2025; ch. amdt. S.8828 · Sen. Gounardes (D-NY 26); Assemblymember Bores (D-NY 73)

With Sen. Gounardes; Assemblymember Bores (New York State)

The second state law in the United States to regulate frontier AI developers directly, after California's Transparency in Frontier Artificial Intelligence Act. It applies to developers who have trained a model above a compute threshold and who earn above a revenue threshold, and requires them to write, publish and follow a safety protocol, and to report critical safety incidents to the Department of Financial Services on a short clock. Signed 19 December 2025; a chapter amendment settling the final text was signed 27 March 2026; obligations take effect 1 January 2027.

  • Applies to frontier models trained using more than 1026 integer or floating-point operations.
  • Covers developers with annual revenue above $500 million, where the model is developed, deployed or operating in New York.
  • Requires large frontier developers to write, implement, publish and comply with a safety protocol.
  • Requires critical safety incidents to be reported within 72 hours, and imminent risks to law enforcement within 24.
  • Provides civil penalties up to $1 million for a first violation and $3 million for subsequent violations, plus $1,000 per day for failure to file.

Law in force

By Perrin InstitutionOur Account · 03

The RAISE Act is the law in the record. It passed both chambers of the New York State Legislature, was signed by Governor Hochul on 19 December 2025, and its final text was settled by a chapter amendment signed on 27 March 2026. Its obligations take effect on 1 January 2027.

The second state law in the United States to regulate frontier AI developers directly, after California's Transparency in Frontier Artificial Intelligence Act. It applies to developers who have trained a model above a compute threshold and who earn above a revenue threshold, and requires them to write, publish and follow a safety protocol, and to report critical safety incidents to the Department of Financial Services on a short clock. Signed 19 December 2025; a chapter amendment settling the final text was signed 27 March 2026; obligations take effect 1 January 2027.

In plain terms: from 2027, a developer that trains a model above 1026 operations and earns more than $500 million a year must publish its safety protocols and report a critical safety incident within 72 hours, on penalty of up to $1 million for a first violation and $3 million for each after it. Those duties apply to the developers of the largest frontier models, the systems the institution considers the centre of the risk it works on.

The terms

  • 1026 flop training threshold for a covered frontier model
  • $500M annual revenue above which a developer is covered
  • 72 hrs deadline to report a critical safety incident
  • $1M / $3M civil penalty, first and subsequent violations
  • 1 Jan 2027 date the obligations take effect

Votes

By Perrin InstitutionOur Account · 04

A recorded vote is the plainest evidence that an argument persuaded people outside the room. The Fourth Amendment Is Not For Sale Act passed the House 219 to 199 on 17 April 2024, with 123 Republicans joining the majority, voting to extend the warrant requirement to records that agencies had been buying from data brokers instead of compelling. It is the furthest any of this work was carried in the House.

The American Data Privacy and Protection Act cleared the Energy and Commerce Committee 53 to 2 on 20 July 2022, the furthest a comprehensive federal privacy bill has advanced. The AI Training Expansion Act, which trains federal managers on what AI can do and what it risks for privacy, was reported 39 to 2 on 12 July 2023. In each case members of both parties voted for the text.

The facts

  • 219–199 Fourth Amendment Is Not For Sale Act, house floor vote, 17 april 2024
  • 123 Fourth Amendment Is Not For Sale Act, republicans joining the majority
  • 53–2 American Data Privacy and Protection Act, energy and commerce committee vote, 20 july 2022
  • 39–2 AI Training Expansion Act, committee vote, 12 july 2023
  • S.Rept. 118-109 AI Leadership Training Act, committee report filed

People reached

By Perrin InstitutionOur Account · 05

Financial exclusion is usually described as a lack of access to banks. More precisely, it is a lack of the thing banks require before access begins: a verifiable identity. A person without a birth certificate, national ID or utility bill in their name cannot open an account, cannot borrow, and cannot build the record that would let them borrow later. The requirement is reasonable on its own terms and excludes roughly a billion people.

The conventional answer is to issue documents, which is slow, expensive, and dependent on state capacity that is often the reason the documents are missing. The project took a different premise: in the communities where this bites hardest, identity is not actually unknown. It is well known locally and simply not written down anywhere a bank will accept.

So the system was designed to capture the knowledge that already exists rather than to manufacture a new document, and to run on the one piece of infrastructure that is close to universal: a mobile number.

Fidutam built that system: a SIM-card digital identity, verified by the community rather than by a document, with zero-interest microloans on top of it. It served 1,139 unbanked individuals and reached 12,615 people, and issued more than $400K in microloans across Nigeria, Uganda, Ghana, Kenya, Cameroon, and Nicaragua, with U.S. pilots in Chicago, the Bronx, and Allentown. For a person with a phone number and no papers, it offered an identity a lender would accept and credit to build a record on.

The same years produced two further programmes. The scholarship centre secured more than $3M in scholarships for low-income students by 2024. Maestro, an education and community platform connecting communities to learning and opportunity, reached 15,000 users.

The figures, Perrin & Fidutam record

  • 1,139 unbanked individuals served
  • 12,615 people reached
  • $400K+ in microloans issued
  • $250K+ in awards won
  • $3M scholarships secured for low-income students
  • 15,000 Maestro users
  • Countries: Nigeria, Uganda, Ghana, Kenya, Cameroon, and Nicaragua, with U.S. pilots in Chicago, the Bronx, and Allentown

Products

By Perrin InstitutionOur Account · 06

Some of our research involves building a working version of the system a policy proposal describes, so that we can test what the proposal would cost and whether it can be met in practice.

Where one of those systems proves useful in its own right, we develop it into a product and keep it running. Two of the products below were deployed under Perrin & Fidutam; Arvo is the first developed under Perrin Institution.

Most denied health-insurance claims are never appealed, although most appeals succeed. The obstacles are practical: the letter is hard to read, the deadline is buried, the regulation that decides the case is one the patient has never heard of, and the appeal has to be written in a form the insurer will accept.

Arvo handles that work. A patient photographs the denial letter; the agent reads it, works out the real appeal deadline, asks the questions only the patient can answer, and drafts an appeal grounded in the regulation that governs the plan, delivered as a filing-ready PDF.

Insurers increasingly deny claims with automated systems, and the person on the other end appeals, if at all, by hand. Arvo is our reference build for the other side of that exchange: what a working right to human review looks like when the patient has an agent too.

The institution has supported legislation requiring human appeal of automated decisions, including the Algorithmic Accountability Act and the Transparent Automated Governance Act. Building Arvo is how we find out what such a right costs to exercise, and what an insurer would have to disclose for it to mean anything.

The facts

  • Arvo: An AI agent that appeals health-insurance denials for the patient. In development · Active build
  • Fidutam Digital ID: SIM-card digital identity and zero-interest microloans for the unbanked. Deployed · $400K+ financed
  • Maestro: An education and community platform connecting communities to learning and opportunity. Deployed · 15,000 users

Research

By Perrin InstitutionOur Account · 07

The research record runs to 383 publications, collected with the rest of the Perrin & Fidutam papers in a 1,549-page compendium that is free to read. It was produced across 10 labs, from AI governance and legal analysis to climate, foreign policy and financial infrastructure, by a network of more than 250 researchers.

The work reached government directly. 6 federal agencies were advised: the Environmental Protection Agency on climate policy research; the Department of Energy on energy infrastructure analysis; the Department of Education on educational technology policy; the Department of State on international relations policy; the Department of Justice on legal framework analysis; NASA on space technology governance. The institution's current briefings carry the same argument into frontier AI. One makes the case that explainability is not a property of a model. It is a relationship between a model and the person who has to live with its decision.

The facts

Grants and portfolio

By Perrin InstitutionOur Account · 08

Perrin Giving funds think tanks and technical projects working on existential risk, including work we are not positioned to do ourselves.

We fund people close to the problem. We do not screen on stage or size: a small team that has already started is as eligible as an established institution.

Every grant is published with the reasoning behind it.

VenturEd Global is the first company in the portfolio. VenturEd connects early work experience with sustained mentorship and youth-led research, then follows the young people it serves to learn how early support shapes their education and careers.

Young people whose potential is overlooked deserve meaningful opportunities, and a place in the evidence that shapes their futures. VenturEd pairs early work experience with sustained mentorship and youth-led research: it helps young people build relationships, contribute to real projects and explore their interests, then follows their paths to learn how early support relates to later education, employment and professional development.

Research is central to the work. What VenturEd learns is meant to improve the opportunities open to the next generation.

The VenturEd Fellowship places young people in remote startup internships of six to eight weeks, in research, engineering, design, marketing and operations. It forms part of a two-year study across four cohorts and hundreds of participants aged 14 to 20, with follow-up that continues after the internship ends, as participants move between education, further work and the start of their careers.

The study looks at household income, school type and access to professional networks alongside different forms of mentorship: from larger groups sharing a role or project to small internships where each participant has several points of contact. It asks how group size, mentor availability, continuity of support and real responsibility relate to where young people go next.

Its questions concern career direction, further employment and education, confidence at work, and access to advice and introductions. Comparing experiences across backgrounds shows whom each approach serves, and how support might reach the people most often overlooked.

The Opportunities Project carries the same aim into community career support. VenturEd reports more than 9,000 connections to first-job opportunities, with partner job listings as the starting point for personal guidance.

Most of that guidance happens in person: talking through a role, preparing an enquiry, finding a next step. VenturEd's model for community career centres would bring it to Baltimore, Philadelphia and Washington, DC, with libraries, community centres and public universities at the heart of local access.

VenturEd, as VenturEd published it

Recognition

By Perrin InstitutionOur Account · 09

Outside recognition is the slowest kind of evidence and the hardest to manufacture. The work has been commended by a United States senator in an official letter, covered by the BBC, and recognised by MIT Solve, Prudential with Ashoka, the Association for Computing Machinery and the Nasdaq Entrepreneurial Center. Fidutam's financial-access work alone won more than $250K in awards.

“your initiative sets a powerful example of how passion and purpose can drive meaningful change”

Senator Chris Van Hollen, Official Letter of Commendation

The facts

  • MIT Solve ↗ 2023 Finalist, Financial Inclusion Challenge, for SIM-card-based microlending to unbanked communities.
  • Prudential Emerging Visionaries ↗ Grand Prize ($15,000), awarded 2023 by Prudential Financial with Ashoka for Fidutam's financial-access work.
  • ACM Cutler-Bell Prize ↗ Awarded to founder Okezue Bell by the Association for Computing Machinery.
  • Nasdaq Entrepreneurial Center ↗ Founders-of-Entrepreneurship feature on Fidutam's banking work for the unbanked.
  • BBC ↗ Kashaf Alvi, former Policy Director at Perrin, on the BBC discussing technology governance.
  • $250K+ in awards won

Network

By Perrin InstitutionOur Account · 10

Perrin & Fidutam counted more than 1,600 members in its community over the years, and Perrin Institution inherits that record. Most of the work was done by members and fellows rather than staff; the institution has only ever employed a small staff, fewer than 25 people. It has worked with institutional partners including UNESCO, UNICEF, IBM, Meta, OpenAI and Google, and fully funded its researchers' places at the Oxford Policy Conference.

The facts

  • 1,600+ members over the years
  • 250+ researchers
  • 8+ institutional partners: UNESCO, UNICEF, IBM, Meta, OpenAI, Google
  • Oxford Policy Conference: A three-day conference at the Blavatnik School of Government, University of Oxford. Perrin & Fidutam fully funded its researchers' places. May 2023 · Oxford, UK

How we count

By Perrin InstitutionOur Account · 11

Every bill number and sponsor was checked against congress.gov and nysenate.gov in August 2026. An endorsement is a vote of confidence in a proposal; it does not mean agreement with every provision or with any office's wider aims.

Figures from before 2026 are the Perrin & Fidutam record, which Perrin Institution inherits. VenturEd's figures are as VenturEd published them. Nothing on this page is a projection. To check any figure, write to contact@perrininstitution.org.