Consumer Finance Institute discussion papers

From Federal Reserve Bank of Philadelphia
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19-06: Modern Income-Share Agreements in Postsecondary Education: Features, Theory, Applications

Dubravka Ritter and Douglas Webber

19-05: How Prevalent Were Racially Restrictive Covenants in 20th Century Philadelphia? A New Spatial Data Set Provides Answers

Larry Santucci

19-04: Developing a Customer-Driven Credit Card: Testing Consumer-Issuer Collaboration in the Barclays Ring Community

Tom Akana

19-03: Meet People Where They Are: Building Formal Credit Using Informal Financial Traditions

Tom Akana

19-02: Moving into the Mainstream: Who Graduates from Secured Credit Card Programs?

Larry Santucci

19-01: Consumer Payment Preferences and the Impact of Technology and Regulation: Insights from the Visa Payment Panel Study

Tom Akana

18-03: Quantifying Cyber Risk in the Financial Services Industry

Larry Santucci

18-02: Combining Forces to Combat Elder Financial Victimization How Consumers Can Avoid the Financial Pitfalls of Cognitive Aging and What They Should Be Asking Their Financial Institutions

Jeanne Rentezelas and Larry Santucci

18-01: Credit Card Landscape Update

Susan Herbst-Murphy

17-01: Can Data Sharing Help Financial Institutions Improve the Financial Health of Older Americans?

Larry Santucci

16-03: The Secured Credit Card Market

Larry Santucci

16-02: Future Potential versus Past Performance: MPOWER Financing’s Innovation in Student Loan Underwriting

Susan Herbst-Murphy

16-01: What Happened to the Revolving Credit Card Balances of 2009?

Larry Santucci

15-06: Millennials with money revisited: updates from the 2014 Consumer Payments Monitor

Susan Herbst-Murphy and Greg Weed

15-05: Exploring the use of anonymized consumer credit information to estimate economic conditions: an application of big data

Stephanie Wilshusen

15-04: Financial management tools and consumer confidence: chase blueprint

Larry Santucci

15-03: Can credit cards with access to complimentary credit score information benefit consumers and lenders?

Vyacheslav Mikhed

15-02: Trends and preferences in consumer payments: updates from the visa payment panel study

Susan Herbst-Murphy

15-01: A tale of two vintages: credit limit management before and after the CARD act and Great Recession

Larry Santucci

14-05: Consumer financial protection regulations: how do they measure up?

Dubravka Ritter

14-04: Consumer use of fraud alerts and credit freezes: an empirical analysis

Julia Cheney, Robert Hunt, Vyacheslav Mikhed, Dubravka Ritter and Michael Vogan

14-03: Millennials with money: a new look at who uses GPR prepaid cards

Susan Herbst-Murphy and Greg Weed

14-02: Fair lending analysis of credit cards

Dubravka Ritter and David Skanderson

14-01: Improving experience in the prepaid card industry: a customer service workshop

Susan Herbst-Murphy

13-05: Student Loan Repayment and College Accountability

Rajeev Darolia

13-04: Residential Migration, Entry, and Exit as Seen Through the Lens of Credit Bureau Data

Robert Hunt and Keith Wardrip

13-03: Funding credit card loans: current and future considerations

James van Opstal

13-02: Clearing and settlement of interbank card transactions: a MasterCard tutorial for Federal Reserve payments analysts

Susan Herbst-Murphy

13-01: Driving positive behavior change through education and motivation: summary of a PayPerks workshop

Susan Herbst-Murphy

12-06: Government use of the payment card system: issuance, acceptance, and regulation

Susan Herbst-Murphy

12-05: Small business use of credit cards in the U.S. market

Susan Herbst-Murphy

12-04: The efficiency and integrity of payment card systems: industry views on the risks posed by data breaches

Julia Cheney, Robert Hunt, Katy Jacob, Richard D. Porter and Bruce J. Summers

12-03: Do we still need the Equal Credit Opportunity Act?

Dubravka Ritter

12-02: Consumers’ use of prepaid cards: a transaction-based analysis

Robert Hunt and Stephanie Wilshusen

12-01: A prepaid case study: Ready Credit’s general-purpose & transit-fare programs

Philip Keitel

11-05: Insolvency risk in the network-branded prepaid-card value chain

Philip Keitel

11-04: Meeting the demand for debt relief

Stephanie Wilshusen

11-03: Conference summary: federal regulation of the prepaid card industry: costs, benefits, and changing industry dynamics

Philip Keitel

11-02: The electronification of transit fare payments: Examining the case for partnership the case for partnerships between payments firms and transit agencies

Philip Keitel

11-01: Getting down to business: Commercial cards in business-to-business payments

Susan Herbst-Murphy

10-03: Consumer testing informs policy: overdraft regulation as a case study

Philip Keitel

10-02: Trends and preferences in consumer payments

Susan Herbst-Murphy

10-01: Heartland Payment Systems: lessons learned from a data breach

Julia Cheney

09-03: The Credit CARD act of 2009 and prepaid cards

Philip Keitel

09-02: The electronification of transit fare payments: a look at the Southeastern Pennsylvania Transportation Authority's New Payment Technologies Project

Philip Keitel

09-01: Maintaining a safe environment for payment cards: Examining evolving threats posed by fraud

Susan Herbst-Murphy

08-09: Legislative responses to data breaches and information security failures

Philip Keitel

08-08: New prospects for payment card application in health care

Ann Kjos

08-07: The laws, regulations, guidelines, and industry practices that protect consumers who use gift cards

Philip Keitel

08-06: An examination of mobile banking and mobile payments: building adoption as experience goods?

Julia Cheney