Consumer Finance Institute discussion papers

From Federal Reserve Bank of Philadelphia
Contact information at EDIRC.
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08-02: Proposed changes to Regulation Z: highlighting behaviors that affect credit costs

Ann Kjos

08-01: Alternative data and its use in credit scoring thin-and no-file consumers

Julia Cheney

07-13: Payments, credit, and savings: the experience for LMI households

Julia Cheney

07-12: The merchant-acquiring side of the payment card industry; structure, operations, and challenges

Ann Kjos

07-11: Where is the missing credit card debt? Clues and implications

Jonathan Zinman

07-04: An Update on Trends in the Debit Card Market

Julia Cheney

07-03: General-use prepaid cards: the path to gaining mainstream acceptance

James C. McGrath

07-02: Prepaid cards: vulnerable to money laundering?

Stanley J. Sienkiewicz

07-01: Information security, data breaches, and protecting cardholder information: facing up to the challenges

Ann Kjos and James C. McGrath

06-11: Supply- and demand-side developments influencing growth in the debit market

Julia Cheney

06-09: The role of electronic payments in disaster recovery: providing more than convenience

Julia Cheney

06-08: Another look at credit card pricing and its disclosure: Is the semi-annual pricing data reported by credit card issuers to the Fed helpful to consumers or researchers?

Mark Furletti and Christopher Ody

06-07: Prepaid cards: an important innovation in financial services

Julia Cheney and Sherrie L. W. Rhine

06-05: Perspectives on recent trends in consumer debt

Andrew Kish

06-04: Micropayments: the final frontier for electronic consumer payments

James C. McGrath

06-03: Measuring U.S. credit card borrowing: an analysis of the G.19's estimate of consumer revolving credit

Mark Furletti and Christopher Ody

06-01: How effective were the financial safety nets in the aftermath of Katrina?

Julia Cheney and Sherrie L. W. Rhine

05-20: Risky business: managing electronic payments in the 21st Century

Marilyn Bochicchio and Stanley J. Sienkiewicz

05-19: Banks and the 2005 Bankruptcy Abuse Prevention and Consumer Protection Act

Kenneth J. Benton

05-17: Payment cards and the unbanked: prospects and challenges

Julia Cheney

05-16: The laws, regulations, and industry practices that protect consumers who use electronic payment systems: policy considerations

Mark Furletti

05-11: Federal consumer protection regulation: disclosures and beyond

Mark Furletti

05-10: Identity theft: do definitions still matter?

Julia Cheney

05-08: Will online bill payment spell the demise of paper checks?

James C. McGrath

05-06: The cost effectiveness of stored-value products for unbanked customers

James C. McGrath

05-05: Forum on validation of consumer credit risk models

Peter Burns and Christopher Ody

05-04: The laws, regulations, and industry practices that protect consumers who use electronic payment systems: ACH E-checks & prepaid cards

Mark Furletti and Stephen Smith

05-03: Prepaid card models: a study in diversity

Julia Cheney

05-02: Assessing the impact of electronic benefits transfer on America's communities and the U.S. payment system

Anonymous

05-01: The laws, regulations, and industry practices that protect consumers who use electronic payment systems: credit and debit cards

Mark Furletti and Stephen Smith

04-05: Payment system regulation and how it causes consumer confusion

Mark Furletti

04-04: Prepaid cards: how do they function? how are they regulated?

Mark Furletti

04-03: Identity theft: where do we go from here?

Julia Cheney

04-02: The debate over the National Bank Act and the preemption of state efforts to regulate credit cards

Mark Furletti

04-01: Prepaid card markets and regulation

Mark Furletti

03-18: Identity theft: a pernicious and costly fraud

Julia Cheney

03-17: Consumer bankruptcy: how unsecured lenders fare

Mark Furletti

03-15: Measuring credit card industry chargeoffs: a review of sources and methods

Mark Furletti

03-13: Consumer credit counseling: credit card issuers' perspectives

Mark Furletti

03-12: After the hype: e-commerce payments grow up

Anonymous

03-10: Innovation at the point of sale

Anonymous

03-09: Theory of credit card networks: a survey of the literature

Sujit Chakravorti

03-07: Financial privacy: perspectives from the payment cards industry

Mark Furletti and Stephen Smith

03-06: Voting with your feet: consumers’ problems with credit cards and exit behaviors

Anne Stanley

03-02: Credit card pricing developments and their disclosure

Mark Furletti

03-01: Mandatory arbitration clauses in the credit card industry

Mark Furletti

02-14: An overview of credit card asset-backed securities

Mark Furletti

02-13: Innovation in financial services and payments

Gabriela Guibourg and Robert Hunt

02-12: Credit score accuracy and implications for consumers

Anonymous

02-10: Managing global privacy

Anne Stanley

02-09: The future of e-commerce payments

Marilyn Bochicchio and Stanley J. Sienkiewicz

02-08: Credit risk modeling and decisioning: highlights from the conference

Sarah A. Burke, Mark Furletti and Shannon Kelly

02-07: An overview and history of credit reporting

Mark Furletti

02-05: Fraud management in the credit card industry

Peter Burns and Anne Stanley

02-04: The evolution of EFT networks from ATMs to new on-line debit payment products

Stanley J. Sienkiewicz

02-03: An overview of smart card technology and markets

Mark Furletti

02-01: Retail credit risk modeling and the Basel Capital Accord

Peter Burns

01-06: Innovations in small dollar payments

Peter Burns and Anne Stanley

01-04: A panel discussion on dynamics in the consumer credit counseling service industry

Peter Burns and Anne Stanley

01-03: Managing consumer credit risk

Peter Burns and Anne Stanley

01-02: Credit cards and payment efficiency

Stanley J. Sienkiewicz

99210: Top of the Class Assessing the Credit Performance of Graduates from Secured Credit Card Programs

Peter Psathas

99047: The Rise in Mortgage Fees: Evidence from HMDA Data

Neil Bhutta and Lauren Lambie-Hanson

97223: How Does Buy Now, Pay Later Affect Customers’ Credit?

Tom Akana and Valeria Zeballos Doubinko

93694: Consumer Credit Card Payment Deferrals During the COVID-19 Pandemic

Stephanie Wilshusen

93140: Climate Change and Consumer Finance: A Very Brief Literature Review

Jose J. Canals-Cerda and Raluca Roman

92824: Racial Differences in Mortgage Refinancing, Distress, and Housing Wealth Accumulation during COVID-19

Kristopher Gerardi, Lauren Lambie-Hanson and Paul Willen

91895: The Lingering Fiscal Effects of the COVID-19 Pandemic on Higher Education

Robert Kelchen, Dubravka Ritter and Douglas Webber

89037: Reverse Mortgage Retrospective: How Recent Policy Changes Affected Government-Insured Reverse Mortgage Originations and Performance

Lauren Lambie-Hanson and Stephanie Moulton

89001: Contactless Payment Cards: Trends and Barriers to Consumer Adoption in the U.S

Tom Akana and Wei Ke

89000: Deconstructing Mechanic’s Liens

Lauren Lambie-Hanson, Jeanne Rentezelas and Larry Santucci

88999: Federal Student Loan Servicing Accountability and Incentives in Contracts

Rajeev Darolia and Andrew Sullivan

87708: What Explains the Post–2011 Trends of Longer Maturities and Rising Default Rates on Auto Loans?

Paul S. Calem, Chellappan Ramasamy and Jenna Wang

87614: Meet People Where They Are: Building Formal Credit Using Informal Financial Traditions

Tom Akana