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Keywords:Credit cards 

Journal Article
Credit-card and check-credit plans at commercial banks

Federal Reserve Bulletin , Issue Sep , Pages 646-653

Discussion Paper
An overview of credit card asset-backed securities

Summary: On Friday, October 25, 2002, the Payment Cards Center of the Federal Reserve Bank of Philadelphia held a workshop that focused on credit card asset-backed securities. Mark Adelson, head of structured finance research at Nomura Securities International, led the workshop. A veteran analyst of the ABS market, Adelson has written numerous articles and special reports on securitization. During the workshop, Adelson explained the growth, pricing, and mechanics of credit card asset-backed securities. He also discussed some key issues currently facing ABS markets. This paper supplements ...
Consumer Finance Institute discussion papers , Paper 02-14

Journal Article
Fed proposes new protections for credit card users

The Fed has proposed rules to prohibit unfair practices concerning credit card and overdraft services. Among other safeguards, the rules would protect consumers from unexpected interest rate increases on pre-existing card balances.
Financial Update , Volume 21 , Issue 2

Journal Article
Peering into the process of credit, debit card transactions

Financial Update , Volume 19 , Issue Q 2

Discussion Paper
Managing consumer credit risk

On July 31, 2001, the Payment Cards Center of the Federal Reserve Bank of Philadelphia hosted a workshop that examined current credit risk management practices in the consumer credit industry. The session was led by Jeffrey Bower, senior manager in KPMG Consulting?s financial services practice. Bower discussed "best practices" in the credit risk management field, including credit scoring, loss forecasting, and portfolio management. ; In addition, he provided an overview of developing new methodologies used by today's risk management professionals in underwriting consumer risk. This paper ...
Consumer Finance Institute discussion papers , Paper 01-03

Conference Paper
Remarks on interchange fees : central bank perspectives and options

Proceedings – Payments System Research Conferences , Issue May , Pages 289-307

Conference Paper
Interchange fees in credit and debit card industries : what role for public authorities : conference summary

Proceedings – Payments System Research Conferences , Issue May , Pages xix - xxxix

Discussion Paper
The efficiency and integrity of payment card systems: industry views on the risks posed by data breaches

Consumer confidence in payment card systems has been built up over many decades. Cardholders expect to use their cards to execute payment instructions in a reliable and timely manner. Data breaches that degrade the perceived safety and reliability of payment cards may weaken consumer confidence in those systems and potentially cause cardholders to shift to other, and perhaps less efficient, forms of payment. A sizable shift away from payment cards ?induced by the consequences of one or more data breaches is unlikely. Even so, the probability of such an outcome is uncertain. In other words, ...
Consumer Finance Institute discussion papers , Paper 12-04

Discussion Paper
Credit card pricing developments and their disclosure

Public data, proprietary issuer data, and data collected by the author from a review of over 150 lender-borrower contracts from 15 of the largest issuers in the U.S. suggest that, over the past 10 years, credit card issuers have drastically changed the way that they price their product. This paper outlines the history and dynamics of credit card pricing over the past 10 years and examines how new pricing methods are addressed by current regulatory disclosure requirements.
Consumer Finance Institute discussion papers , Paper 03-02

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