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Competition Prices And Consumer Interest Rate Sensitivity In The Credit Card Market
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Book Synopsis Competition, Prices, and Consumer Interest Rate Sensitivity in the Credit Card Market by : Victor Orreste Stango
Download or read book Competition, Prices, and Consumer Interest Rate Sensitivity in the Credit Card Market written by Victor Orreste Stango and published by . This book was released on 1996 with total page 248 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit Publisher : ISBN 13 : Total Pages :184 pages Book Rating :4.F/5 ( download)
Book Synopsis Credit Card Practices by : United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit
Download or read book Credit Card Practices written by United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit and published by . This book was released on 2007 with total page 184 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis U. S. Credit Card Industry by : DIANE Publishing Company
Download or read book U. S. Credit Card Industry written by DIANE Publishing Company and published by DIANE Publishing. This book was released on 1994-07 with total page 65 pages. Available in PDF, EPUB and Kindle. Book excerpt: An assessment of the competitiveness of the U.S. credit card industry. Discusses the structural characteristics of the industry, explanations for the stability of credit card interest rates, and the advantages and disadvantages of various policy options such as an interest rate cap. Charts and tables.
Book Synopsis U.S. Credit Card Industry by : United States. General Accounting Office
Download or read book U.S. Credit Card Industry written by United States. General Accounting Office and published by . This book was released on 1994 with total page 76 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs Publisher : ISBN 13 : Total Pages :228 pages Book Rating :4.:/5 (327 download)
Book Synopsis Examining the Billing, Marketing, and Disclosure Practices of the Credit Card Industry, and Their Impact on Consumers by : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs
Download or read book Examining the Billing, Marketing, and Disclosure Practices of the Credit Card Industry, and Their Impact on Consumers written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs and published by . This book was released on 2009 with total page 228 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit Publisher : ISBN 13 : Total Pages :320 pages Book Rating :4.F/5 ( download)
Book Synopsis Improving Credit Card Consumer Protection by : United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit
Download or read book Improving Credit Card Consumer Protection written by United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit and published by . This book was released on 2007 with total page 320 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. Subcommittee on Consumer Affairs Publisher : ISBN 13 : Total Pages :208 pages Book Rating :4.0/5 (1 download)
Book Synopsis Consumer Credit Interest Rates by : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. Subcommittee on Consumer Affairs
Download or read book Consumer Credit Interest Rates written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. Subcommittee on Consumer Affairs and published by . This book was released on 1983 with total page 208 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Consumer Affairs and Coinage Publisher : ISBN 13 : Total Pages :184 pages Book Rating :4.3/5 (121 download)
Book Synopsis Credit Card Interest Rate Ceiling and Disclosure by : United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Consumer Affairs and Coinage
Download or read book Credit Card Interest Rate Ceiling and Disclosure written by United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Consumer Affairs and Coinage and published by . This book was released on 1987 with total page 184 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs Publisher : ISBN 13 : Total Pages :240 pages Book Rating :4.:/5 (327 download)
Book Synopsis Modernizing Consumer Protection in the Financial Regulatory System by : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs
Download or read book Modernizing Consumer Protection in the Financial Regulatory System written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs and published by . This book was released on 2009 with total page 240 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Some Simple Models of the Credit Card Market by : Shyi-Duan Lin
Download or read book Some Simple Models of the Credit Card Market written by Shyi-Duan Lin and published by . This book was released on 1995 with total page 230 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Consumer Credit and the American Economy by : Thomas A. Durkin
Download or read book Consumer Credit and the American Economy written by Thomas A. Durkin and published by Oxford University Press. This book was released on 2014-07-16 with total page 737 pages. Available in PDF, EPUB and Kindle. Book excerpt: Consumer Credit and the American Economy examines the economics, behavioral science, sociology, history, institutions, law, and regulation of consumer credit in the United States. After discussing the origins and various kinds of consumer credit available in today's marketplace, this book reviews at some length the long run growth of consumer credit to explore the widely held belief that somehow consumer credit has risen "too fast for too long." It then turns to demand and supply with chapters discussing neoclassical theories of demand, new behavioral economics, and evidence on production costs and why consumer credit might seem expensive compared to some other kinds of credit like government finance. This discussion includes review of the economics of risk management and funding sources, as well discussion of the economic theory of why some people might be limited in their credit search, the phenomenon of credit rationing. This examination includes review of issues of risk management through mathematical methods of borrower screening known as credit scoring and financial market sources of funding for offerings of consumer credit. The book then discusses technological change in credit granting. It examines how modern automated information systems called credit reporting agencies, or more popularly "credit bureaus," reduce the costs of information acquisition and permit greater credit availability at less cost. This discussion is followed by examination of the logical offspring of technology, the ubiquitous credit card that permits consumers access to both payments and credit services worldwide virtually instantly. After a chapter on institutions that have arisen to supply credit to individuals for whom mainstream credit is often unavailable, including "payday loans" and other small dollar sources of loans, discussion turns to legal structure and the regulation of consumer credit. There are separate chapters on the theories behind the two main thrusts of federal regulation to this point, fairness for all and financial disclosure. Following these chapters, there is another on state regulation that has long focused on marketplace access and pricing. Before a final concluding chapter, another chapter focuses on two noncredit marketplace products that are closely related to credit. The first of them, debt protection including credit insurance and other forms of credit protection, is economically a complement. The second product, consumer leasing, is a substitute for credit use in many situations, especially involving acquisition of automobiles. This chapter is followed by a full review of consumer bankruptcy, what happens in the worst of cases when consumers find themselves unable to repay their loans. Because of the importance of consumer credit in consumers' financial affairs, the intended audience includes anyone interested in these issues, not only specialists who spend much of their time focused on them. For this reason, the authors have carefully avoided academic jargon and the mathematics that is the modern language of economics. It also examines the psychological, sociological, historical, and especially legal traditions that go into fully understanding what has led to the demand for consumer credit and to what the markets and institutions that provide these products have become today.
Book Synopsis Adverse Selection, Search Costs and Sticky Credit Card Rates by : O. Felix Ayadi
Download or read book Adverse Selection, Search Costs and Sticky Credit Card Rates written by O. Felix Ayadi and published by . This book was released on 1998 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: Several scholars of financial economics observed that during the 1980s, market interest rates declined continuously with little or no impact on credit card rates. Recently, Meyercord (1994), Sinkey and Nash (1993) and Sullivan and Worden (1995) recorded significant changes in the credit card market indicating an increased level of competition. This study represents an attempt to determine the sensitivity of credit card rates to the costs of funds in the U.S. economy. The evidence from the Johansen Cointegration test confirms that credit card rates and cost of funds possess a long-run equilibrium relationship with one another. Furthermore, the results of the error correction models are indicative of a sluggish rate at which credit card interest rates adjust to the costs of funds. Between 1982 and 1994, credit card rates adjust to changes in the cost of funds at about 15 percent per quarter. These results represent anecdotal evidence for the validity of adverse selection, search and switch costs explanations that have been discussed in the financial contracting literature.
Book Synopsis The Case for Deregulating Interest Rates on Consumer Credit by : Michael E. Staten
Download or read book The Case for Deregulating Interest Rates on Consumer Credit written by Michael E. Staten and published by . This book was released on 1995 with total page 76 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Effects of Consumer Loan Rate Ceilings on Competition Between Banks and Finance Companies by : A. Charlene Sullivan
Download or read book Effects of Consumer Loan Rate Ceilings on Competition Between Banks and Finance Companies written by A. Charlene Sullivan and published by . This book was released on 1981 with total page 62 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis National Average Report, Commercial Banks by :
Download or read book National Average Report, Commercial Banks written by and published by . This book was released on 1989 with total page 100 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Consumer, Competition and Choice by : Robert E. Litan
Download or read book Consumer, Competition and Choice written by Robert E. Litan and published by . This book was released on 1992 with total page 48 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Subprime Consumer Credit Demand by : Sule Alan
Download or read book Subprime Consumer Credit Demand written by Sule Alan and published by . This book was released on 2012 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Using a unique panel data set from a UK credit card company, we analyze the interest rate sensitivity of subprime credit card borrowers. In addition to all individual transactions and loan terms, we also have access to details of a randomized interest rate experiment conducted by the lender on the existing (inframarginal) loans. Access to such information by academic researchers is rare. The data and the experimental design provide us with a clean identification of heterogenous interest rate sensitivities across borrower types within the subprime population. We find that subprime credit card borrowers generally do not reduce their demand for credit when subject to increases in interest rates. However, we estimate a number of interesting responses that suggest that subprime borrowers are not a homogenous group. The paper also contributes to the literature by demonstrating the importance of isolating exogenous variation in interest rates. We show that estimating a standard credit demand equation with the non-experimental variation in the data leads to severely biased estimates. This is true even when conditioning on a rich set of controls and individual fixed effects.