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Credit Card Accountability Responsibility And Disclosure Act
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Book Synopsis Credit Card Accountability Responsibility and Disclosure Act by : Oliver P. Meyer
Download or read book Credit Card Accountability Responsibility and Disclosure Act written by Oliver P. Meyer and published by Nova Science Publishers. This book was released on 2013-12 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Credit Card Accountability Responsibility and Disclosure Act of 2009 ("CARD Act" or "the Act") changed the landscape of the credit card market. The CARD Act was enacted to "establish fair and transparent practices related to the extension of credit" in this market, regulating both the underwriting and pricing of credit card accounts. The CARD Act directs the Consumer Financial Protection Bureau to conduct a biennial review of the consumer credit card market, including the effect of the Act on the cost and availability of credit and the adequacy of protections for consumers relating to credit card plans. This book presents the findings of the Bureau's review and the impact of the CARD Act on the marketplace.
Book Synopsis Providing for Consideration of the Bill (H.R. 3639) to Amend the Credit Card Accountability, Responsibility and Disclosure Act of 2009 to Establish an Earlier Effective Date for Various Consumer Protections, and for Other Purposes by : United States. Congress. House. Committee on Rules
Download or read book Providing for Consideration of the Bill (H.R. 3639) to Amend the Credit Card Accountability, Responsibility and Disclosure Act of 2009 to Establish an Earlier Effective Date for Various Consumer Protections, and for Other Purposes written by United States. Congress. House. Committee on Rules and published by . This book was released on 2009 with total page 6 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Credit CARD Act of 2009 by : James H. Pannabecker
Download or read book Credit CARD Act of 2009 written by James H. Pannabecker and published by . This book was released on 2009 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Special Report by : James H. Pannabecker
Download or read book Special Report written by James H. Pannabecker and published by . This book was released on 2009 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: Of provisions - Detailed explanation of Truth-in-Lending Act changes -- Truth-in-Lending Act : sections affected by the Credit CARD Act of 2009 .
Book Synopsis Credit Card Accountability Responsibility and Disclosure Act of 2009 by : United States. Federal Trade Commission. Bureau of Economics
Download or read book Credit Card Accountability Responsibility and Disclosure Act of 2009 written by United States. Federal Trade Commission. Bureau of Economics and published by . This book was released on 2010 with total page 38 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Credit CARD Act of 2009 by : United States
Download or read book Credit CARD Act of 2009 written by United States and published by . This book was released on 2009 with total page 33 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Credit Card Accountability Responsibility and Disclosure Act of 2009 by : United States. Federal Trade Commission. Bureau of Economics
Download or read book Credit Card Accountability Responsibility and Disclosure Act of 2009 written by United States. Federal Trade Commission. Bureau of Economics and published by . This book was released on 2010 with total page 38 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :Consumer Financial Protection Bureau (CFPB) Publisher :CreateSpace ISBN 13 :9781511400565 Total Pages :116 pages Book Rating :4.4/5 (5 download)
Book Synopsis College Credit Card Agreements by : Consumer Financial Protection Bureau (CFPB)
Download or read book College Credit Card Agreements written by Consumer Financial Protection Bureau (CFPB) and published by CreateSpace. This book was released on 2015-03-23 with total page 116 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Credit Card Accountability, Responsibility and Disclosure Act ("CARD Act") requires the Consumer Financial Protection Bureau (CFPB) to submit to Congress, and to make available to the public, an annual report that lists information submitted to the Bureau concerning agreements between credit card issuers and institutions of higher education or certain organizations affiliated with such institutions. This report refers to these agreements as "college credit card agreements" or simply "agreements." Affiliated organizations include fraternities, sororities, alumni associations, or foundations affiliated with or related to an institution of higher education. Title III of the CARD Act contains a number of provisions designed to provide protections to college students and younger consumers. For example, the Act restricts the marketing of credit cards to college students on or near college campuses or at school-sponsored events by prohibiting the use of gifts or any tangible items to induce students to apply for credit cards. Section 305 of the CARD Act was intended to bring greater transparency to the college and university credit card market. Implementing regulations require that credit card issuers submit to the Bureau each year the terms and conditions of any college credit card agreement that was in effect at any time during the preceding calendar year between an issuer and an institution of higher education. This report is based on the information and agreements submitted to the Bureau by credit card issuers. The information is current as of the end of 2013.
Book Synopsis Providing for Consideration of the Bill (H.R. 3639) to Amend the Credit Card Accountability Responsibility and Disclosure Act of 2009 ..., November 3, 2009, 111-1 House Report 111-326 by : United States. Congress. House
Download or read book Providing for Consideration of the Bill (H.R. 3639) to Amend the Credit Card Accountability Responsibility and Disclosure Act of 2009 ..., November 3, 2009, 111-1 House Report 111-326 written by United States. Congress. House and published by . This book was released on 2009* with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis From the Schoolhouse to the Poorhouse by : Eboni S. Nelson
Download or read book From the Schoolhouse to the Poorhouse written by Eboni S. Nelson and published by . This book was released on 2014 with total page 45 pages. Available in PDF, EPUB and Kindle. Book excerpt: Whether through personal experiences or through the experiences of our friends and family, most, if not all, of us are all too familiar with the credit card industry's aggressive attempts to burden young college students with debt that they cannot afford to repay. Many students apply for and use credit cards without fully considering the negative effects credit card debt can have on their academic, personal, and financial wellbeing. In May 2009, Congress attempted to address the problem of young consumer indebtedness by passing the Credit Card Accountability Responsibility and Disclosure Act of 2009. While this Article recognizes and applauds Congress's attempt to protect college-aged consumers, it questions whether the current legislation, which narrowly focuses on restricting young consumers' access to credit cards, is the most effective way to provide this protection.In light of the increased levels of young consumer credit card indebtedness and the long-term negative consequences that befall many college-aged consumers as a result of this debt, this Article asserts that the current legislation misses an important opportunity to provide greater and more effective protection for this cohort of consumers. By narrowly focusing on the availability of credit cards to college-aged consumers, the Credit CARD Act fails to include provisions that provide protection for young consumers once they obtain and begin to use credit cards. Therefore, this Article argues that more comprehensive measures are needed to help protect the financial futures of college-aged consumers.
Book Synopsis Providing for Consideration of the Bill (H.R. 3639) To Amend the Credit Card Accountability Responsibility and Disclosure Act of 2009 To Establish an Earlier Effective Date for Various Consumer Protections by : United States. Congress. House. Committee on Rules
Download or read book Providing for Consideration of the Bill (H.R. 3639) To Amend the Credit Card Accountability Responsibility and Disclosure Act of 2009 To Establish an Earlier Effective Date for Various Consumer Protections written by United States. Congress. House. Committee on Rules and published by . This book was released on 2009 with total page 5 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Providing for Consideration of the Bill (H.R. 3639) to Amend the Credit Card Accountability, Responsibility and Disclosure Act of 2009 to Establish an Earlier Effective Date for Various Consumer Protections, and for Other Purposes by : United States. Congress. House. Committee on Rules
Download or read book Providing for Consideration of the Bill (H.R. 3639) to Amend the Credit Card Accountability, Responsibility and Disclosure Act of 2009 to Establish an Earlier Effective Date for Various Consumer Protections, and for Other Purposes written by United States. Congress. House. Committee on Rules and published by . This book was released on 2009 with total page 5 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis An Act to Amend the Effective Date of the Gift Card Provisions of the Credit Card Accountability Responsibility and Disclosure Act of 2009 by : United States
Download or read book An Act to Amend the Effective Date of the Gift Card Provisions of the Credit Card Accountability Responsibility and Disclosure Act of 2009 written by United States and published by . This book was released on 2010 with total page 2 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Financial Literacy, Risk Preference and Credit Card Use by : Leigh Anne O'Mealia
Download or read book Financial Literacy, Risk Preference and Credit Card Use written by Leigh Anne O'Mealia and published by . This book was released on 2014 with total page 118 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Regulating Consumer Financial Products by : Sumit Agarwal
Download or read book Regulating Consumer Financial Products written by Sumit Agarwal and published by . This book was released on 2018 with total page 70 pages. Available in PDF, EPUB and Kindle. Book excerpt: We analyze the effectiveness of consumer financial regulation by considering the 2009 Credit Card Accountability Responsibility and Disclosure (CARD) Act in the United States. Using a difference-in- differences research design and a unique panel data set covering over 160 million credit card accounts, we find that regulatory limits on credit card fees reduced overall borrowing costs to consumers by an annualized 1.7% of average daily balances, with a decline of more than 5.5% for consumers with FICO scores below 660. Consistent with a model of low fee salience and limited market competition, we find no evidence of an offsetting increase in interest charges or a reduction in volume of credit, although we are unable to analyze longer-run effects on investments or industry structure. Taken together, we estimate that the CARD Act fee reductions have saved U.S. consumers $12.6 billion per year. We also analyze the CARD Act requirement to disclose the interest savings from paying off balances in 36 months rather than only making minimum payments. We find that this "nudge" increased the number of account holders making the 36-month payment value by 0.5 percentage points on a base of 5.7%.
Book Synopsis Regulating Consumer Financial Products by : Sumit Agarwal
Download or read book Regulating Consumer Financial Products written by Sumit Agarwal and published by . This book was released on 2013 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: We analyze the effectiveness of consumer financial regulation by considering the 2009 Credit Card Accountability Responsibility and Disclosure (CARD) Act in the United States. Using a unique panel data set covering over 150 million credit card accounts, we find that regulatory limits on credit card fees reduced overall borrowing costs to consumers by an annualized 2.8% of average daily balances, with a decline of more than 10% for consumers with the lowest FICO scores. Consistent with a model of low fee salience and limited market competition, we find no evidence of an offsetting increase in interest charges or a reduction in access to credit. Taken together, we estimate that the CARD Act fee reductions have saved U.S. consumers $20.8 billion per year. We also analyze the CARD Act requirement to disclose the interest savings from paying off balances in 36 months rather than only making minimum payments. We find that this "nudge" increased the number of account holders making the 36-month payment value by 0.5 percentage points, with a similarly sized decrease in the number of account holders paying less than this amount.
Book Synopsis Expedited Card Reform for Consumers Act of 2009 by : United States. Congress. House. Committee on Financial Services
Download or read book Expedited Card Reform for Consumers Act of 2009 written by United States. Congress. House. Committee on Financial Services and published by . This book was released on 2009 with total page 12 pages. Available in PDF, EPUB and Kindle. Book excerpt:
