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Discussion Papers
Discussion papers are written by Center staff for a wide audience, including industry professionals, regulators, consumers, and academics. Discussion papers can be based on PCC-sponsored conferences or workshops or original staff research.
These papers are listed chronologically below. The Center also maintains an updated payments bibliography for academic researchers.
2009
2008
- 08-09: Legislative Responses to Data Breaches and Information Security Failures
- 08-08: New Prospects for Payment Card Application in Health Care
- 08-07: The Laws, Regulations, Guidelines, and Industry Practices That Protect Consumers Who Use Gift Cards
- 08-06: An Examination of Mobile Banking and Mobile Payments: Building Adoption as Experience Goods?
- 08-05: Business Method Patents and U.S. Financial Services
- 08-04: The Economic Logic of a Fresh Start
- 08-03: Recent Developments in Consumer Credit and Payments
- 08-02: Proposed Changes to Regulation Z: Highlighting Behaviors That Affect Credit Cards
- 08-01: Alternative Data and Its Use in Credit Scoring Thin- and No-File Consumers
2007
- 07-18: The Reaction of Consumer Spending and Debt to Tax Rebates: Evidence from Consumer Credit Data
- 07-17: What Do We Know About Chapter 13 Personal Bankruptcy Filings?
- 07-16: The Anatomy of U.S. Personal Bankruptcy under Chapter 13
- 07-15: Optimal Pricing of Payment Services When Cash Is an Alternative
- 07-14: A Dynamic Model of the Payment System
- 07-13: Payments, Credit, and Savings: The Experience for LMI Households
- 07-12: The Merchant-Acquiring Side of the Payment Card Industry: Structure, Operations, and Challenges
- 07-11: Where Is the Missing Credit Card Debt? Clues and Implications
- 07-10: Business Method Patents for U.S. Financial Services
- 07-09: Intellectual Property Rights and Standard Setting in Financial Services: The Case of the Single European Payments Area
- 07-08: A Quantitative Theory of Unsecured Consumer Credit with Risk of Default
- 07-07: An Update on Trends in the Debit Card Market
- 07-06: Collecting Consumer Debt in America
- 07-05: Bankruptcy: Is It Enough to Forgive or Must We Also Forget?
- 07-04: Competitive Effects of Basel II on U.S. Bank Credit Card Lending
- 07-03: General-Use Prepaid Cards: The Path to Gaining Mainstream Acceptance
- 07-02: Prepaid Cards: Vulnerable to Money Laundering?
- 07-01: Information Security, Data Breaches, and Protecting Cardholder Information: Facing Up to the Challenges
2006
- 06-11: Supply- and Demand-Side Developments Influencing Growth in the Debit Market
- 06-10: Residential Mortgage Default
- 06-09: The Role of Electronic Payments in Disaster Recovery: Providing More Than Convenience
- 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?
- 06-07: Prepaid Cards: An Important Innovation in Financial Services, originally published in Consumer Interests Annual (2006)
- 06-06: Changes in the Use of Electronic Means of Payment: 1995-2004
- 06-05: Perspectives on Recent Trends in Consumer Debt
- 06-04: Micropayments: The Final Frontier for Electronic Consumer Payments
- 06-03: Measuring U.S. Credit Card Borrowing: An Analysis of the G.19's Estimate of Consumer Revolving Credit
- 06-02: Recent Developments in Consumer Credit and Payments
- 06-01: How Effective Were the Financial Safety Nets in the Aftermath of Katrina?
2005
- 05-22: Whither Consumer Credit Counseling?
- 05-21: Potential Competitive Effects on U.S. Bank Credit Card Lending from the Proposed Bifurcated Application of Basel II (Superseded by Working Paper 07-09)
- 05-20: Risky Business: Managing Electronic Payments in the 21st Century
- 05-19: Banks and the 2005 Bankruptcy Abuse Prevention and Consumer Protection Act
- 05-18: The Effect of Transaction Pricing on the Adoption of Electronic Payments: A Cross-Country Comparison
- 05-17: Payment Cards and the Unbanked: Prospects and Challenges
- 05-16: The Laws, Regulations, and Industry Practices That Protect Consumers Who Use Electronic Payment Systems: Policy Considerations (third in a three-part series)
- 05-15: A Portfolio View of Consumer Credit
- 05-14: Collateral, Credit History, and the Financial Decelerator
- 05-13: Special Purpose Vehicles and Securitization
- 05-12: A Quantitative Theory of Unsecured Consumer Credit with Risk of Default (Superseded by Working Paper 07-16)
- 05-11: Federal Consumer Protection Regulation: Disclosures and Beyond
- 05-10: Identity Theft: Do Definitions Still Matter?
- 05-09: Switching Costs and Adverse Selection in the Market for Credit Cards: New Evidence
- 05-08: Will Online Bill Payment Spell the Demise of Paper Checks?
- 05-07: A Century of Consumer Credit Reporting in America
- 05-06: The Cost Effectiveness of Stored-Value Products for Unbanked Consumers
- 05-05: Forum on Validation of Consumer Credit Risk Models
- 05-04: The Laws, Regulations, and Industry Practices That Protect Consumers Who Use Electronic Payment Systems: ACH E-Checks & Prepaid Cards (second in a three-part series)
- 05-03: Prepaid Card Models: A Study in Diversity
- 05-02: Assessing the Impact of Electronic Benefits Transfer
- 05-01: The Laws, Regulations, and Industry Practices That Protect Consumers Who Use Electronic Payment Systems: Credit and Debit Cards (first in a three-part series)
2004
- 04-05: Payment System Regulation and How It Causes Consumer Confusion
- 04-04: Prepaid Cards: How Do They Function? How Are They Regulated?
- 04-03: Identity Theft: Where Do We Go From Here?
- 04-02: The Debate Over the National Bank Act and the Preemption of State Efforts to Regulate Credit Cards, (c) Temple Law Review (Summer 2004)
- 04-01: Prepaid Card Markets & Regulation
2003
- 03-18: Identity Theft: A Pernicious and Costly Fraud
- 03-17: Consumer Bankruptcy: How Unsecured Lenders Fare
- 03-16: Changes in the Use of Electronic Means of Payment
- 03-15: Measuring Credit Card Industry Chargeoffs: A Review of Sources and Methods
- 03-14: Cost Savings from Electronic Payments and ATMs in Europe
- 03-13: Consumer Credit Counseling: Credit Card Issuers' Perspectives
- 03-12: After the Hype: e-Commerce Payments Grow Up
- 03-11: Antitrust Issues in Payment Card Networks: Can They Do That? Should We Let Them?
- 03-10: Innovations at the Point of Sale
- 03-09: Theory of Credit Card Networks: A Survey of the Literature
- 03-08: An Introduction to the Economics of Payment Card Networks
- 03-07: Financial Privacy: Perspectives from the Payment Cards Industry
- 03-06: Voting with Your Feet: Consumers' Problems with Credit Cards and Exit Behaviors
- 03-05: Credit Card Securitization and Regulatory Arbitrage
- 03-04: What is the Value of Recourse to Asset Backed Securities? A Clinical Study of Credit Card Banks
- 03-03: An Overview of Consumer Data and Credit Reporting
- 03-02: Credit Card Pricing Developments and Their Disclosure
- 03-01: Mandatory Arbitration Clauses in the Credit Card Industry
2002
- 02-14: An Overview of Credit Card Asset-Backed Securities
- 02-13: Innovations in Financial Services and Payments
- 02-12: Credit Score Accuracy and Implications for Consumers
- 02-11: The Development and Regulation of Consumer Credit Reporting in America
Superseded by Working Paper 05-07 - 02-10: Managing Global Privacy
- 02-09: The Future of E-Commerce Payments
- 02-08: Credit Risk Modeling and Decisioning
- 02-07: An Overview and History of Credit Reporting
- 02-06: What's in the File? The Economics and Law of Consumer Credit Bureaus
- 02-05: Fraud Management in the Credit Card Industry
- 02-04: The Evolution of EFT Networks from ATMs to New On-line Debit Payment Products
- 02-03: An Overview of Smart Card Technology and Markets
- 02-02: Is the Personal Bankruptcy System Bankrupt?
- 02-01: Retail Credit Risk Modeling and the Basel Capital Accord
2001
- 01-07: Privacy Matters: The Right to Privacy and the Financial Services Industry
- 01-06: Innovations in Small Dollar Payments
- 01-05: Summary of Conference on Consumer Transactions and Credit
- 01-04: A Panel Discussion on Dynamics in the Consumer Credit Counseling Service Industry
- 01-03: Managing Consumer Credit Risk
- 01-02: Credit Cards and Payment Efficiency
- 01-01: A Quantative Theory of Unsecured Consumer Credit With Risk of Default
All Papers
- 10-01: Heartland Payment Systems: Lessons Learned from a Data Breach
- 09-02: The Electronification of Transit Fare Payments: A Look at the Southeastern Pennsylvania Transportation Authority's New Payment Technologies Project
- 09-01: Maintaining a Safe Environment for Payment Cards: Examining Evolving Threats Posed by Fraud
- 08-09: Legislative Responses to Data Breaches and Information Security Failures
- 08-08: New Prospects for Payment Card Application in Health Care
- 08-07: The Laws, Regulations, Guidelines, and Industry Practices That Protect Consumers Who Use Gift Cards
- 08-06: An Examination of Mobile Banking and Mobile Payments: Building Adoption as Experience Goods?
- 08-05: Business Method Patents and U.S. Financial Services
- 08-04: The Economic Logic of a Fresh Start
- 08-03: Recent Developments in Consumer Credit and Payments
- 08-02: Proposed Changes to Regulation Z: Highlighting Behaviors That Affect Credit Cards
- 08-01: Alternative Data and Its Use in Credit Scoring Thin- and No-File Consumers
- 07-18: The Reaction of Consumer Spending and Debt to Tax Rebates: Evidence from Consumer Credit Data
- 07-17: What Do We Know About Chapter 13 Personal Bankruptcy Filings?
- 07-16: The Anatomy of U.S. Personal Bankruptcy under Chapter 13
- 07-15: Optimal Pricing of Payment Services When Cash Is an Alternative
- 07-14: A Dynamic Model of the Payment System
- 07-13: Payments, Credit, and Savings: The Experience for LMI Households
- 07-12: The Merchant-Acquiring Side of the Payment Card Industry: Structure, Operations, and Challenges
- 07-11: Where Is the Missing Credit Card Debt? Clues and Implications
- 07-10: Business Method Patents for U.S. Financial Services
- 07-09: Intellectual Property Rights and Standard Setting in Financial Services: The Case of the Single European Payments Area
- 07-08: A Quantitative Theory of Unsecured Consumer Credit with Risk of Default
- 07-07: An Update on Trends in the Debit Card Market
- 07-06: Collecting Consumer Debt in America
- 07-05: Bankruptcy: Is It Enough to Forgive or Must We Also Forget?
- 07-04: Competitive Effects of Basel II on U.S. Bank Credit Card Lending
- 07-03: General-Use Prepaid Cards: The Path to Gaining Mainstream Acceptance
- 07-02: Prepaid Cards: Vulnerable to Money Laundering?
- 07-01: Information Security, Data Breaches, and Protecting Cardholder Information: Facing Up to the Challenges
- 06-11: Supply- and Demand-Side Developments Influencing Growth in the Debit Market
- 06-10: Residential Mortgage Default
- 06-09: The Role of Electronic Payments in Disaster Recovery: Providing More Than Convenience
- 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?
- 06-07: Prepaid Cards: An Important Innovation in Financial Services, originally published in Consumer Interests Annual (2006)
- 06-06: Changes in the Use of Electronic Means of Payment: 1995-2004
- 06-05: Perspectives on Recent Trends in Consumer Debt
- 06-04: Micropayments: The Final Frontier for Electronic Consumer Payments
- 06-03: Measuring U.S. Credit Card Borrowing: An Analysis of the G.19's Estimate of Consumer Revolving Credit
- 06-02: Recent Developments in Consumer Credit and Payments
- 06-01: How Effective Were the Financial Safety Nets in the Aftermath of Katrina?
- 05-22: Whither Consumer Credit Counseling?
- 05-21: Potential Competitive Effects on U.S. Bank Credit Card Lending from the Proposed Bifurcated Application of Basel II (Superseded by Working Paper 07-09)
- 05-20: Risky Business: Managing Electronic Payments in the 21st Century
- 05-19: Banks and the 2005 Bankruptcy Abuse Prevention and Consumer Protection Act
- 05-18: The Effect of Transaction Pricing on the Adoption of Electronic Payments: A Cross-Country Comparison
- 05-17: Payment Cards and the Unbanked: Prospects and Challenges
- 05-16: The Laws, Regulations, and Industry Practices That Protect Consumers Who Use Electronic Payment Systems: Policy Considerations (third in a three-part series)
- 05-15: A Portfolio View of Consumer Credit
- 05-14: Collateral, Credit History, and the Financial Decelerator
- 05-13: Special Purpose Vehicles and Securitization
- 05-12: A Quantitative Theory of Unsecured Consumer Credit with Risk of Default (Superseded by Working Paper 07-16)
- 05-11: Federal Consumer Protection Regulation: Disclosures and Beyond
- 05-10: Identity Theft: Do Definitions Still Matter?
- 05-09: Switching Costs and Adverse Selection in the Market for Credit Cards: New Evidence
- 05-08: Will Online Bill Payment Spell the Demise of Paper Checks?
- 05-07: A Century of Consumer Credit Reporting in America
- 05-06: The Cost Effectiveness of Stored-Value Products for Unbanked Consumers
- 05-05: Forum on Validation of Consumer Credit Risk Models
- 05-04: The Laws, Regulations, and Industry Practices That Protect Consumers Who Use Electronic Payment Systems: ACH E-Checks & Prepaid Cards (second in a three-part series)
- 05-03: Prepaid Card Models: A Study in Diversity
- 05-02: Assessing the Impact of Electronic Benefits Transfer
- 05-01: The Laws, Regulations, and Industry Practices That Protect Consumers Who Use Electronic Payment Systems: Credit and Debit Cards (first in a three-part series)
- 04-05: Payment System Regulation and How It Causes Consumer Confusion
- 04-04: Prepaid Cards: How Do They Function? How Are They Regulated?
- 04-03: Identity Theft: Where Do We Go From Here?
- 04-02: The Debate Over the National Bank Act and the Preemption of State Efforts to Regulate Credit Cards, (c) Temple Law Review (Summer 2004)
- 04-01: Prepaid Card Markets & Regulation
- 03-18: Identity Theft: A Pernicious and Costly Fraud
- 03-17: Consumer Bankruptcy: How Unsecured Lenders Fare
- 03-16: Changes in the Use of Electronic Means of Payment
- 03-15: Measuring Credit Card Industry Chargeoffs: A Review of Sources and Methods
- 03-14: Cost Savings from Electronic Payments and ATMs in Europe
- 03-13: Consumer Credit Counseling: Credit Card Issuers' Perspectives
- 03-12: After the Hype: e-Commerce Payments Grow Up
- 03-11: Antitrust Issues in Payment Card Networks: Can They Do That? Should We Let Them?
- 03-10: Innovations at the Point of Sale
- 03-09: Theory of Credit Card Networks: A Survey of the Literature
- 03-08: An Introduction to the Economics of Payment Card Networks
- 03-07: Financial Privacy: Perspectives from the Payment Cards Industry
- 03-06: Voting with Your Feet: Consumers' Problems with Credit Cards and Exit Behaviors
- 03-05: Credit Card Securitization and Regulatory Arbitrage
- 03-04: What is the Value of Recourse to Asset Backed Securities? A Clinical Study of Credit Card Banks
- 03-03: An Overview of Consumer Data and Credit Reporting
- 03-02: Credit Card Pricing Developments and Their Disclosure
- 03-01: Mandatory Arbitration Clauses in the Credit Card Industry
- 02-14: An Overview of Credit Card Asset-Backed Securities
- 02-13: Innovations in Financial Services and Payments
- 02-12: Credit Score Accuracy and Implications for Consumers
- 02-11: The Development and Regulation of Consumer Credit Reporting in America
Superseded by Working Paper 05-07 - 02-10: Managing Global Privacy
- 02-09: The Future of E-Commerce Payments
- 02-08: Credit Risk Modeling and Decisioning
- 02-07: An Overview and History of Credit Reporting
- 02-06: What's in the File? The Economics and Law of Consumer Credit Bureaus
- 02-05: Fraud Management in the Credit Card Industry
- 02-04: The Evolution of EFT Networks from ATMs to New On-line Debit Payment Products
- 02-03: An Overview of Smart Card Technology and Markets
- 02-02: Is the Personal Bankruptcy System Bankrupt?
- 02-01: Retail Credit Risk Modeling and the Basel Capital Accord
- 01-07: Privacy Matters: The Right to Privacy and the Financial Services Industry
- 01-06: Innovations in Small Dollar Payments
- 01-05: Summary of Conference on Consumer Transactions and Credit
- 01-04: A Panel Discussion on Dynamics in the Consumer Credit Counseling Service Industry
- 01-03: Managing Consumer Credit Risk
- 01-02: Credit Cards and Payment Efficiency
- 01-01: A Quantative Theory of Unsecured Consumer Credit With Risk of Default
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