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Author: Barry Leonard
Publisher: DIANE Publishing
Keywords: report, congress, agreements, card, credit, college
Number of Pages: 35
Published: 2011-04
ISBN-10: 1437941958
ISBN-13: 9781437941951

This annual report by the Federal Reserve (FR) lists certain info. concerning agreements between credit card issuers and institutions of higher educ. or certain affiliated org., such as alumni assoc. or foundations. Contents of this report: (1) Submission of College Credit Card Agreements to the FR; (2) Overview of College Credit Card Agreements: Credit Card Issuers; Institutions of Higher Educ., Affiliated Org., and Other Org.; Number of Open College Credit Card Accounts; Payments by Credit Card Issuers; Number of New Accounts; (3) Detailed Info. about Agreements Submitted to the FR; (4) Coll
7615

Author: Scott Schuh
Publisher: DIANE Publishing
Keywords: theory, calibrations, payments, card, loses, credit, gains
Number of Pages: 57
Published: 2010-11
ISBN-10: 1437937012
ISBN-13: 9781437937015

Merchant fees and reward programs generate an implicit monetary transfer to credit card users from non-card (or ¿cash¿) users because merchants generally do not set differential prices for card users to recoup the costs of fees and rewards. On average, each cash-using household pays $151 to card-using households and each card-using household receives $1,482 from cash users every year. The payment instrument transfer also induces a regressive transfer from low-income to high-income households in general. The authors build and calibrate a model of consumer payment choice to compute the effects
4336

Author: Ben S. Bernanke (ed)
Publisher: DIANE Publishing
Keywords: federal, reserve, board, governors, congress, report, credit, card, agreements, college
Number of Pages: 44
Published: 2011
ISBN-10: 1437989160
ISBN-13: 9781437989168

This report makes available certain information submitted to the Federal Reserve Board of Governors concerning agreements between credit card issuers and institutions of higher education or certain affiliated organizations, such as alumni associations or foundations, that provide for the issuance of credit cards to college students. Contents: Introduction; Overview of College Credit Card Agreements; Detailed Information about College Credit Card Agreements; College Credit Card Agreements in Effect in 2010; College Credit Card Agreements Terminated in 2010; Corrected Information Regarding Colle
30751

Author: Alicia Puente Cackley
Publisher: DIANE Publishing
Keywords: fees, options, reducing, pose, challenges, merchants, increased, cards, rising, interchange, credit, costs
Number of Pages: 69
Published: 2010-03
ISBN-10: 143792574X
ISBN-13: 9781437925746

When a consumer uses a credit card to make a purchase, the merchant does not receive the full purchase amount because a certain portion of the sale is deducted to compensate the merchantżs bank, the bank that issued the card, and the card network that processes the transaction. The level and growth of these rates have become increasingly controversial. This report reviews: (1) how the fees merchants pay have changed over time and the factors affecting the competitiveness of the credit card market; (2) how credit card competition has affected consumers; (3) the benefits and costs to merchants
3913

Author: DIANE Publishing Company
Publisher: DIANE Publishing
Keywords: competetiveness, assessment, industry, card, credit
Number of Pages: 64
Published: 1994-07-01
ISBN-10: 0788110195
ISBN-13: 9780788110191

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.
54754

Author: Ramon P. DeGennaro
Publisher: DIANE Publishing
Keywords: black, reprint, economic, review, inside, processors, acquirers, payment, card, merchant
Number of Pages: 16
Published: 2008-06
ISBN-10: 1437900445
ISBN-13: 9781437900446

Each year, hundreds of millions of credit & debt cardholders make billions of transactions worth trillions of dollars. Yet few are aware that such transactions travel through, & are made possible by, a group of intermediaries that accept cards, handle card transactions, manage the dispute-resolution process, & set rules that govern card transactions. This article demystifies the żBlack Boxż of the transactions process for payment cards. Describes a simple transaction with a private-label card. Emphasizes the key roles of merchant acquirers & card processors. Delineates the risk factors assoc
8302

Author: Barbara D. Bovbjerg
Publisher: DIANE Publishing
Keywords: social, security, card, efforts, needed, enhancement, agency, administration, improved, coordination
Number of Pages: 56
Published: 2006-09-01
ISBN-10: 1422307328
ISBN-13: 9781422307328

The Social Security Admin. (SSA) has issued more than 430 million Social Security numbers (SSN) & cards since the program began in 1935, of which an estimated 300 million belong to living number holders. SSNs have a key role in verifying individuals' authorization to work in the U.S., but SSN cards are also vulnerable to theft & counterfeiting. Concerns about unauthorized workers & the use of counterfeit documents led to this report which: (1) reviews SSA's progress to safeguard the SSN & enhance the card as required under the Intelligence Act; (2) identify key issues to be considered before e
28448
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