Did the Credit CARD Act Lead to Higher Interest Rates or Just More Honest Rates?

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Results of research on the impact of the CARD Act on the credit card market. Based on the report "Credit Card Clarity", presented at the American Council on Consumer Interests annual conference in 2011.

Economia e finanças Negócios

Did the Credit CARD Act Lead to Higher Interest Rates or Just More Honest Rates? Josh Frank Senior Researcher Center for Responsible Lending 510-379-5518 [email_address] www.responsiblelending.org

Card Act passed in May 2009 ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

There have been claims of rising rates due to CARD Act in the media ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

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No Evidence of Rate Increase from New Rules

Full Regression Results Difference Model

Mail Volume Shows NO Evidence New Rules Cut Access Mail increase was to all credit risk segments.

Full Regression Results Mail Volume-Difference Model

NO Evidence of Rate Increase: Business Card Comparison ,[object Object]

Full Regression Results Business vs. Consumer Cards

Full Regression Results Business vs. Consumer Cards-First Differences

Key Findings ,[object Object],[object Object],[object Object],[object Object]

Long term impact ,[object Object],[object Object],[object Object],[object Object],[object Object]

Did the Credit CARD Act Lead to Higher Interest Rates or Just More Honest Rates? Questions? Josh Frank Senior Researcher Center for Responsible Lending 510-379-5518 [email_address] www.responsiblelending.org

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