The Payment Cards Center’s commitment to industry analysis and research is fulfilled through its support of consumer payments- and payment cards-related papers written by Center staff, visiting scholars, researchers affiliated with the Center, and economists in the Bank’s Research Department. These papers can take several forms: Discussion Papers, Conference Summaries, Working Papers, Business Review articles. Discussion papers and conference summaries are written by Center staff for a wide audience, including industry professionals, regulators, consumers, and academics and can be based on PCC-sponsored conferences or workshops or on original staff research. Working Papers are intended for the professional researcher and are written by Center visiting scholars, economists in the Bank’s Research Department, and other economists affiliated with the Center. The Business Review includes less technical articles written by economists in the Bank’s Research Department.