Tuesday, May 22, 2012
[ – ] Text Size [ + ] | Print Page
Home > Consumer Credit & Payments > Payment Cards Center > Payment Cards Center Publications > Working Papers
Working Papers
Intended for the professional researcher, working papers are written by center visiting scholars, economists in the Bank's Research Department, and other economists affiliated with the center. Working papers are often theoretical or technical in nature.
These papers are listed chronologically below. The center also maintains an updated payments bibliography for academic researchers.
2011
- WP11-06: Limited and Varying Consumer Attention: Evidence from Shocks to the Salience of Bank Overdraft Fees
- WP11-05: Bankruptcy: Is It Enough to Forgive or Must We Also Forget?
- WP11-04: Credit Cycle and Adverse Selection Effects in Consumer Credit Markets: Evidence from the HELOC Market
- WP11-03: Subprime Mortgages and the Housing Bubble
- WP11-02: Is Technology-Enhanced Credit Counseling as Effective as In-Person Delivery?
- WP11-01: Strategic Default on the First and Second Lien Mortgages During the Financial Crisis
2010
- WP10-09: A Dynamic Model of Unsecured Credit
- WP10-08: Payday Lending: New Research and the Big Question
- WP10-07: Insuring Student Loans Against the Risk of College Failure
- WP10-06: Comment on Cavalcanti and Nosal’s “Counterfeiting as Private Money in Mechanism Design”
- WP10-05: Can Banks Circumvent Minimum Capital Requirements? The Case of Mortgage Portfolios under Basel II
- WP10-04: Did Bankruptcy Reform Cause Mortgage Default Rates to Rise?
- WP10-03: Securitizations: Which Subprime Mortgage Loans Were Sold by Depository Institutions Prior to the Crisis of 2007?
- WP10-02: Payday Lending: New Research and the Big Question
- WP10-01: What 'Triggers' Mortgage Default?
2007
- WP07-18: The Reaction of Consumer Spending and Debt to Tax Rebates: Evidence from Consumer Credit Data
- WP07-16: The Anatomy of U.S. Personal Bankruptcy under Chapter 13
- WP07-15: Optimal Pricing of Payment Services When Cash Is an Alternative
- WP07-14: A Dynamic Model of the Payment System
- WP07-10: Business Method Patents for U.S. Financial Services
- WP07-09: Intellectual Property Rights and Standard Setting in Financial Services: The Case of the Single European Payments Area
- WP07-08: A Quantitative Theory of Unsecured Consumer Credit with Risk of Default
- WP07-05: Bankruptcy: Is It Enough to Forgive or Must We Also Forget?
- WP07-04: Competitive Effects of Basel II on U.S. Bank Credit Card Lending
2005
- WP05-21: Potential Competitive Effects on U.S. Bank Credit Card Lending from the Proposed Bifurcated Application of Basel II (Superseded by Working Paper 07-04)
- WP05-18: The Effect of Transaction Pricing on the Adoption of Electronic Payments: A Cross-Country Comparison
- WP05-15: A Portfolio View of Consumer Credit
- WP05-14: Collateral, Credit History, and the Financial Decelerator
- WP05-13: Special Purpose Vehicles and Securitization
- WP05-12: A Quantitative Theory of Unsecured Consumer Credit with Risk of Default (Superseded by Working Paper 07-08)
- WP05-09: Switching Costs and Adverse Selection in the Market for Credit Cards: New Evidence
- WP05-07: A Century of Consumer Credit Reporting in America
2003
- WP03-14: Cost Savings from Electronic Payments and ATMs in Europe
- WP03-09: Theory of Credit Card Networks: A Survey of the Literature
- WP03-08: An Introduction to the Economics of Payment Card Networks
- WP03-05: Credit Card Securitization and Regulatory Arbitrage
- WP03-04: What is the Value of Recourse to Asset Backed Securities? A Clinical Study of Credit Card Banks
- WP03-03: An Overview of Consumer Data and Credit Reporting
2002
- WP02-11: The Development and Regulation of Consumer Credit Reporting in America
Superseded by Working Paper 05-07
All Papers
- WP11-06: Limited and Varying Consumer Attention: Evidence from Shocks to the Salience of Bank Overdraft Fees
- WP11-05: Bankruptcy: Is It Enough to Forgive or Must We Also Forget?
- WP11-04: Credit Cycle and Adverse Selection Effects in Consumer Credit Markets: Evidence from the HELOC Market
- WP11-03: Subprime Mortgages and the Housing Bubble
- WP11-02: Is Technology-Enhanced Credit Counseling as Effective as In-Person Delivery?
- WP11-01: Strategic Default on the First and Second Lien Mortgages During the Financial Crisis
- WP10-09: A Dynamic Model of Unsecured Credit
- WP10-08: Payday Lending: New Research and the Big Question
- WP10-07: Insuring Student Loans Against the Risk of College Failure
- WP10-06: Comment on Cavalcanti and Nosal’s “Counterfeiting as Private Money in Mechanism Design”
- WP10-05: Can Banks Circumvent Minimum Capital Requirements? The Case of Mortgage Portfolios under Basel II
- WP10-04: Did Bankruptcy Reform Cause Mortgage Default Rates to Rise?
- WP10-03: Securitizations: Which Subprime Mortgage Loans Were Sold by Depository Institutions Prior to the Crisis of 2007?
- WP10-02: Payday Lending: New Research and the Big Question
- WP10-01: What 'Triggers' Mortgage Default?
- WP09-21: Securitization and Mortgage Default: Reputation vs. Adverse Selection
- WP08-32: Restricting Consumer Credit Access: Household Survey Evidence on Effects Around the Oregon Rate Cap
- WP08-18: In Harm's Way? Payday Loan Access and Military Personnel Performance
- WP08-05: Business Method Patents and U.S. Financial Services
- WP07-18: The Reaction of Consumer Spending and Debt to Tax Rebates: Evidence from Consumer Credit Data
- WP07-16: The Anatomy of U.S. Personal Bankruptcy under Chapter 13
- WP07-15: Optimal Pricing of Payment Services When Cash Is an Alternative
- WP07-14: A Dynamic Model of the Payment System
- WP07-10: Business Method Patents for U.S. Financial Services
- WP07-09: Intellectual Property Rights and Standard Setting in Financial Services: The Case of the Single European Payments Area
- WP07-08: A Quantitative Theory of Unsecured Consumer Credit with Risk of Default
- WP07-05: Bankruptcy: Is It Enough to Forgive or Must We Also Forget?
- WP07-04: Competitive Effects of Basel II on U.S. Bank Credit Card Lending
- WP05-21: Potential Competitive Effects on U.S. Bank Credit Card Lending from the Proposed Bifurcated Application of Basel II (Superseded by Working Paper 07-04)
- WP05-18: The Effect of Transaction Pricing on the Adoption of Electronic Payments: A Cross-Country Comparison
- WP05-15: A Portfolio View of Consumer Credit
- WP05-14: Collateral, Credit History, and the Financial Decelerator
- WP05-13: Special Purpose Vehicles and Securitization
- WP05-12: A Quantitative Theory of Unsecured Consumer Credit with Risk of Default (Superseded by Working Paper 07-08)
- WP05-09: Switching Costs and Adverse Selection in the Market for Credit Cards: New Evidence
- WP05-07: A Century of Consumer Credit Reporting in America
- WP03-14: Cost Savings from Electronic Payments and ATMs in Europe
- WP03-09: Theory of Credit Card Networks: A Survey of the Literature
- WP03-08: An Introduction to the Economics of Payment Card Networks
- WP03-05: Credit Card Securitization and Regulatory Arbitrage
- WP03-04: What is the Value of Recourse to Asset Backed Securities? A Clinical Study of Credit Card Banks
- WP03-03: An Overview of Consumer Data and Credit Reporting
- WP02-11: The Development and Regulation of Consumer Credit Reporting in America
Superseded by Working Paper 05-07 - WP01-01: A Quantative Theory of Unsecured Consumer Credit With Risk of Default
- Last update: May 3, 2011
FEDERAL RESERVE BANK OF PHILADELPHIA . TEN INDEPENDENCE MALL . PHILADELPHIA, PA 19106-1574 . TEL: (215) 574-6000
Research & Data | Education | Consumer Credit & Payments | Bank Resources | Community Development | Newsroom | Careers | Publications
About the Fed | Contact | FAQs | Feeds 
| Site Map | Terms of Use | Privacy Policy | Web Feedback 
| PDF Reader | Home
Copyright 2012. All rights reserved. Links with the orange box icon () go to pages outside of the Federal Reserve Bank of Philadelphia’s website.