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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.
2007
- 07-18: The Reaction of Consumer Spending and Debt to Tax Rebates: Evidence from Consumer Credit Data
- 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
- 07-10: 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
- 07-05: 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
2005
- 05-21: Potential Competitive Effects on U.S. Bank Credit Card Lending from the Proposed Bifurcated Application of Basel II (Superseded by Working Paper 07-04)
- 05-18: The Effect of Transaction Pricing on the Adoption of Electronic Payments: A Cross-Country Comparison
- 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- 05-12: A Quantitative Theory of Unsecured Consumer Credit with Risk of Default (Superseded by Working Paper 07-08)
- 05-09: Switching Costs and Adverse Selection in the Market for Credit Cards: New Evidence
- 05-07: A Century of Consumer Credit Reporting in America
2003
- 03-14: Cost Savings from Electronic Payments and ATMs in Europe
- 03-09: Theory of Credit Card Networks: A Survey of the Literature
- 03-08: An Introduction to the Economics of Payment Card Networks
- 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
2002
- 02-11: The Development and Regulation of Consumer Credit Reporting in America
Superseded by Working Paper 05-07
All Papers
- 09-21: Securitization and Mortgage Default: Reputation vs. Adverse Selection
- 08-32: Restricting Consumer Credit Access: Household Survey Evidence on Effects Around the Oregon Rate Cap
- 08-18: In Harm's Way? Payday Loan Access and Military Personnel Performance
- 08-05: Business Method Patents and U.S. Financial Services
- 07-18: The Reaction of Consumer Spending and Debt to Tax Rebates: Evidence from Consumer Credit Data
- 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
- 07-10: 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
- 07-05: 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
- 05-21: Potential Competitive Effects on U.S. Bank Credit Card Lending from the Proposed Bifurcated Application of Basel II (Superseded by Working Paper 07-04)
- 05-18: The Effect of Transaction Pricing on the Adoption of Electronic Payments: A Cross-Country Comparison
- 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 07-08)
- 05-09: Switching Costs and Adverse Selection in the Market for Credit Cards: New Evidence
- 05-07: A Century of Consumer Credit Reporting in America
- 03-14: Cost Savings from Electronic Payments and ATMs in Europe
- 03-09: Theory of Credit Card Networks: A Survey of the Literature
- 03-08: An Introduction to the Economics of Payment Card Networks
- 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
- 02-11: The Development and Regulation of Consumer Credit Reporting in America
Superseded by Working Paper 05-07 - 01-01: A Quantative Theory of Unsecured Consumer Credit With Risk of Default
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