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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 PCC staff, visiting scholars, researchers affiliated with the PCC, 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 PCC 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 PCC visiting scholars, economists in the Bank’s Research Department, and other economists affiliated with the PCC. The Business Review includes less technical articles written by economists in the Bank’s Research Department.