At the Federal Reserve Bank of Philadelphia’s latest conference on consumer credit and payments, researchers presented the results of the following seven studies on topics including household financial decision-making, the effects of regulation on credit card markets, and the effect on individuals of interactions between credit and labor markets.1

This article appeared in the First Quarter 2014 edition of Business Review. Download and read the full issue.

[1]The seventh biennial conference on consumer credit was hosted jointly on October 3 and 4, 2013, by the Philadelphia Fed’s Payment Cards Center and Research Department. The papers presented may be found at

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