Did the Credit CARD Act Lead to Higher Interest Rates or Just More Honest Rates?
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Results of research on the impact of the CARD Act on the credit card market. Based on the report "Credit Card Clarity", presented at the American Council on Consumer Interests annual conference in 2011.
![Did the Credit CARD Act Lead to Higher Interest Rates or Just More Honest Rates? Josh Frank Senior Researcher Center for Responsible Lending 510-379-5518 [email_address] www.responsiblelending.org](https://image.slidesharecdn.com/acciconferencecreditcardclaritypresentation-111221133644-phpapp01/85/did-the-credit-card-act-lead-to-higher-interest-rates-or-just-more-honest-rates-1-320.jpg)
![Card Act passed in May 2009 ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]](data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7)
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Did the Credit CARD Act Lead to Higher Interest Rates or Just More Honest Rates?
- 1. Did the Credit CARD Act Lead to Higher Interest Rates or Just More Honest Rates? Josh Frank Senior Researcher Center for Responsible Lending 510-379-5518 [email_address] www.responsiblelending.org
- 5. What data should be used?
- 6. What the RIGHT data show…
- 7. No Evidence of Rate Increase from New Rules
- 9. Full Regression Results Difference Model
- 10. Mail Volume Shows NO Evidence New Rules Cut Access Mail increase was to all credit risk segments.
- 11. Full Regression Results Mail Volume
- 12. Full Regression Results Mail Volume-Difference Model
- 14. Full Regression Results Business vs. Consumer Cards
- 15. Full Regression Results Business vs. Consumer Cards-First Differences
- 18. Did the Credit CARD Act Lead to Higher Interest Rates or Just More Honest Rates? Questions? Josh Frank Senior Researcher Center for Responsible Lending 510-379-5518 [email_address] www.responsiblelending.org