Driven by confluence of recession-induced changes, 2010 brings a perfect storm to the card industry: deteriorated credit quality, consumer credit pullback, shrinking credit card portfolios, and sweeping regulatory change. The CARD Act and the Dodd-Frank Act are reshaping both ends of the consumer banking relationship, as industry participants retool their consumer card and banking strategies, and as consumers adapt their banking and card preferences, attitudes and usage patterns as the recession continues. Packaged Facts' Regulatory Change & The New Consumer Card & Banking Relationship is necessary reading for industry participants navigating the effect these sweeping regulations are having on their credit card, debit card, gift card and consumer banking strategies. In emphasizing a trend-forward philosophy, the report also assists in viewing the impact of these regulations into 2011 and 2012. The report breaks down relevant regulations and their impact on the market, in part by trending important industry metrics (such as interest rates, fees, and penalties) in detail. To help gauge the effect and future ramifications on the consumer, Packaged Facts conducts 'Regulatory Impact and Trend Forecasting' on three groups significantly affected by the regulations: Echo Boomers, The Affluent, and The Debt-Burdened. 'Regulatory Response and Strategy Profiles' of the top 10 card issuers help gauge industry responses and strategies.

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Regulatory Change and the New Consumer Banking Relationship
Published on December 2010
Report Summary
Driven by confluence of recession-induced changes, 2010 brings a perfect storm to the card industry: deteriorated credit quality,
consumer credit pullback, shrinking credit card portfolios, and sweeping regulatory change. The CARD Act and the Dodd-Frank Act
are reshaping both ends of the consumer banking relationship, as industry participants retool their consumer card and banking
strategies, and as consumers adapt their banking and card preferences, attitudes and usage patterns as the recession continues.
Packaged Facts' Regulatory Change & The New Consumer Card & Banking Relationship is necessary reading for industry
participants navigating the effect these sweeping regulations are having on their credit card, debit card, gift card and consumer
banking strategies. In emphasizing a trend-forward philosophy, the report also assists in viewing the impact of these regulations into
2011 and 2012.
The report breaks down relevant regulations and their impact on the market, in part by trending important industry metrics (such as
interest rates, fees, and penalties) in detail. To help gauge the effect and future ramifications on the consumer, Packaged Facts
conducts 'Regulatory Impact and Trend Forecasting' on three groups significantly affected by the regulations: Echo Boomers, The
Affluent, and The Debt-Burdened. 'Regulatory Response and Strategy Profiles' of the top 10 card issuers help gauge industry
responses and strategies.
Table of Content
Table of Contents
Chapter 1 Executive Summary
Chapter 2 Regulatory Analysis and Impact
Overview
CARD Act
Key provisions
Impact of provisions
Regulation E
Key provisions
Impact of provisions
Dodd-Frank Act
Key provisions
Durbin Amendment
Impact of Durbin Amendment
Consumer Financial Protection Agency
Impact of Consumer Financial Protection Agency
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Chapter 3 Macroeconomic and Credit Trends
Macroeconomic overview
Unemployment rate trends
Bankruptcy trends
Household net worth trends
Consumer credit overview
Consumer credit and home mortgage debt rates
Closed-end loans, credit lines & cash out refinancings
Debt service ratios
Revolving credit trends
Charge-off rates
Card lending policies
Consumer payments overview
Credit, debit, cash and check usage trends, by point of sale, 2007-2009.1
Credit and debit card usage and transaction trends
Chapter 4 Trend Analysis: Affected Revenue Generation
Overview
Credit cards
Interest rate analysis
Purchase rates
Cash advance rates
Promotional rates
Deferred interest
Penalty analysis
Late fees
Over-limit fees
Rewards penalties
Fee analysis
Annual fees
Cash advance fees
Overdraft advance fees
Debit cards
Interchange fee analysis
Consumer banking
Minimum balance requirements
Overdraft protection
Chapter 5 Regulatory Response and Strategy Profiles
Overview
Bottom Line Effect on Banks: Regulation E, CARD Act, and Durbin
Amendment
Top U.S. Credit Card Issuers
Regulatory Response and Strategy Profiles
American Express
Impact
Response
Going forward
JP Morgan
Impact
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Response
Going forward
Bank of America
Impact
Response
Going forward
Citigroup
Impact
Response
Going forward
Capital One Financial
Impact
Response
Going forward
Discover
Impact
Response
Going forward
US Bank
Impact
Response
Going forward
Wells Fargo
Impact
Response
Going forward
HSBC Bank
Impact
Response
Going forward
Barclays
Impact
Response
Going forward
Chapter 6 Regulatory Impact and Trend Forecasting: Echo Boomers
Overview
Population forecast
Disposable income trends
Employment and graduation trends
Payment preference overview and rationale
Debt assessment & economic outlook
Credit and debit card usage trends: 2006-10
Attitude assessment: finance & risk
Application: CARD Act prohibition
Application: 'Independent means'
Broader implications of debit use
Key credit card and debit card innovations geared to Echo Boomers
Chapter 7 Regulatory Impact and Trend Forecasting: High-Debt Holders
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Overview
Application: CARD Act & Regulation E
Who's got debt'
Debt assessment by population/demographic
Debt-to-income ratios
Charge-off rates
Credit and debit card usage trends: 2006-10
Broader implications for payment use: less credit, more debit and prepaid
Key credit, debit and prepaid innovations geared to debt-burdened consumers
Chapter 8 Regulatory Impact and Trend Forecasting: The Affluent
Overview
Application: CARD Act & Regulation E
Definition of mass affluent
Mass affluent population estimate and forecast
Demographic trends, by HH assets
Demographic trends, degree of banking tools and services engagement
Payment preference overview and rationale
Debt assessment & economic outlook
Attitude assessment: finance & risk
Card usage trends: 2006-10
CARD Act prohibition: detailed analysis
The winners'
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