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Excessive household debt contributed to the worst recession in decades. Insights about borrowing and spending behavior can inform economic recovery forecasts, policy decisions, and financial education...
The article presents a critical evaluation of available consumer credit statistics. It is reported that there are three principal types of consumer credit statistics available on a regular or periodic...
This article focuses on the role that consumer credit plays in economic activity. One of the article's goals is to call attention to the "Other" loans entry on the United States Federal Reserve Board'...
Consumer credit is supplied in many forms, ranging from small, unsecured loans to long-term contracts of thousands of dollars protected by valuable collateral. It is sometimes provided on a personaliz...
The article focuses on an empirical analysis on if consumer durable expenditures respond to adjustments in consumer credit extensions, using the Sims test for causality. It states that there is eviden...
Knowledge that has been accumulated through research efforts concerning credit card ownership and usage behaviour has been confined to Western societies. Given the importance of cross-national applica...
Despite the increasing importance of credit scoring to an expanding range of activities, very little is known about the nature of the credit scoring process. This article examines the interaction of c...
As a result of restricted lending following the recent financial crisis, implementation of the 2009 Credit Card Accountability, Responsibility and Disclosure (CARD) Act, and widespread changes in cred...
As a result of restricted lending following the recent financial crisis, implementation of the 2009 Credit Card Accountability, Responsibility and Disclosure (CARD) Act, and widespread changes in cred...

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