Books, News Stories, Periodicals, and Other MaterialsAblott, Matt: “Citibank's Chinese Head-Start.” Cards International: 298 (2003): 10.
Ablott, Matt: “French Banks Accused of Cards Cartel Carve-up.” Cards International: 322 (2004): 3.
Ablott, Matt: “MasterCard and Visa Go Separate Ways on Surcharging.” Cards International: 325 (2004): 10.
Abraham, Kenneth S.: Insurance Law and Regulation. (3rd ed. 2000).
Ackrill, Margaret, and Leslie Hannah: Barclay's: The Business of Banking 1690–1996. 2001.
“Adib Launches Credit Card that Complies with Sharia.” Gulf News: (5 Jul. 2004) <http://www.zawya.com>.
Adler, Barry.: “Regulating Consumer Bankruptcy: A Theoretical Inquiry.” J. Legal Stud.: 29 (2000): 585.
Ainslie, George, and Haslam, Nick: Hyperbolic Discounting, in Choice over Time. 57, 69 (George Loewenstein & Jon Elster eds. 1992).
Amato, Paul R.: “Life-Span Adjustment of Children to Their Parents' Divorce.” 4 Future Child. (1994): 143.
Ambrose, Eileen: “Judges Start with Young to Head off Bankruptcy.” Chicago Tribune: (24 Apr. 2005).
APACS: “Plastic Cards – History of Plastic Cards.” Available at http://www.apacs.org.uk
APACS: The Proposed Consumer Credit Directive (Com (2002) 443) & Its Potential Consequences for the UK Credit Card Market (Apr. 23, 2003) (providing an industry perspective).
“Are Contactless Payments an Irresponsible Idea?” Wisemarketer.com: (26 Sept. 2005).
Armour, John: “Personal Insolvency Law and the Demand for Venture Capital.” Eur. Bus. Org'n L. Rev.: 5 (2004): 87.
Arnold, Wayne: “Boom Time for Credit in Southeast Asia.” New York Times: (12 Nov. 2004).
“Australian Market Tackles Regulation.” Cards International: 329 (Nov. 2004): 16.
Ausubel, Lawrence M.: “Credit Card Defaults, Credit Card Profits, and Bankruptcy.” American Bankruptcy Law Journal: 71 (1997).
Bacchette, Philippe, and Gerlach, Stefan: “Consumption and Credit Constraints: International Evidence.” J. Monetary Econ.: 40 (1997): 207.
Bank of America 2004 Annual Report.
Bar-Gill, Oren: “Seduction by Plastic.” Northwestern University Law Review: 98 (2004): 1373.
Bar-Gill, Oren: “Consumer Misperceptions and Market Reactions: The Case of Competitive Bundling.” U. Chi. L. Rev. 73 (2006): 33.
Barr, Michael: “Banking the Poor.” Yale J. on Reg.: 21 (2004): 121.
Bates, Larry: “Administrative Regulation of Terms in Form Contracts: A Comparative Analysis of Consumer Protection.” Emory International Law Review: 16 (2002): 1.
Bayot, Jennifer: “Credit Card Lets Democrats Shop with Party Loyalty.” New York Times: (20 Jan. 2004): C8.
Bayot, Jennifer: “Final Pact Approved in Long-Running Debit Card Litigation.” New York Times: (20 Dec. 2003): C4.
Bayot, Jennifer: “MasterCard Settles Case With Retailers Ahead of Trial.” New York Times: (23 Apr. 2003): C1.
Beale, Sara Sun: “The Political, Social, Psychological and Other Non-Legal Factors Influencing the Development of (Federal) Criminal Law.” Buffalo Criminal Law Review: 1 (1997): 23.
Bernstein, Anita: “For and Against Marriage: A Revision.” Mich. L. Rev.: 102 (2003): 129, 194–95.
Bertaut, Carol C., and Michael Haliassos: “Debt Revolvers for Self-Control.” (University of Cyprus Workingn Papers in Economics No. 0208, June) <http://papers.ssrn.com/sol3/papers.cfm?abstract_id=276052>.
Bettman, James R. An Information Processing Theory of Consumer Choice. (1979).
Bettman, James R. et al. Cognitive Considerations in Presenting Risk Information, in Learning About Risk: Consumer and Worker Responses to Hazard Information. (1987).
Black, Sandra E., and Morgan, Donald P.: “Meet the New Borrowers, Current Issues in Econ. & Fin.” Federal Reserve Bank of New York: 5 (Feb. 1999): 1.
Block-Lieb, Susan and Janger, Edward: “The Myth of the Rational Borrower: Rationality, Behaviorism, and the Misguided “Reform” of Bankruptcy Law.” Texas Law Review: 84 (forthcoming).
Bloom, Jennifer Kingson: “Visa Stands by Updated Debit Card, Though Banks' Response Is Cool.” American Banker: (28 July 1999).
Bounds, Gwendolyn, and Sidel, Robin: “Merchants Balk at Higher Fees for Credit Cards.” Wall Street Journal: (12 Apr. 2005): B1.
Braucher, Jean: “Defining Unfairness: Empathy and Economic Analysis at the Federal Trade Commission.” B.U. L. Rev: 68 (1988): 349.
Brito, Dagobert L., and Hartley, Per R.: “Consumer Rationality and Credit Cards.” J. Pol. Econ. 400: 103 (1995).
Brus, Brian: “Credit Buyers Soaring, Restaurants Swallow Costs To Savor Benefits.” Oklahoma City Journal Record: (14 July 2005).
Buckley, F. H., and Brinig, Margaret F.: “The Bankruptcy Puzzle.” J. Legal Stud.: 27 (1998): 187.
Calder, Lendol. Financing the American Dream: A Cultural History of Secured Credit. (1999).
Calem, Paul S., et al. “Switching Costs and Adverse Selection in the Market for Credit Cards: New Evidence.” Journal of Banking & Finance (forthcoming).
Camerer, Colin.: “Regulation for Conservatives: Behavioral Economics and the Case for ‘Asymmetric Paternalism.’” University of Pennsylvania Law Review: 151 (2003): 1211.
“Card Payments at Vending Machines Boost Sales.” PR Newswire: (19 Nov. 2004) <http://www.epaynews.com/index.cgi?survey=&ref=browse&f=view&id=1100872637622215212&block>.
“Card Transactions a Sure Bet for the Future.” Credit Union Journal: (28 Mar. 2005): 28.
CardData, “Bank Credit Card Convenience Usage.” (20 Dec. 2004) <http://www.cardweb.com/carddata/charts/convenience_usage.amp>.
CardFlash (May 18, 2005).
“Cards Jump on Consumer Credit Bandwagon in Poland.” Cards International: 296 (2003): 19.
“Cards Slowly Overcoming Barriers in Indonesia.” Cards International: 316 (2004): 19.
Carlton, Dennis W., andFrankel, Alan S.: “The Antitrust Economics of Credit Card Networks.” Antitrust Law Journal: 63 (1995): 643.
Chang, Howard.: “The Effect of Regulatory Intervention in Two-Sided Markets: An Assessment of Interchange-Fee Capping in Australia.” Rev. Network Economics: 4 (2005): 328.
Chu, Kathy: “Credit Cards Quitting Rate-Bumping Game.” USA Today: (19 Oct. 2005).
Citigroup 2004 Annual Report.
Cleveland, Harold van B.: CitiBank: 1812–1970. (1986).
Cohen, Lizabeth. A Consumers' Republic: The Politics of Mass Consumption in Postwar America. (2003).
Cole, Marcus: “A Modest Proposal for Bankruptcy Reform.” Green Bag: 5 (2002): 269.
Cooter, Robert D., andRubin, Edward L.: “A Theory of Loss Allocation for Consumer Payments.” Texas Law Review: 66 (1987): 63.
Craswell, Richard: “Property Rules and Liability Rules in Unconscionability and Related Doctrines.” University of Chicago Law Review: 60 (1993): 1.
Crispin, Shawn W.: “Thailand Acts to Slow Down Some Lending.” Wall Street Journal: (25 Mar. 2004): A15.
Croley, Steven P., and Hanson, Jon D.: “Rescuing the Revolution: The Revived Case for Enterprise Liability.” Michigan Law Review: 91 (1993): 683.
“Culture Clash For Chinese Cards.” Cards International: 325 (2004): 2.
Dash, Eric: “7 Big Retail Chains Sue Visa, Saying Its Fees Are a Form of Price Fixing.” New York Times: (16 July 2005).
Davis, Jeffrey: “Protecting Consumers from Overdisclosure and Gobbledygook: An Empirical Look at the Simplification of Consumer-Credit Contracts.” Virginia Law Review: 63 (1977).
Davis, Jeffrey: “Revamping Consumer-Credit Contract Law.” Virginia Law Review: 68 (1982): 1333.
“Debit Cards Dominate Belgian Market.” Cards International: 299 (2003): 17.
Dellavigna, Stefano, and Malmendier, Ulrike: “Contract Design and Self-Control: Theory and Evidence.” Quarterly Journal of Economics: 199 (2004): 353.
Demos: “Borrowing to Make Ends Meet: The Growth of Credit Card Debt in the 90's.” <http://www.demos-usa.org/demos/debt_assets/borrowing.pdf>.
DeMuth, Christopher C.: “The Case Against Credit Card Interest Rate Regulation.” Yale J. on Regulation: 3 (1986): 201.
Domowitz, Ian, and Sartain, Robert L.: “Determinants of the Consumer Bankruptcy Decision.” Journal of Finance: 54 (1999): 403.
Dove Consulting: “Debit Card Fraud and Performance Benchmarking.” (Oct. 2005).
“Dutch Revolve, But Not on Cards.” Cards International: 318 (2004): 24.
Efrat, Rafael: “Global Trends in Personal Bankruptcy.” Am. Bankr. L.J.: 76 (2002): 81.
Eisenberg, Theodore, : “Bankruptcy Law in Perspective.” UCLA L. Rev.: 28 (1981): 953.
ElBoghdady, Dina: “For Some, No Purchase Is Too Small for Plastic.” Washington Post: (23 Feb. 2005): A01.
Elder, Robert: “Payday Lenders Hope Bill Will Reverse Their Fortunes.” Austin American Statesman: (22 Apr. 2005): C1.
Ellis, Diane: “The Effect of Consumer Interest Rate Deregulation on Credit Card Volumes, Charge-offs, and the Personal Bankruptcy Rate.” Bank Trends: (May 1998).
Emmons, William R.: “Consumer-Finance Myths and Other Obstacles to Financial Literacy.” St. Louis University Public Law Review: 24 (2005): 335.
“Eurocard.” The Economist: (29 Apr. 1978).
Euromonitor, World Market for Financial Cards. (2002).
Fan, Wei, and White, Michelle J.: “Personal Bankruptcy and the Level of Entrepreneurial Activity.” J.L. & Econ.: 46 (2003): 543.
Fannie Mae, Announcement 04-06 (Sept. 28, 2004) <http://www.mortgagebankers.org/resident/2004/fannie-04-06.pdf>.
Fay, Scott.: “The Household Bankruptcy Decision.” Am. Econ. Rev.: 92 (2002).
Federal Reserve System, Board of Governors of, “Report to the Congress on the Disclosure of Point-of-Sale Debit Fees” 34–35 (November 2004).
Federal Reserve System, Board of Governors of, “Report to the Congress on the Profitability of Credit Card Operations of Depositary Institutions” Volume 5 (June 2005) <http://www.federalreserve.gov/boarddocs/rptcongress/creditcard/2005/ccprofit.pdf>.
Federal Reserve System, Board of Governors of, “Report to Congress on the Availability of Credit to Small Businesses” (Sept. 2002) <http://www.federalreserve.gov/boarddocs/RptCongress/sbfreport2002.pdf>.
Feinberg, Richard A.: “Credit Cards as Spending Facilitating Stimuli: A Conditioning Interpretation.” J. Consumer Research: 18 (1986): 348.
Feinberg, Richard A.: “The Social Nature of the Classical Conditioning Phenomena in People: A Comment on Hunt, Florsheim, Chatterjee, and Kernan.” Psychology Report: 67 (1990): 331.
“Financial Services Used by Small Businesses: Evidence from the 1998 Survey of Small Business Finances.” Federal Reserve Bulletin: (Apr. 2001): 183.
Fitzgerald, Kate: “They're Baaaaack: Card Marketers on Campus.” Credit Card Management: (June 2003): 18.
Flannery, Mark, and Katherine Samolyk. Payday Lending: Do the Costs Justify the Price. (FDIC Center for Financial Research, Working Paper No. 2005–09).
Food Marketing Institute, A Retailer's Guide to Electronic Payment Systems. (1998).
Frankel, Alan S.: “Monopoly and Competition in the Supply and Exchange of Money.” Antitrust Law Journal: 66 (1998): 313.
Friedman, Jon, and John Meehan. House of Cards: Inside the Troubled Empire of American Express. (1992).
Friedman, Lawrence. Contract Law in America. (1965).
“From Communism to Consumerism.” The Economist: (1 Mar. 2003).
Furletti, Mark: “Credit Card Pricing Developments and Their Disclosure.” Federal Reserve Bank of Philadelphia: (January 2003).
Furletti, Mark: “The Debate over the National Bank Act and the Preemption of State Efforts to Regulate Credit Cards.” Temple Law Review: 77 (2004): 425.
Gabaix, Xavier, and Laibson, David: Shrouded Attributes, Consumer Myopia, and Information Suppression in Competitive Markets. Quarterly Journal of Economics: 121 (forthcoming).
Gan, Li & Tarun Sabarwal: “A Simple Test of Adverse Events and Strategic Timing Theories of Consumer Bankruptcy” (NBER Working Paper 11763) (Nov. 2005 draft).
Gans, Joshua S., and King, Stephen P.: “The Role of Interchange Fees in Credit Card Associations: Competitive Analysis and Regulatory Issues.” Australian Bus. Law Rev.: 20 (2001): 94.
Garbarine, Rachelle: “Paying Rent by Credit Card, and Dreaming of Waikiki.” New York Times: (29 Dec. 2003): A17.
Gaudio, Arthur R.: “Electronic Real Estate Records: A Model for Action.” W. New Eng. L. Rev.: 24 (2002): 271.
Georgakopoulos, Nicholas L.: “Bankruptcy Law for Productivity.” Wake Forest L. Rev.: 37 (2002): 51.
Geva, Benjamin: “Consumer Liability in Unauthorized Electronic Funds Transfers.” Canadian Business Law Journal: 38 (2003): 207.
Gilbert, R. Alton: “The Advent of the Federal Reserve and the Efficiency of the Payments Systems: The Collection of Checks, 1915–1930.” Explorations in Economic History: 37 (2000): 121.
Gillette, Clayton: “Rolling Contracts as an Agency Problem.” Wisconsin Law Review: 679 (2004).
Global Report on Crime and Justice. G. Newman, ed. 1999.
Gosselin, Peter G.: “New Bankruptcy Law Could Exact a Toll on Storm Victims.” Los Angeles Times: (7 Sept. 2005).
Grady, Bill. Credit Card Marketing. (1992).
Grant, James. Money of the Mind: Borrowing and Lending in America from the Civil War to Michael Milken. (1992).
Green, Jeffrey: “Profitability 2006.” Cards and Payments: (May 2006): 31.
Grether, David M..: “The Irrelevance of Information Overload: An Analysis of Search and Disclosure.” Southern California Law Review: 59 (1986): 277.
The Griffiths Commission on Personal Debt, “What Price Credit?” (2005).
Gross, David B., and Souleles, Nicholas S.: “An Empirical Analysis of Personal Bankruptcy and Delinquency.” Review of Financial Studies: 15 (2002): 319.
Grossman, Peter Z. American Express: The Unofficial History of the People Who Built the Great Financial Empire. (1987).
Guardia, Nuria Diez: “Consumer Credit in the European Union.” ECRI Research Report: 1 (Feb. 2000).
Hacker, Jacob S. The Divided Welfare State: The Battle over Public and Private Social Benefits in the United States. (2002).
Haliassos, Michael, and Michael Reiter. Credit Card Debt Puzzles. (Center for Financial Studies Working Paper No. 2005/26), available at http:www/ifk-cfs.de/papers/05_26.pdf.
“Hangover Cure: South Korea's Banks.” The Economist: (5 June 2004).
“Hannaford Finds PIN Debit Is Now as Expensive as Checks.” DigitalTransactionNews: (21 Sept. 2005).
Hanson, Jon D., and Kysar, Douglas A.: “Taking Behavioralism Seriously: The Problem of Market Manipulation.” New York University Law Review: 74 (1999): 630.
Hanson, Jon D., and Kysar, Douglas A.: “Taking Behavioralism Seriously: Some Evidence of Manipulation.” Harvard Law Review: 112 (1999): 1420.
Hanson, Jon D., and Logue, Kyle D.: “The First Party Insurance Externality: An Economic Justification for Enterprise Liability.” Cornell Law Review: 76 (1990): 129.
Hanson, Jon, and Yosifon, David: “The Situational Character: A Critical Realist Perspective on the Human Animal.” Georgetown Law Journal: 93 (2004): 1.
Hayashi, Fumiko. “A Puzzle of Card Payment Pricing: Why Are Merchants Still Accepting Card Payments.” Rev. Network Econ.: 5 (2006): 144.
Hendrickson, Robert. The Cashless Society. (1972).
Himmelstein, David U: “MarketWatch: Illness and Injury as Contributors to Bankruptcy, Health Affairs.” (February 2005).
Hock, Dee. Birth of the Chaordic Age. (1999).
“Hong Kong Returns to Profitability.” Cards International: 320 (2004): 12.
Humphrey, David B..: “Realizing the Gains from Electronic Payments: Costs, Pricing, and Payment Choice.” Journal Money, Credit & Banking: 33 (2001): 216.
Hunt, James M., Florsheim, R. A., and Kernan, Jerome B.: “Credit Cards as Spending-Facilitating Stimuli: A Test and Extension of Feinberg's Conditioning Hypothesis.” Psychology Report: 67 (1990): 323.
Hunt, Robert M.: “Development and Regulation of Consumer Credit Reporting in the US,” in The Economics of Consumer Credit: European Experience and Lessons from the U.S. (Guiseppe Bertola et al. eds. forthcoming).
Hynes, Richard: “Non-Procrustean Bankruptcy.” Illinois Law Review: (2004): 301.
Hynes, Richard: “Overoptimism and Overborrowing.” BYU L. Rev.: (2004): 127.
Hynes, Richard: “Why (Consumer) Bankruptcy?” Ala. L. Rev.: 56 (2004): 121.
“India Credit Bureau Set for Launch in 2005.” Cards International: 327 (2004): 10 (India).
“India Unveils First National Credit Bureau.” Cards International: 319 (2004): 8.
“India's Banks Join the Party.” Cards International: 483 (2002).
“Investors Nervous over South Korean Card Debts.” Cards International: 296 (2003): 11.
Isaacs, Nathan: “The Standardizing of Contracts.” Yale L.J: 27 (1917): 34.
Issacharoff, Samuel, and Delaney, Erin F.: “Credit Card Accountability.” University of Chicago Law Review: 73 (2006): 157.
Jackson, Thomas H.: “The Fresh-Start Policy in Bankruptcy Law.” Harvard Law Review: 98 (1985): 1393.
Jacoby, Melissa B.: “Does Indebtedness Influence Health? A Preliminary Inquiry.” J.L. Med. & Ethics: 30 (2002): 560.
Jacoby, Melissa B.: “Rethinking the Debates over Health-Care Financing: Evidence from the Bankruptcy Courts.” New York University Law Review: 76 (2001): 375.
“Japanese Consumer Debt; Less Thrifty Than They Seemed.” The Economist: (8 Feb. 1992).
Jappelli, Tullio, and Marco Pagano. “The Role and Effects of Credit Information Sharing,” in The Economics of Consumer Credit: European Experience and Lessons from the U.S. (Guiseppe Bertola et al. eds. forthcoming).
Jappelli, Tullio, and Pagano, Marco. Information Sharing, Lending and Defaults: Cross Country Evidence. Journal of Banking & Finance: 26 (2002): 2017.
Jentzsch, Nicola, and Amparo San Jose Riestra. “Consumer Credit Markets in the United States and Europe,” in The Economics of Consumer Credit: European Experience and Lessons from the U.S. (Giuseppe Bertola et al. eds. forthcoming).
Jentzsch, Nicola. The Regulation of Financial Privacy: The United States vs. Europe. (ECRI Research Report No. 5) (June 2003).
Jeong-Ju, Na.: South Korean Households' Debt Reach an All-Time High Last Year, Korea Times, Mar. 2, 2006.
Joint Committee on Check Collection System, “Study of Check Collection System.” (1954).
Jolls, Christine.: “A Behavioral Approach to Law and Economics.” Stanford Law Review: 50 (1998): 1471.
Jones, Edith H., and Zywicki, Todd J.: “It's Time for Means-Testing.” Brigham Young Law Review: 177 (1999).
J. P. Morgan Chase 2004 Annual Report.
Kessler, Friedrich: “Contracts of Adhesion – Some Thoughts About Freedom of Contract.” Columbia Law Review: 43 (1943): 629.
Kilborn, Jason. “Continuity, Change, and Innovation in Emerging Consumer Bankruptcy Systems: Belgium and Luxembourg.” American Bankruptcy Institute Law Review: 14 (forthcoming).
Kilborn, Jason: “La Responsabilisation de l'Economie: What the U.S. Can Learn from the New French Law on Consumer Overindebtedness.” Mich. J. Int'l L.: 26 (2005): 619.
Kilborn, Jason: “The Innovative German Approach to Consumer Debt Relief: Revolutionary Changes in German Law, and Surprising Lessons for the United States.” Nw. J. Int'l L. & Bus.: 24 (2004): 257.
Kitch, Edmund W.: “The Framing Hypothesis: Is It Supported by Credit Card Issuer Opposition to a Surcharge on a Cash Price?” J.L. Econ. & Org.: 6 (1990): 217.
Klee, Elizabeth: “Paper or Plastic? The Effect of Time on Check and Debit Card Use at Grocery Stores.” Board of Governors of the Federal Reserve, Finance and Economics Discussion Series, No. 2006-2 (March 2006), available at http://www.federalreserve.gov/pubs/FEDS/2006/200602/200602abs.html
“The Korea Credit Card Meltdown – What Happened and What Lessons Are Relevant?” Cards International: 318 (2004): 13.
“Korean Card Company Blacklist Reaches 3m.” Cards International: 297 (2003): 11.
“Korean Rescue Programmes Unveiled.” Cards International: 298 (2003): 23.
Korobkin, Russell: “Bounded Rationality, Standard Form Contracts, and Unconscionability.” University of Chicago Law Review: 70 (2003): 1203.
Kristof, Kathy M.: “Late on One Card? Rates Can Rise on All of Them.” L.A. Times: (7 Aug. 2005): C2.
Kulasekaran, Sivakumar, and Shaffer, Sherrill: “Cost Efficiency Among Credit Card Banks.” J. Econ. & Bus: 54 (2002): 54.
Laibson, David: “Golden Eggs and Hyperbolic Discounting.” Quarterly Journal of Economics: 112 (1997): 443.
Lawless, Robert M., and Warren, Elizabeth: “The Myth of the Disappearing Business Bankruptcy:” Calif. L. Rev.: 93 (2005): 743.
Lee, Jinkook, and Hogarth, Jeanne M.: “Relationships Among Information Search Activities When Shopping for a Credit Card.” J. Consumer Affairs: 34 (2000): 330.
Leff, Arthur Alan: “Contract as Thing.” American University Law Review: 19 (1970): 131.
Levitin, Adam J.: “America's Payment Systems, No-Surcharge Rules, and the Hidden Costs of Credit.” Berkeley Business Law Journal: 3 (2006): 69.
Lieber, Ron: “A Bonus for Blowing Off Your Bills.” Wall Street Journal: (16 Sept. 2003): D1.
Lindenmayer, Isabelle: “Fast Food Embraces Cards, Hesitant on Contactless.” American Banker: (4 Aug. 2005).
Lindenmayer, Isabelle: “Warnings of a Downside for Amex in Bank Cards.” American Banker: (22 Mar. 2005).
LoPucki, Lynn: “Common Sense Consumer Bankruptcy.” Am. Bankr. L.J.: 71 (1997): 461.
“Loyalty Drive Revolving Credit.” Cards International: (Aug. 2005): 9.
Lucas, Laurie A.: “Integrative Social Contracts Theory: Ethical Implications of Marketing Credit Cards to U.S. College Students.” Am. Bus. L. J.: 38 (2001): 413.
Lucas, Peter: “A Big Lift for Loyalty.” Credit Card Management: (June 2002): 26.
Lucas, Peter: “PIN Debit: Grounded, Credit Card Management.” (May 2005): 16.
Ludvigson, Sydney. Consumption and Credit: A Model of Time-Varying Liquidity.
Lupton, Joseph, and Frank Stafford: “Five Years Older: Much Richer or Deeper in Debt?” (Jan. 2000), available at http://psidonline.isr.umich.edu/Publications/Papers/FiveYearsOlder.pdf.
Lysaght, Gerard: “Swimming Successfully Against the Tide.” Cards International: 345 (2005): 14.
Macaulay, Stewart: “Private Legislation and the Duty to Read – Business Run by IBM Machine, the Law of Contracts and Credit Cards.” Vanderbilt Law Review: 19 (1966): 1051.
Mae, Nellie. College on Credit: How Students Perceive Their Education Debt 9 tbl. 5. (Feb. 2003) <http://www.nelliemae.com/library/nasls_2002.pdf>, (last visited May 27, 2005).
Mae, Nellie. Credit Card Use Among Graduate Students 2003. (May 2004) <http://www.nelliemae.com/library/ccstudy_2003.pdf>, (last visited May 27, 2005).
Mae, Nellie. Undergraduate Students and Credit Cards in 2004: An Analysis of Usage Rates and Trends. (May 2005) <http://www.nelliemae.com/library/research_12.html>, (last visited May 27, 2005).
Maki, Dean M. The Growth of Consumer Credit and the Household Debt Service Burden, in The Impact of Public Policy on Consumer Credit. (Thomas A. Durkin & Michael E. Staten eds. 2002).
Mandell, Lewis. The Credit Card Industry: A History. (1990).
Mann, Bruce H. Republic of Debtors: Bankruptcy in the Age of American Independence. (2002).
Mann, Ronald J. Payment Systems and Other Financial Transactions. (3rd ed. 2006).
Mann, Ronald J., and Jane Kaufman Winn. Electronic Commerce. (2d ed. 2005).
Mann, Ronald J.: “A Payments Policy for the Information Age.” Georgetown Law Journal: 93 (2005): 633.
Mann, Ronald J.: “Bankruptcy Reform and the ‘Sweat Box’ of Credit Card Debt.” Illinois L. Rev. (forthcoming).
Mann, Ronald J.: “Credit Cards and Debit Cards in the United States and Japan.” Vanderbilt Law Review: 55 (2002): 1055.
Mann, Ronald J.: “Regulating Internet Payment Intermediaries.” Texas Law Review: 82 (2004): 681.
Mann, Ronald J.: “Searching for Negotiability in Payment and Credit Systems.” UCLA Law Review: 44 (1997): 951.
Mann, Ronald J.: “Strategy and Force in the Liquidation of Secured Debt.” Michigan Law Review: 96 (1997): 159.
Manning, Robert D. Credit Card Nation: The Consequences of America's Addiction to Credit. (2000).
Martin, Nathalie: “The Role of History and Culture in Developing Bankruptcy and Insolvency Systems: The Perils of Legal Transplantation.” Boston College Int'l & Comp. L. Rev.: 28 (2005): 1.
Martin, Zack: “Still Flying High After All These Years.” Credit Card Management: (Dec. 2001): 50.
“MasterCard Reports Debit Increase Nearly Triple That of Credit.” DigitalTransactionNews: (1 Nov. 2005).
Mazursky, Ronald G., and F. Alan Schultheis. The Evolving Role of Credit Cards in Consumers' Wallets. (April 2004) <http://www.edgardunn.com/eletter/2004--04> (last visited September 3, 2004).
MBNA 2004 10-K.
“MBNA Profits Plunge Among Record Results for US Banks.” Cards International: 337 (29 Apr. 2005).
McCorkell, Peter L.: “The Impact of Credit Scoring and Automated Underwriting on Credit Availability,” in The Impact of Public Policy on Consumer Credit 209 (Thomas A. Durkin & Michael E. Staten eds. Kluwer 2002).
“McDonalds Confirms the Cashless Ticket Lift.” Cardflash: (22, July 2005) <http://www.cardweb.com>.
McDowall, Duncan. Quick to the Frontier: Canada's Royal Bank. (1993).
Milhaupt, Curtis J., and West, Mark D.: “The Dark Side of Private Ordering: An Institutional and Empirical Analysis of Organized Crime.” University Chicago Law Review: 67 (2000): 41.
Mitchell, Richard: “The Future of Visa and MasterCard, Credit Card Management.” (June 2004).
Molotsky, Irvin: “The Hidden Costs of the Cashless Society.” New York Times: 4 (4 Mar. 1984): 3.
Morbin, Tony: “Chinese to Launch National Credit Bureau in 2005.” Cards International: 325 (2004): 3.
“More Aussie Retailers Plan Surcharges for Credit Card Payments.” digitaltransactionsnews, Mar. 21, 2006.
Morriss, Andrew P., and Jason Korosec. “Automating Dispute Resolution: Credit Cards, Debit Cards, and Private Law.” Journal of Law, Econ. & Pol'y (forthcoming).
Moss, David A. When All Else Fails: The Government as Ultimate Risk Manager. (2002).
Negrin, Jose L.: “The Regulation of Payment Cards: The Mexican Experience.” Rev. Network Econ.: 4 (2005): 243.
“New Entrants Shake Up Irish Market.” Cards International: 319 (2004): 23.
“The New Spendthrifts.” The Economist: (20 Apr. 2002).
Niemi-Kiesiläinen, Johanna: “Changing Directions in Consumer Bankruptcy Law and Practice in Europe and USA.” J. Consumer Pol'y: 20 (1997): 133.
Nilson Report.
Norvilitis, Jill M.: “Factors Influencing Level of Credit-Card Debt in College Students.” J. Applied Social Psychology: 33 (2003): 935.
OECD Economics Department: “The Decline in Private Savings Rates in the 1990s in OECD Countries: How Much Can Be Explained by Non-Wealth Determinants?” (ECO/WKP(2002) Dec. 2002), available at http://www.olis.oecd.org/olis/2002doc.nsf/linkto/eco-wkp(2002)30.
Office of the Comptroller of the Currency, Bank Activities and Operations; Real Estate Lendings and Appraisals, 69. Fed.Reg. 1895 (Jan. 13, 2004).
Olney, Martha. Buy Now, Pay Later: Advertising, Credit and Consumer Durables in the 1920's. (1991).
“Overindebtedness in the Enlarged EU.” Cards International: 319 (2004): 20.
Padilla, Jorge A., and Pagano, Marco. “Sharing Default Information as a Borrower Discipline Device.” European Econ. Rev.: 44 (2000): 1951.
Pagano, Marco, and Jappelli, Tullio: “Information Sharing in Credit Markets.” Journal of Finance: 48 (1993): 1693.
Peterson, Christopher L. Taming the Sharks: Towards a Cure for the High Cost Credit Market. (2004).
“The Plastic-Money Would-Be Pre-Election Boom.” The Economist: (Sept. 9 1978): 107.
Porter, Katherine, and Thorne, Deborah. “Going Broke and Staying Broke: The Realities of the Fresh Start in Chapter 7 Bankruptcies.” Cornell Law Review: 92 (forthcoming).
“Portugal Offers Growth Potential.” Cards International: 322 (2004): 20.
Posner, Eric: “Contract Law in the Welfare State: A Defense of Usury Laws, the Unconscionability Doctrine, and Related Limitations on the Freedom to Contract.” Journal of Legal Studies: 24 (1995): 283.
Prelec, Drazen, and Simester, Duncan: “Always Leave Home Without It: A Further Investigation of the Credit-Card Effect on Willingness to Pay.” Marketing Letters: Volume 12 (2001): 5.
Providian 2004 Annual Report.
Punch, Linda: “Getting Tough?” Credit Card Management: (Feb. 2005): 42.
Punch, Linda: “The Cash-Rebate Card, Part II.” Credit Card Management: (Oct. 2002): 54.
“Q&A: Why Do We Need New Credit Laws.” BBC (8 Dec. 2003) <http://news.bbc.co.uk/2/hi/business/3293707.stm>, (last visited May 27, 2005).
Rajan, Raghuram G., and Luigi Zingales. Saving Capitalism from the Capitalists. (2003).
Rakoff, Todd: “Contracts of Adhesion: An Essay In Reconstruction.” Harvard Law Review: 96 (1983): 1174.
Ramstack, Tom: “Fees Put Squeeze on Credit Cards.” Washington Times: (4 July 2005): A01.
“RBA: Gresham's Law of Payments.” Cards International: 337 (2005): 10.
Rea, Jr., Samuel A.: “Arm-Breaking, Consumer Credit and Personal Bankruptcy.” Econ. Inquiry: 22 (1984): 188.
“Regulators Tighten South Korea's Belt.” Cards International: 290 (2003).
Reserve Bank of Australia, Reform of Credit Card Schemes in Australia: Final Reforms and Regulatory Impact Statement. (Aug. 2002).
Restatement of Contracts (Second).
Reynolds, Isabel: “Glimmer of Hope for Japan's Card Fraud Victims.” Reuters: (21 Feb. 2005).
Riestra, Amparo San José: “Credit Bureaus in Today's Credit Markets.” ECRI Research Report: 4 (Sept. 2002).
“The Risk-Reward Challenge of Credit Cards in the Middle East.” Cards International: 319 (2004): 14.
Ritzer, George. Expressing America. (1995).
Ritzer, George. The Globalization of Nothing. (2004).
Rivlin, Gary: “The Chrome-Shiny, Lights-Flashing, Wheel-Spinning, Touch-Screened, Drew-Carey-Wisecracking, Video-Playing, ‘Sound Events’-Packed, Pulse-Quickening Bandit.” New York Times: (9 May 2004): 42.
Roberts, James A., and Jones, Eli: “Money Attitudes, Credit Card Use, and Compulsive Buying Among American College Students.” J. Consumer Affairs: 35 (2001): 213.
Roe, Mark J. Political Determinants of Corporate Governance: Political Context, Corporate Impact. (2003).
Roe, Mark J. Strong Managers, Weak Owners: The Political Roots of American Corporate Finance. (1994).
Roe, Mark J.: “Backlash.” Colum. L. Rev.: 98 (1998): 217.
Rolfe, Richard: “Europe's Cobranding Boom.” Credit Card Management: (Jan. 2003): 16.
Rosenberg, Arnold: “Better than Cash? Global Proliferation of Payment Cards and Consumer Protection Policy.” Columbia Journal of Transnational Law: 44 (2006): 520.
Sage, William M.: “Regulating Through Information: Disclosure Laws and American Health Care.” Columbia Law Review: 99 (1999): 1701.
Schor, Juliet B. The Overspent American. (1998).
Schuchman, Philip: “Consumer Credit by Adhesion Contracts.” Temple L.Q.: 35 (1962): 125.
Schwartz, Alan, and Wilde, Louis L.: “Imperfect Information in Markets for Contract Terms: The Examples of Warranties and Security Interests.” Virginia. Law Review: 69 (1983): 1387.
Scott, Robert E.: “Error and Rationality in Individual Decisionmaking: An Essay on the Relation Between Cognitive Illusions and the Management of Choices.” Southern California Law Review: 59 (1986): 329.
Segall, Anne: “Retail Banking in Britain: The Neglected Consumer.” The Economist: (Dec. 8 1979): 5.
Shermach, Kelly: “The Vibrant World of Loyalty.” Credit Card Management: (Aug. 2002): 30.
Simmons, Matty. The Credit Card Catastrophe. (1995).
Simon, Herbert A.: “Rationality as Process and as Product of Thought.” Am. Econ. Rev.: (May 1978): 1, 13.
Simon, John: “Payment Systems Are Different: Shouldn't Their Regulation Be Too?,” Rev. Network Econ.: 4 (2005): 364.
Simpson, Burney: “The Case for Easier Redemptions.” Card Management: (Aug. 2004): 13.
Simpson, Burney: “Weathering Severe Turbulence.” Credit Card Management: (May 2003): 14.
“Singaporean Credit Bureau Promotes Positive Data Sharing.” Cards International: 334 (2005): 6.
Slawson, W. David: “Standard Form Contracts and Democratic Control of Lawmaking Power.” Harvard Law Review: 84 (1971): 529, 530.
Slawson, W. David: “The New Meaning of Contract: The Transformation of Contracts Law by Standard Forms.” University of Pittsburgh Law Review: 46 (1984): 21.
“Slovenia – A Small Market with Big Potential.” Cards International: 328 (2004): 12.
“Snap!” The Economist: (10 Jan. 2004).
Soman, Dilip, and Cheema, Amar: “The Effect of Credit on Spending Decisions: The Role of the Credit Limit and Credibility.” Marketing Science: 32 (2002).
“South Korea Takes Action over Credit Debt Crisis.” Cards International: 294/295 (2003): 9.
Srivastava, Joydeep, and Raghubir, Priya: “Debiasing Using Decomposition: The Case of Memory-Based Credit Card Expense Estimates.” J. Consumer Psychology: 12 (2002): 253.
Standard Contracts Law (Isr.) 1964, 18 L.S.I. 51 (1963–1964).
Staten, Michael E., and Cate, Fred H.: “The Impact of Opt-in Privacy Rules on Retail Credit Markets: A Case Study of MBNA.” Duke Law Journal: 52 (2003): 745.
Stavins, Joanna: “Credit Card Borrowing, Delinquency, and Personal Bankruptcy.” New England Economic Review: (July/Aug. 2000).
Stephenson, Graham. Credit, Debit & Cheque Cards: Law & Practice. (1993).
Sternlight, Jean: “Creeping Mandatory Arbitration: Is It Just?” Stanford Law Review: 57 (2005): 1631.
Strong, Howard. What Every Credit Card User Needs to Know: How To Protect Yourself and Your Money. (1999).
Sullivan, Teresa, Elizabeth Warren, and Jay Lawrence Westbrook. The Fragile Middle Class. (2000).
Sunstein, Cass R.: “Boundedly Rational Borrowing.” University of Chicago Law Review: 73 (2006): 249.
Sunstein, Cass R.: “Group Judgments: Statistical Means, Deliberation, and Information Markets.” New York University Law Review: 80 (2005): 962.
Swartz, Daniel, D. Garcia, Robert W. Hahn, and Anne Layne-Farrar: “The Economics of a Cashless Society: An Analysis of the Costs and Benefits of Payment Instruments.” AEI-Brookings Joint Center for Regulatory Studies, Related Publication 04-24 (Sept. 2004) <http://www.aei-brook-ings.org/publications/abstract.php?pid=853>.
Tabb, Charles J.: “Lessons from the Globalization of Consumer Bankruptcy.” Law & Soc. Inquiry: 30 (2005): 763.
“Taiwan Takes Action over Credit Crunch Fears.” Cards International: 319 (2004): 9.
Thaler, Richard. Quasi-Rational Economics. (1991).
“Turkish Card Growth Accelerates.” Cards International: 321 (2004): 16.
Tversky, Amos, and Kahneman, Daniel: “Availability: A Heuristic for Judging Frequency and Probability.” Cognitive Psychology: 5 (1973): 207.
Tversky, Amos, and Kahneman, Daniel: “Judgment Under Uncertainty: Heuristics and Biases.” Science: 185 (1974): 1124.
UNICRI, Understanding Crime: Experiences of Crime and Crime Control. (1993).
U.S. Department of Commerce, Bureau of Economic Analysis, “Gross Domestic Product First Quarter 2005.” <http://www.bea.doc.gov/bea/newsrelarchive/2005/gdp105a.pdf>.
“US State to Restrict Card Marketing on Campus.” Cards International: 321 (2004): 11.
VandeHei, Jim: “Business Sees Gain in GOP Takeover; Political Allies Push Corporate Agenda.” Washington Post: (27 Mar. 2005): A01.
Warren, Elizabeth, and Amelia Warren Tyagi. The Two-Income Trap: Why Middle-Class Mothers and Fathers Are Broke. (2003)
Warren, Elizabeth, and Westbrook, Jay L.: “Contracting out of Bankruptcy: An Empirical Intervention.” Harvard Law Review: 118 (2005): 1197.
Warren, Elizabeth: “The Phantom $400.” J. Bankr. L. & Pr.: 13 (2004).
Wax, Amy L.: “Bargaining in the Shadow of the Market: Is There a Future for Egalitarian Marriage?” Va. L. Rev.: 84 (1998): 509.
Weiner, Stuart E., Stuart, E. & Wright, Julian: “Interchange Fees in Various Countries: Developments and Determinants.” Rev. Network Econ.: 4 (2005): 290.
Weinstein, Neil D.: “Unrealistic Optimism About Future Life Events.” J. Personality & Soc. Psychol.: 39 (1980): 806.
West, Mark D.: Law in Everyday Japan: Sex, Sumo, Suicide, and Statutes. (2005).
Westbrook, Jay: “Local Legal Culture and the Fear of Abuse.” American Bankr. Inst. L. Rev.: 6 (1998): 25.
White, Alan M., and Lesser Mansfield, Cathy: “Literacy and Contract.” Stan. L. & Pol'y Rev: 13 (2002): 233.
White, James J.: “Autistic Contracts.” Wayne Law Review: 45 (2000): 1693, 1700–01.
White, James J.: “Contracting Under Amended 2–207.” Wisconsin Law Review: 2004: 723.
White, James J.: “Form Contracts Under Revised Article 2.” Wash. U.L.Q.: 75 (1997): 315.
White, James J.: “The Usury Trompe L'Oeil.” S.C. L. Rev.: 51 (2000): 445.
White, Michelle J. Personal Bankruptcy: Insurance, Work Effort, Opportunism and the Efficiency of the ‘Fresh Start.’ (unpublished 2005 manuscript) <http://econ.ucsd.edu/~miwhite/>.
White, Michelle J.: “Why Don't More Households File for Bankruptcy?” J.L. Econ. & Org'n: 14 (1998): 205.
White, Michelle J.: “Why It Pays to File for Bankruptcy: A Critical Look at Incentives Under U.S. Bankruptcy Laws and a Proposal for Change.” University of Chicago Law Review 65 (1998): 685.
White, Robert: “The Impact of Australia's Credit Card Reform on the Nation's Payment Value Chain.” (Aug. 2004 white paper) <http://www.edgardunn.com>.
Wilson, A. N.: The Laird of Abbotsford. (1980).
Wolf, Martin.: Why Globalization Works. (2004).
Wolters, Timothy: “Carry Your Credit in Your Pocket: The Early History of the Credit Card at Bank of America and Chase Manhattan.” Enterprise & Society: 1 (2000): 315.
Worthington, Steve: “Down Under.” Eur. Card Rev.: (Jan./Feb. 2005): 16.
“Your Debit Card Is the Key To Protecting Your Money.” USA Today: (5 Oct. 1999): 14A.
Ziegel, Jacob S. Comparative Consumer Insolvency Regimes: A Canadian Perspective. (2003).
Zinman, Jonathan: “Debit or Credit?.” (Oct. 2005), available at http://www.dartmouth.edu/~jzinman.
Zywicki, Todd J.: “An Economic Analysis of the Consumer Bankruptcy Crisis.” Northwestern University Law Review: 99 (2005): 1463.
Zywicki, Todd J.: “Testimony Presented to the Judiciary Committee of the United States on Bankruptcy Reform.” (10 Feb. 2005).
Zywicki, Todd J.: “The Economics of Credit Cards.” Chapman L. Rev.: 3 (2000): 79.
