Skip to main content Accessibility help
×
Hostname: page-component-788cddb947-55tpx Total loading time: 0 Render date: 2024-10-19T15:15:40.996Z Has data issue: false hasContentIssue false

Bibliography

Published online by Cambridge University Press:  06 July 2010

Ronald J. Mann
Affiliation:
University of Texas School of Law
Get access
Type
Chapter
Information
Charging Ahead
The Growth and Regulation of Payment Card Markets around the World
, pp. 271 - 288
Publisher: Cambridge University Press
Print publication year: 2006

Access options

Get access to the full version of this content by using one of the access options below. (Log in options will check for institutional or personal access. Content may require purchase if you do not have access.)

References

Badie v. Bank of America, 79 Cal. Rptr. 2d 273 (Ct. App. 1998).
Bank One Chicago, N.A. v. Midwest Bank & Trust Co., 516 U.S. 264, 266 (1996).
Broadway Nat'l Bank v. Barton-Russell Corp., 585 N.Y.S.2d 933, 938 (Sup. Ct. 1992).
Carnival Cruise Lines, Inc. v. Shute, 499 U.S. 585, 594 (1991).
Cie v. Comdata Network, Inc., 656 NE2d 123 (Ill. Ct. App. 1995).
Discover Bank v. Boehr, 30 Cal. Rptr. 3d 76 (S. Ct. 2005).
Garber v. Harris Trust & Savings Bank, 104 Ill. App. 3d 675 (1982).
National Bank of Canada v. Interbank Card Association, 507 F. Supp. 1113 (S.D.N.Y. 1980).
Office of Fair Trading v. Lloyds TSB Bank, [2006] EWCA Civ 268 (CA (Civ Div))
Ross v. Bank of America, No. 05 CV 7116 (S.D.N.Y.).
Rossman v. Fleet Bank Nat'l Ass'n, 280 F.3d 384 (3d Cir. 2002).
Shea v. Household Bank, 105 Cal. App. 4th 85 (2003).
Strand v. U.S. Bank Nat'l Ass'n ND, 693 N.W.2d 918 (N.D. 2005).
Weems v. United States, 217 U.S. 349 (1910).
Bankruptcy Abuse Prevention and Consumer Protection Act of 2005.
Fair and Accurate Credit Transactions Act of 2003.
EFTA §909.
TILA §132.
TILA §133.
TILA §161.
TILA §170.
15 U.S.C. §1637.
15 U.S.C. §§1681 et seq.
31 U.S.C. §5103.
12 CFR §205.9(a).
12 CFR 226.1 et seq.
12 CFR 226.5.
12 CFR §226.5a.
12 CFR 226.6.
12 CFR §226.7.
12 CFR §226.9(c)(1).
16 CFR Part 435.
Bankruptcy Fairness Act, S. 329, 109th Cong.
Billionaire's Loophole Elimination Act, H.R. 1278, 109th Cong.
Consumer Credit Card Protection Act of 2005, H.R. 3492, 109th Cong., 1st Sess., §2.
Credit CARD Act of 2005, S. 499, 109th Cong.
Medical Bills Interest Rate Relief Act, H.R. 1238, 109th Cong.
Annex to Unfair Terms Directive ¶¶ 1(j), 1(q).
Consumer Credit Act §75.
Cost of Borrowing Regulations §12.
Council Directive 93/13/EEC of 5 April 1993 on Unfair Terms in Consumer Contracts.
Data Protection Directive arts. 7, 15.
European Commission Decision of 24 July 2002. (Case No. COMP/29.373).
European Commission Decision of 9 August 2001. (Case No. COMP/29.373).
Insolvency Act 1986 §279 (as amended by Enterprise Act 2002 §256).
Office of Fair Trading, “MasterCard Interchange Fees: Preliminary Conclusions.” (Feb. 2003).
“Oral Evidence Taken Before a Treasury Select Committee of the United Kingdom Parliament.” (16 Oct. 2003) <http://www.parliament.the-stationery-office.co.uk/pa/cm200203/cmselect/cmtreasy/uc962-v/uc96202.htm>.
Proposal for a Directive of the European Parliament and of the Council on the Harmonization of the Law, Regulations and Administrative Provisions of the Member States Concerning Credit for Consumers. COM (2002) 443, (Sept. 11, 2002).
Ark. Code Ann. §§4-104-201 et seq.
Calif. Educ. Code §99030.
Del. Code Ann. Tit. 5 §952
Ga. Code Ann. §7-5-4(c).
La. Rev. Stat. Ann. §9:3577.2 et seq.
Mont. Code Ann. §31-1-115.
N.Y. Educ. Law 6437.
Pa. Stat. 24 PS §2301-A.
Tex. Property Code §§92.006, 92.052.
Proposed Consumer Credit Code Amendments, S.B. 252 (Utah 2006)
W. Va. Code §18B-14-10.
Ablott, Matt: “Citibank's Chinese Head-Start.” Cards International: 298 (2003): 10.Google Scholar
Ablott, Matt: “French Banks Accused of Cards Cartel Carve-up.” Cards International: 322 (2004): 3.Google Scholar
Ablott, Matt: “MasterCard and Visa Go Separate Ways on Surcharging.” Cards International: 325 (2004): 10.Google Scholar
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.CrossRefGoogle Scholar
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.CrossRefGoogle ScholarPubMed
Ambrose, Eileen: “Judges Start with Young to Head off Bankruptcy.” Chicago Tribune: (24 Apr. 2005).Google Scholar
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.CrossRefGoogle Scholar
Arnold, Wayne: “Boom Time for Credit in Southeast Asia.” New York Times: (12 Nov. 2004).Google Scholar
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).Google Scholar
Bacchette, Philippe, and Gerlach, Stefan: “Consumption and Credit Constraints: International Evidence.” J. Monetary Econ.: 40 (1997): 207.CrossRefGoogle Scholar
Bank of America 2004 Annual Report.
Bar-Gill, Oren: “Seduction by Plastic.” Northwestern University Law Review: 98 (2004): 1373.Google Scholar
Bar-Gill, Oren: “Consumer Misperceptions and Market Reactions: The Case of Competitive Bundling.” U. Chi. L. Rev. 73 (2006): 33.Google Scholar
Barr, Michael: “Banking the Poor.” Yale J. on Reg.: 21 (2004): 121.Google Scholar
Bates, Larry: “Administrative Regulation of Terms in Form Contracts: A Comparative Analysis of Consumer Protection.” Emory International Law Review: 16 (2002): 1.Google Scholar
Bayot, Jennifer: “Credit Card Lets Democrats Shop with Party Loyalty.” New York Times: (20 Jan. 2004): C8.Google Scholar
Bayot, Jennifer: “Final Pact Approved in Long-Running Debit Card Litigation.” New York Times: (20 Dec. 2003): C4.Google Scholar
Bayot, Jennifer: “MasterCard Settles Case With Retailers Ahead of Trial.” New York Times: (23 Apr. 2003): C1.Google Scholar
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.CrossRefGoogle Scholar
Bernstein, Anita: “For and Against Marriage: A Revision.” Mich. L. Rev.: 102 (2003): 129, 194–95.CrossRefGoogle Scholar
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.Google Scholar
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).Google Scholar
Bounds, Gwendolyn, and Sidel, Robin: “Merchants Balk at Higher Fees for Credit Cards.” Wall Street Journal: (12 Apr. 2005): B1.Google Scholar
Braucher, Jean: “Defining Unfairness: Empathy and Economic Analysis at the Federal Trade Commission.” B.U. L. Rev: 68 (1988): 349.Google Scholar
Brito, Dagobert L., and Hartley, Per R.: “Consumer Rationality and Credit Cards.” J. Pol. Econ. 400: 103 (1995).Google Scholar
Brus, Brian: “Credit Buyers Soaring, Restaurants Swallow Costs To Savor Benefits.” Oklahoma City Journal Record: (14 July 2005).Google Scholar
Buckley, F. H., and Brinig, Margaret F.: “The Bankruptcy Puzzle.” J. Legal Stud.: 27 (1998): 187.CrossRefGoogle Scholar
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.CrossRefGoogle Scholar
“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.Google Scholar
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.CrossRefGoogle Scholar
Chu, Kathy: “Credit Cards Quitting Rate-Bumping Game.” USA Today: (19 Oct. 2005).Google Scholar
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.Google Scholar
Cooter, Robert D., andRubin, Edward L.: “A Theory of Loss Allocation for Consumer Payments.” Texas Law Review: 66 (1987): 63.Google Scholar
Craswell, Richard: “Property Rules and Liability Rules in Unconscionability and Related Doctrines.” University of Chicago Law Review: 60 (1993): 1.CrossRefGoogle Scholar
Crispin, Shawn W.: “Thailand Acts to Slow Down Some Lending.” Wall Street Journal: (25 Mar. 2004): A15.Google Scholar
Croley, Steven P., and Hanson, Jon D.: “Rescuing the Revolution: The Revived Case for Enterprise Liability.” Michigan Law Review: 91 (1993): 683.CrossRefGoogle Scholar
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).Google Scholar
Davis, Jeffrey: “Protecting Consumers from Overdisclosure and Gobbledygook: An Empirical Look at the Simplification of Consumer-Credit Contracts.” Virginia Law Review: 63 (1977).CrossRefGoogle Scholar
Davis, Jeffrey: “Revamping Consumer-Credit Contract Law.” Virginia Law Review: 68 (1982): 1333.CrossRefGoogle Scholar
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.CrossRefGoogle Scholar
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.Google Scholar
Domowitz, Ian, and Sartain, Robert L.: “Determinants of the Consumer Bankruptcy Decision.” Journal of Finance: 54 (1999): 403.CrossRefGoogle Scholar
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.Google Scholar
Eisenberg, Theodore, : “Bankruptcy Law in Perspective.” UCLA L. Rev.: 28 (1981): 953.Google Scholar
ElBoghdady, Dina: “For Some, No Purchase Is Too Small for Plastic.” Washington Post: (23 Feb. 2005): A01.Google Scholar
Elder, Robert: “Payday Lenders Hope Bill Will Reverse Their Fortunes.” Austin American Statesman: (22 Apr. 2005): C1.Google Scholar
Ellis, Diane: “The Effect of Consumer Interest Rate Deregulation on Credit Card Volumes, Charge-offs, and the Personal Bankruptcy Rate.” Bank Trends: (May 1998).Google Scholar
Emmons, William R.: “Consumer-Finance Myths and Other Obstacles to Financial Literacy.” St. Louis University Public Law Review: 24 (2005): 335.Google Scholar
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.CrossRefGoogle Scholar
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).CrossRefGoogle Scholar
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.CrossRefGoogle Scholar
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.CrossRefGoogle Scholar
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.Google Scholar
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.Google Scholar
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).Google Scholar
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.Google Scholar
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.Google Scholar
Garbarine, Rachelle: “Paying Rent by Credit Card, and Dreaming of Waikiki.” New York Times: (29 Dec. 2003): A17.Google Scholar
Gaudio, Arthur R.: “Electronic Real Estate Records: A Model for Action.” W. New Eng. L. Rev.: 24 (2002): 271.Google Scholar
Georgakopoulos, Nicholas L.: “Bankruptcy Law for Productivity.” Wake Forest L. Rev.: 37 (2002): 51.Google Scholar
Geva, Benjamin: “Consumer Liability in Unauthorized Electronic Funds Transfers.” Canadian Business Law Journal: 38 (2003): 207.Google Scholar
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.CrossRefGoogle Scholar
Gillette, Clayton: “Rolling Contracts as an Agency Problem.” Wisconsin Law Review: 679 (2004).Google Scholar
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).Google Scholar
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.Google Scholar
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.CrossRefGoogle Scholar
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).Google Scholar
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.Google Scholar
Hanson, Jon D., and Kysar, Douglas A.: “Taking Behavioralism Seriously: Some Evidence of Manipulation.” Harvard Law Review: 112 (1999): 1420.CrossRefGoogle ScholarPubMed
Hanson, Jon D., and Logue, Kyle D.: “The First Party Insurance Externality: An Economic Justification for Enterprise Liability.” Cornell Law Review: 76 (1990): 129.Google Scholar
Hanson, Jon, and Yosifon, David: “The Situational Character: A Critical Realist Perspective on the Human Animal.” Georgetown Law Journal: 93 (2004): 1.Google Scholar
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.CrossRefGoogle Scholar
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.Google Scholar
Hynes, Richard: “Overoptimism and Overborrowing.” BYU L. Rev.: (2004): 127.Google Scholar
Hynes, Richard: “Why (Consumer) Bankruptcy?Ala. L. Rev.: 56 (2004): 121.Google Scholar
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.CrossRefGoogle Scholar
Issacharoff, Samuel, and Delaney, Erin F.: “Credit Card Accountability.” University of Chicago Law Review: 73 (2006): 157.Google Scholar
Jackson, Thomas H.: “The Fresh-Start Policy in Bankruptcy Law.” Harvard Law Review: 98 (1985): 1393.CrossRefGoogle Scholar
Jacoby, Melissa B.: “Does Indebtedness Influence Health? A Preliminary Inquiry.” J.L. Med. & Ethics: 30 (2002): 560.CrossRefGoogle Scholar
Jacoby, Melissa B.: “Rethinking the Debates over Health-Care Financing: Evidence from the Bankruptcy Courts.” New York University Law Review: 76 (2001): 375.Google Scholar
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.CrossRefGoogle Scholar
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.CrossRefGoogle Scholar
Jones, Edith H., and Zywicki, Todd J.: “It's Time for Means-Testing.” Brigham Young Law Review: 177 (1999).Google Scholar
J. P. Morgan Chase 2004 Annual Report.
Kessler, Friedrich: “Contracts of Adhesion – Some Thoughts About Freedom of Contract.” Columbia Law Review: 43 (1943): 629.CrossRefGoogle Scholar
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.Google Scholar
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.Google Scholar
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.Google Scholar
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.CrossRefGoogle Scholar
Kristof, Kathy M.: “Late on One Card? Rates Can Rise on All of Them.” L.A. Times: (7 Aug. 2005): C2.Google Scholar
Kulasekaran, Sivakumar, and Shaffer, Sherrill: “Cost Efficiency Among Credit Card Banks.” J. Econ. & Bus: 54 (2002): 54.CrossRefGoogle Scholar
Laibson, David: “Golden Eggs and Hyperbolic Discounting.” Quarterly Journal of Economics: 112 (1997): 443.CrossRefGoogle Scholar
Lawless, Robert M., and Warren, Elizabeth: “The Myth of the Disappearing Business Bankruptcy:” Calif. L. Rev.: 93 (2005): 743.Google Scholar
Lee, Jinkook, and Hogarth, Jeanne M.: “Relationships Among Information Search Activities When Shopping for a Credit Card.” J. Consumer Affairs: 34 (2000): 330.CrossRefGoogle Scholar
Leff, Arthur Alan: “Contract as Thing.” American University Law Review: 19 (1970): 131.Google Scholar
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.Google Scholar
Lindenmayer, Isabelle: “Fast Food Embraces Cards, Hesitant on Contactless.” American Banker: (4 Aug. 2005).Google Scholar
Lindenmayer, Isabelle: “Warnings of a Downside for Amex in Bank Cards.” American Banker: (22 Mar. 2005).Google Scholar
LoPucki, Lynn: “Common Sense Consumer Bankruptcy.” Am. Bankr. L.J.: 71 (1997): 461.Google Scholar
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.CrossRefGoogle Scholar
Lucas, Peter: “A Big Lift for Loyalty.” Credit Card Management: (June 2002): 26.Google Scholar
Lucas, Peter: “PIN Debit: Grounded, Credit Card Management.” (May 2005): 16.Google Scholar
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.Google Scholar
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.Google Scholar
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.Google Scholar
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.Google Scholar
Mann, Ronald J.: “Regulating Internet Payment Intermediaries.” Texas Law Review: 82 (2004): 681.Google Scholar
Mann, Ronald J.: “Searching for Negotiability in Payment and Credit Systems.” UCLA Law Review: 44 (1997): 951.Google Scholar
Mann, Ronald J.: “Strategy and Force in the Liquidation of Secured Debt.” Michigan Law Review: 96 (1997): 159.CrossRefGoogle Scholar
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.Google Scholar
Martin, Zack: “Still Flying High After All These Years.” Credit Card Management: (Dec. 2001): 50.Google Scholar
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.CrossRefGoogle Scholar
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.Google Scholar
Morbin, Tony: “Chinese to Launch National Credit Bureau in 2005.” Cards International: 325 (2004): 3.Google Scholar
“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.CrossRefGoogle Scholar
Nilson Report.
Norvilitis, Jill M.: “Factors Influencing Level of Credit-Card Debt in College Students.” J. Applied Social Psychology: 33 (2003): 935.CrossRefGoogle Scholar
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.CrossRef
Pagano, Marco, and Jappelli, Tullio: “Information Sharing in Credit Markets.” Journal of Finance: 48 (1993): 1693.CrossRefGoogle Scholar
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.CrossRefGoogle Scholar
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.CrossRefGoogle Scholar
Providian 2004 Annual Report.
Punch, Linda: “Getting Tough?Credit Card Management: (Feb. 2005): 42.Google Scholar
Punch, Linda: “The Cash-Rebate Card, Part II.” Credit Card Management: (Oct. 2002): 54.Google Scholar
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.CrossRefGoogle Scholar
Ramstack, Tom: “Fees Put Squeeze on Credit Cards.” Washington Times: (4 July 2005): A01.Google Scholar
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.Google Scholar
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).Google Scholar
Riestra, Amparo San José: “Credit Bureaus in Today's Credit Markets.” ECRI Research Report: 4 (Sept. 2002).Google Scholar
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.Google Scholar
Roberts, James A., and Jones, Eli: “Money Attitudes, Credit Card Use, and Compulsive Buying Among American College Students.” J. Consumer Affairs: 35 (2001): 213.CrossRefGoogle Scholar
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.Google Scholar
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.CrossRefGoogle ScholarPubMed
Schor, Juliet B. The Overspent American. (1998).
Schuchman, Philip: “Consumer Credit by Adhesion Contracts.” Temple L.Q.: 35 (1962): 125.Google Scholar
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.CrossRefGoogle Scholar
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.Google Scholar
Segall, Anne: “Retail Banking in Britain: The Neglected Consumer.” The Economist: (Dec. 8 1979): 5.Google Scholar
Shermach, Kelly: “The Vibrant World of Loyalty.” Credit Card Management: (Aug. 2002): 30.Google Scholar
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.Google Scholar
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.Google Scholar
Simpson, Burney: “Weathering Severe Turbulence.” Credit Card Management: (May 2003): 14.Google Scholar
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.CrossRefGoogle Scholar
Slawson, W. David: “The New Meaning of Contract: The Transformation of Contracts Law by Standard Forms.” University of Pittsburgh Law Review: 46 (1984): 21.Google Scholar
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).Google Scholar
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.CrossRefGoogle Scholar
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.Google Scholar
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.Google Scholar
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.Google Scholar
Sunstein, Cass R.: “Group Judgments: Statistical Means, Deliberation, and Information Markets.” New York University Law Review: 80 (2005): 962.Google Scholar
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.CrossRef
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.CrossRefGoogle Scholar
Tversky, Amos, and Kahneman, Daniel: “Judgment Under Uncertainty: Heuristics and Biases.” Science: 185 (1974): 1124.CrossRefGoogle ScholarPubMed
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.Google Scholar
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.Google Scholar
Warren, Elizabeth: “The Phantom $400.” J. Bankr. L. & Pr.: 13 (2004).Google Scholar
Wax, Amy L.: “Bargaining in the Shadow of the Market: Is There a Future for Egalitarian Marriage?Va. L. Rev.: 84 (1998): 509.CrossRefGoogle Scholar
Weiner, Stuart E., Stuart, E. & Wright, Julian: “Interchange Fees in Various Countries: Developments and Determinants.” Rev. Network Econ.: 4 (2005): 290.CrossRefGoogle Scholar
Weinstein, Neil D.: “Unrealistic Optimism About Future Life Events.” J. Personality & Soc. Psychol.: 39 (1980): 806.CrossRefGoogle Scholar
West, Mark D.: Law in Everyday Japan: Sex, Sumo, Suicide, and Statutes. (2005).CrossRef
Westbrook, Jay: “Local Legal Culture and the Fear of Abuse.” American Bankr. Inst. L. Rev.: 6 (1998): 25.Google Scholar
White, Alan M., and Lesser Mansfield, Cathy: “Literacy and Contract.” Stan. L. & Pol'y Rev: 13 (2002): 233.Google Scholar
White, James J.: “Autistic Contracts.” Wayne Law Review: 45 (2000): 1693, 1700–01.Google Scholar
White, James J.: “Contracting Under Amended 2–207.” Wisconsin Law Review: 2004: 723.Google Scholar
White, James J.: “Form Contracts Under Revised Article 2.” Wash. U.L.Q.: 75 (1997): 315.Google Scholar
White, James J.: “The Usury Trompe L'Oeil.” S.C. L. Rev.: 51 (2000): 445.Google Scholar
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.CrossRefGoogle Scholar
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.CrossRefGoogle Scholar
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.Google Scholar
Worthington, Steve: “Down Under.” Eur. Card Rev.: (Jan./Feb. 2005): 16.Google Scholar
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.Google Scholar
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.Google Scholar
http://cgi.money.cnn.com/tools/debtplanner/debtplanner.jsp.
http://www.cardweb.com/carddata/charts/overlimit_fees.amp, (subscription only) (last visited May 27, 2005).
http://www.federalreserve.gov/boarddocs/press/bcreg/2003/20030108/.
http://www.wbs.ac.uk/downloads/research/sme-report-may-2005.cfm.
Badie v. Bank of America, 79 Cal. Rptr. 2d 273 (Ct. App. 1998).
Bank One Chicago, N.A. v. Midwest Bank & Trust Co., 516 U.S. 264, 266 (1996).
Broadway Nat'l Bank v. Barton-Russell Corp., 585 N.Y.S.2d 933, 938 (Sup. Ct. 1992).
Carnival Cruise Lines, Inc. v. Shute, 499 U.S. 585, 594 (1991).
Cie v. Comdata Network, Inc., 656 NE2d 123 (Ill. Ct. App. 1995).
Discover Bank v. Boehr, 30 Cal. Rptr. 3d 76 (S. Ct. 2005).
Garber v. Harris Trust & Savings Bank, 104 Ill. App. 3d 675 (1982).
National Bank of Canada v. Interbank Card Association, 507 F. Supp. 1113 (S.D.N.Y. 1980).
Office of Fair Trading v. Lloyds TSB Bank, [2006] EWCA Civ 268 (CA (Civ Div))
Ross v. Bank of America, No. 05 CV 7116 (S.D.N.Y.).
Rossman v. Fleet Bank Nat'l Ass'n, 280 F.3d 384 (3d Cir. 2002).
Shea v. Household Bank, 105 Cal. App. 4th 85 (2003).
Strand v. U.S. Bank Nat'l Ass'n ND, 693 N.W.2d 918 (N.D. 2005).
Weems v. United States, 217 U.S. 349 (1910).
Bankruptcy Abuse Prevention and Consumer Protection Act of 2005.
Fair and Accurate Credit Transactions Act of 2003.
EFTA §909.
TILA §132.
TILA §133.
TILA §161.
TILA §170.
15 U.S.C. §1637.
15 U.S.C. §§1681 et seq.
31 U.S.C. §5103.
12 CFR §205.9(a).
12 CFR 226.1 et seq.
12 CFR 226.5.
12 CFR §226.5a.
12 CFR 226.6.
12 CFR §226.7.
12 CFR §226.9(c)(1).
16 CFR Part 435.
Bankruptcy Fairness Act, S. 329, 109th Cong.
Billionaire's Loophole Elimination Act, H.R. 1278, 109th Cong.
Consumer Credit Card Protection Act of 2005, H.R. 3492, 109th Cong., 1st Sess., §2.
Credit CARD Act of 2005, S. 499, 109th Cong.
Medical Bills Interest Rate Relief Act, H.R. 1238, 109th Cong.
Annex to Unfair Terms Directive ¶¶ 1(j), 1(q).
Consumer Credit Act §75.
Cost of Borrowing Regulations §12.
Council Directive 93/13/EEC of 5 April 1993 on Unfair Terms in Consumer Contracts.
Data Protection Directive arts. 7, 15.
European Commission Decision of 24 July 2002. (Case No. COMP/29.373).
European Commission Decision of 9 August 2001. (Case No. COMP/29.373).
Insolvency Act 1986 §279 (as amended by Enterprise Act 2002 §256).
Office of Fair Trading, “MasterCard Interchange Fees: Preliminary Conclusions.” (Feb. 2003).
“Oral Evidence Taken Before a Treasury Select Committee of the United Kingdom Parliament.” (16 Oct. 2003) <http://www.parliament.the-stationery-office.co.uk/pa/cm200203/cmselect/cmtreasy/uc962-v/uc96202.htm>.
Proposal for a Directive of the European Parliament and of the Council on the Harmonization of the Law, Regulations and Administrative Provisions of the Member States Concerning Credit for Consumers. COM (2002) 443, (Sept. 11, 2002).
Ark. Code Ann. §§4-104-201 et seq.
Calif. Educ. Code §99030.
Del. Code Ann. Tit. 5 §952
Ga. Code Ann. §7-5-4(c).
La. Rev. Stat. Ann. §9:3577.2 et seq.
Mont. Code Ann. §31-1-115.
N.Y. Educ. Law 6437.
Pa. Stat. 24 PS §2301-A.
Tex. Property Code §§92.006, 92.052.
Proposed Consumer Credit Code Amendments, S.B. 252 (Utah 2006)
W. Va. Code §18B-14-10.
Ablott, Matt: “Citibank's Chinese Head-Start.” Cards International: 298 (2003): 10.Google Scholar
Ablott, Matt: “French Banks Accused of Cards Cartel Carve-up.” Cards International: 322 (2004): 3.Google Scholar
Ablott, Matt: “MasterCard and Visa Go Separate Ways on Surcharging.” Cards International: 325 (2004): 10.Google Scholar
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.CrossRefGoogle Scholar
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.CrossRefGoogle ScholarPubMed
Ambrose, Eileen: “Judges Start with Young to Head off Bankruptcy.” Chicago Tribune: (24 Apr. 2005).Google Scholar
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.CrossRefGoogle Scholar
Arnold, Wayne: “Boom Time for Credit in Southeast Asia.” New York Times: (12 Nov. 2004).Google Scholar
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).Google Scholar
Bacchette, Philippe, and Gerlach, Stefan: “Consumption and Credit Constraints: International Evidence.” J. Monetary Econ.: 40 (1997): 207.CrossRefGoogle Scholar
Bank of America 2004 Annual Report.
Bar-Gill, Oren: “Seduction by Plastic.” Northwestern University Law Review: 98 (2004): 1373.Google Scholar
Bar-Gill, Oren: “Consumer Misperceptions and Market Reactions: The Case of Competitive Bundling.” U. Chi. L. Rev. 73 (2006): 33.Google Scholar
Barr, Michael: “Banking the Poor.” Yale J. on Reg.: 21 (2004): 121.Google Scholar
Bates, Larry: “Administrative Regulation of Terms in Form Contracts: A Comparative Analysis of Consumer Protection.” Emory International Law Review: 16 (2002): 1.Google Scholar
Bayot, Jennifer: “Credit Card Lets Democrats Shop with Party Loyalty.” New York Times: (20 Jan. 2004): C8.Google Scholar
Bayot, Jennifer: “Final Pact Approved in Long-Running Debit Card Litigation.” New York Times: (20 Dec. 2003): C4.Google Scholar
Bayot, Jennifer: “MasterCard Settles Case With Retailers Ahead of Trial.” New York Times: (23 Apr. 2003): C1.Google Scholar
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.CrossRefGoogle Scholar
Bernstein, Anita: “For and Against Marriage: A Revision.” Mich. L. Rev.: 102 (2003): 129, 194–95.CrossRefGoogle Scholar
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.Google Scholar
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).Google Scholar
Bounds, Gwendolyn, and Sidel, Robin: “Merchants Balk at Higher Fees for Credit Cards.” Wall Street Journal: (12 Apr. 2005): B1.Google Scholar
Braucher, Jean: “Defining Unfairness: Empathy and Economic Analysis at the Federal Trade Commission.” B.U. L. Rev: 68 (1988): 349.Google Scholar
Brito, Dagobert L., and Hartley, Per R.: “Consumer Rationality and Credit Cards.” J. Pol. Econ. 400: 103 (1995).Google Scholar
Brus, Brian: “Credit Buyers Soaring, Restaurants Swallow Costs To Savor Benefits.” Oklahoma City Journal Record: (14 July 2005).Google Scholar
Buckley, F. H., and Brinig, Margaret F.: “The Bankruptcy Puzzle.” J. Legal Stud.: 27 (1998): 187.CrossRefGoogle Scholar
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.CrossRefGoogle Scholar
“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.Google Scholar
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.CrossRefGoogle Scholar
Chu, Kathy: “Credit Cards Quitting Rate-Bumping Game.” USA Today: (19 Oct. 2005).Google Scholar
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.Google Scholar
Cooter, Robert D., andRubin, Edward L.: “A Theory of Loss Allocation for Consumer Payments.” Texas Law Review: 66 (1987): 63.Google Scholar
Craswell, Richard: “Property Rules and Liability Rules in Unconscionability and Related Doctrines.” University of Chicago Law Review: 60 (1993): 1.CrossRefGoogle Scholar
Crispin, Shawn W.: “Thailand Acts to Slow Down Some Lending.” Wall Street Journal: (25 Mar. 2004): A15.Google Scholar
Croley, Steven P., and Hanson, Jon D.: “Rescuing the Revolution: The Revived Case for Enterprise Liability.” Michigan Law Review: 91 (1993): 683.CrossRefGoogle Scholar
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).Google Scholar
Davis, Jeffrey: “Protecting Consumers from Overdisclosure and Gobbledygook: An Empirical Look at the Simplification of Consumer-Credit Contracts.” Virginia Law Review: 63 (1977).CrossRefGoogle Scholar
Davis, Jeffrey: “Revamping Consumer-Credit Contract Law.” Virginia Law Review: 68 (1982): 1333.CrossRefGoogle Scholar
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.CrossRefGoogle Scholar
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.Google Scholar
Domowitz, Ian, and Sartain, Robert L.: “Determinants of the Consumer Bankruptcy Decision.” Journal of Finance: 54 (1999): 403.CrossRefGoogle Scholar
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.Google Scholar
Eisenberg, Theodore, : “Bankruptcy Law in Perspective.” UCLA L. Rev.: 28 (1981): 953.Google Scholar
ElBoghdady, Dina: “For Some, No Purchase Is Too Small for Plastic.” Washington Post: (23 Feb. 2005): A01.Google Scholar
Elder, Robert: “Payday Lenders Hope Bill Will Reverse Their Fortunes.” Austin American Statesman: (22 Apr. 2005): C1.Google Scholar
Ellis, Diane: “The Effect of Consumer Interest Rate Deregulation on Credit Card Volumes, Charge-offs, and the Personal Bankruptcy Rate.” Bank Trends: (May 1998).Google Scholar
Emmons, William R.: “Consumer-Finance Myths and Other Obstacles to Financial Literacy.” St. Louis University Public Law Review: 24 (2005): 335.Google Scholar
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.CrossRefGoogle Scholar
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).CrossRefGoogle Scholar
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.CrossRefGoogle Scholar
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.CrossRefGoogle Scholar
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.Google Scholar
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.Google Scholar
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).Google Scholar
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.Google Scholar
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.Google Scholar
Garbarine, Rachelle: “Paying Rent by Credit Card, and Dreaming of Waikiki.” New York Times: (29 Dec. 2003): A17.Google Scholar
Gaudio, Arthur R.: “Electronic Real Estate Records: A Model for Action.” W. New Eng. L. Rev.: 24 (2002): 271.Google Scholar
Georgakopoulos, Nicholas L.: “Bankruptcy Law for Productivity.” Wake Forest L. Rev.: 37 (2002): 51.Google Scholar
Geva, Benjamin: “Consumer Liability in Unauthorized Electronic Funds Transfers.” Canadian Business Law Journal: 38 (2003): 207.Google Scholar
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.CrossRefGoogle Scholar
Gillette, Clayton: “Rolling Contracts as an Agency Problem.” Wisconsin Law Review: 679 (2004).Google Scholar
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).Google Scholar
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.Google Scholar
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.CrossRefGoogle Scholar
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).Google Scholar
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.Google Scholar
Hanson, Jon D., and Kysar, Douglas A.: “Taking Behavioralism Seriously: Some Evidence of Manipulation.” Harvard Law Review: 112 (1999): 1420.CrossRefGoogle ScholarPubMed
Hanson, Jon D., and Logue, Kyle D.: “The First Party Insurance Externality: An Economic Justification for Enterprise Liability.” Cornell Law Review: 76 (1990): 129.Google Scholar
Hanson, Jon, and Yosifon, David: “The Situational Character: A Critical Realist Perspective on the Human Animal.” Georgetown Law Journal: 93 (2004): 1.Google Scholar
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.CrossRefGoogle Scholar
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.Google Scholar
Hynes, Richard: “Overoptimism and Overborrowing.” BYU L. Rev.: (2004): 127.Google Scholar
Hynes, Richard: “Why (Consumer) Bankruptcy?Ala. L. Rev.: 56 (2004): 121.Google Scholar
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.CrossRefGoogle Scholar
Issacharoff, Samuel, and Delaney, Erin F.: “Credit Card Accountability.” University of Chicago Law Review: 73 (2006): 157.Google Scholar
Jackson, Thomas H.: “The Fresh-Start Policy in Bankruptcy Law.” Harvard Law Review: 98 (1985): 1393.CrossRefGoogle Scholar
Jacoby, Melissa B.: “Does Indebtedness Influence Health? A Preliminary Inquiry.” J.L. Med. & Ethics: 30 (2002): 560.CrossRefGoogle Scholar
Jacoby, Melissa B.: “Rethinking the Debates over Health-Care Financing: Evidence from the Bankruptcy Courts.” New York University Law Review: 76 (2001): 375.Google Scholar
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.CrossRefGoogle Scholar
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.CrossRefGoogle Scholar
Jones, Edith H., and Zywicki, Todd J.: “It's Time for Means-Testing.” Brigham Young Law Review: 177 (1999).Google Scholar
J. P. Morgan Chase 2004 Annual Report.
Kessler, Friedrich: “Contracts of Adhesion – Some Thoughts About Freedom of Contract.” Columbia Law Review: 43 (1943): 629.CrossRefGoogle Scholar
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.Google Scholar
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.Google Scholar
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.Google Scholar
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.CrossRefGoogle Scholar
Kristof, Kathy M.: “Late on One Card? Rates Can Rise on All of Them.” L.A. Times: (7 Aug. 2005): C2.Google Scholar
Kulasekaran, Sivakumar, and Shaffer, Sherrill: “Cost Efficiency Among Credit Card Banks.” J. Econ. & Bus: 54 (2002): 54.CrossRefGoogle Scholar
Laibson, David: “Golden Eggs and Hyperbolic Discounting.” Quarterly Journal of Economics: 112 (1997): 443.CrossRefGoogle Scholar
Lawless, Robert M., and Warren, Elizabeth: “The Myth of the Disappearing Business Bankruptcy:” Calif. L. Rev.: 93 (2005): 743.Google Scholar
Lee, Jinkook, and Hogarth, Jeanne M.: “Relationships Among Information Search Activities When Shopping for a Credit Card.” J. Consumer Affairs: 34 (2000): 330.CrossRefGoogle Scholar
Leff, Arthur Alan: “Contract as Thing.” American University Law Review: 19 (1970): 131.Google Scholar
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.Google Scholar
Lindenmayer, Isabelle: “Fast Food Embraces Cards, Hesitant on Contactless.” American Banker: (4 Aug. 2005).Google Scholar
Lindenmayer, Isabelle: “Warnings of a Downside for Amex in Bank Cards.” American Banker: (22 Mar. 2005).Google Scholar
LoPucki, Lynn: “Common Sense Consumer Bankruptcy.” Am. Bankr. L.J.: 71 (1997): 461.Google Scholar
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.CrossRefGoogle Scholar
Lucas, Peter: “A Big Lift for Loyalty.” Credit Card Management: (June 2002): 26.Google Scholar
Lucas, Peter: “PIN Debit: Grounded, Credit Card Management.” (May 2005): 16.Google Scholar
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.Google Scholar
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.Google Scholar
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.Google Scholar
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.Google Scholar
Mann, Ronald J.: “Regulating Internet Payment Intermediaries.” Texas Law Review: 82 (2004): 681.Google Scholar
Mann, Ronald J.: “Searching for Negotiability in Payment and Credit Systems.” UCLA Law Review: 44 (1997): 951.Google Scholar
Mann, Ronald J.: “Strategy and Force in the Liquidation of Secured Debt.” Michigan Law Review: 96 (1997): 159.CrossRefGoogle Scholar
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.Google Scholar
Martin, Zack: “Still Flying High After All These Years.” Credit Card Management: (Dec. 2001): 50.Google Scholar
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.CrossRefGoogle Scholar
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.Google Scholar
Morbin, Tony: “Chinese to Launch National Credit Bureau in 2005.” Cards International: 325 (2004): 3.Google Scholar
“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.CrossRefGoogle Scholar
Nilson Report.
Norvilitis, Jill M.: “Factors Influencing Level of Credit-Card Debt in College Students.” J. Applied Social Psychology: 33 (2003): 935.CrossRefGoogle Scholar
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.CrossRef
Pagano, Marco, and Jappelli, Tullio: “Information Sharing in Credit Markets.” Journal of Finance: 48 (1993): 1693.CrossRefGoogle Scholar
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.CrossRefGoogle Scholar
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.CrossRefGoogle Scholar
Providian 2004 Annual Report.
Punch, Linda: “Getting Tough?Credit Card Management: (Feb. 2005): 42.Google Scholar
Punch, Linda: “The Cash-Rebate Card, Part II.” Credit Card Management: (Oct. 2002): 54.Google Scholar
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.CrossRefGoogle Scholar
Ramstack, Tom: “Fees Put Squeeze on Credit Cards.” Washington Times: (4 July 2005): A01.Google Scholar
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.Google Scholar
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).Google Scholar
Riestra, Amparo San José: “Credit Bureaus in Today's Credit Markets.” ECRI Research Report: 4 (Sept. 2002).Google Scholar
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.Google Scholar
Roberts, James A., and Jones, Eli: “Money Attitudes, Credit Card Use, and Compulsive Buying Among American College Students.” J. Consumer Affairs: 35 (2001): 213.CrossRefGoogle Scholar
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.Google Scholar
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.CrossRefGoogle ScholarPubMed
Schor, Juliet B. The Overspent American. (1998).
Schuchman, Philip: “Consumer Credit by Adhesion Contracts.” Temple L.Q.: 35 (1962): 125.Google Scholar
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.CrossRefGoogle Scholar
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.Google Scholar
Segall, Anne: “Retail Banking in Britain: The Neglected Consumer.” The Economist: (Dec. 8 1979): 5.Google Scholar
Shermach, Kelly: “The Vibrant World of Loyalty.” Credit Card Management: (Aug. 2002): 30.Google Scholar
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.Google Scholar
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.Google Scholar
Simpson, Burney: “Weathering Severe Turbulence.” Credit Card Management: (May 2003): 14.Google Scholar
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.CrossRefGoogle Scholar
Slawson, W. David: “The New Meaning of Contract: The Transformation of Contracts Law by Standard Forms.” University of Pittsburgh Law Review: 46 (1984): 21.Google Scholar
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).Google Scholar
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.CrossRefGoogle Scholar
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.Google Scholar
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.Google Scholar
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.Google Scholar
Sunstein, Cass R.: “Group Judgments: Statistical Means, Deliberation, and Information Markets.” New York University Law Review: 80 (2005): 962.Google Scholar
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.CrossRef
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.CrossRefGoogle Scholar
Tversky, Amos, and Kahneman, Daniel: “Judgment Under Uncertainty: Heuristics and Biases.” Science: 185 (1974): 1124.CrossRefGoogle ScholarPubMed
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.Google Scholar
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.Google Scholar
Warren, Elizabeth: “The Phantom $400.” J. Bankr. L. & Pr.: 13 (2004).Google Scholar
Wax, Amy L.: “Bargaining in the Shadow of the Market: Is There a Future for Egalitarian Marriage?Va. L. Rev.: 84 (1998): 509.CrossRefGoogle Scholar
Weiner, Stuart E., Stuart, E. & Wright, Julian: “Interchange Fees in Various Countries: Developments and Determinants.” Rev. Network Econ.: 4 (2005): 290.CrossRefGoogle Scholar
Weinstein, Neil D.: “Unrealistic Optimism About Future Life Events.” J. Personality & Soc. Psychol.: 39 (1980): 806.CrossRefGoogle Scholar
West, Mark D.: Law in Everyday Japan: Sex, Sumo, Suicide, and Statutes. (2005).CrossRef
Westbrook, Jay: “Local Legal Culture and the Fear of Abuse.” American Bankr. Inst. L. Rev.: 6 (1998): 25.Google Scholar
White, Alan M., and Lesser Mansfield, Cathy: “Literacy and Contract.” Stan. L. & Pol'y Rev: 13 (2002): 233.Google Scholar
White, James J.: “Autistic Contracts.” Wayne Law Review: 45 (2000): 1693, 1700–01.Google Scholar
White, James J.: “Contracting Under Amended 2–207.” Wisconsin Law Review: 2004: 723.Google Scholar
White, James J.: “Form Contracts Under Revised Article 2.” Wash. U.L.Q.: 75 (1997): 315.Google Scholar
White, James J.: “The Usury Trompe L'Oeil.” S.C. L. Rev.: 51 (2000): 445.Google Scholar
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.CrossRefGoogle Scholar
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.CrossRefGoogle Scholar
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.Google Scholar
Worthington, Steve: “Down Under.” Eur. Card Rev.: (Jan./Feb. 2005): 16.Google Scholar
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.Google Scholar
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.Google Scholar
http://cgi.money.cnn.com/tools/debtplanner/debtplanner.jsp.
http://www.cardweb.com/carddata/charts/overlimit_fees.amp, (subscription only) (last visited May 27, 2005).
http://www.federalreserve.gov/boarddocs/press/bcreg/2003/20030108/.
http://www.wbs.ac.uk/downloads/research/sme-report-may-2005.cfm.

Save book to Kindle

To save this book to your Kindle, first ensure coreplatform@cambridge.org is added to your Approved Personal Document E-mail List under your Personal Document Settings on the Manage Your Content and Devices page of your Amazon account. Then enter the ‘name’ part of your Kindle email address below. Find out more about saving to your Kindle.

Note you can select to save to either the @free.kindle.com or @kindle.com variations. ‘@free.kindle.com’ emails are free but can only be saved to your device when it is connected to wi-fi. ‘@kindle.com’ emails can be delivered even when you are not connected to wi-fi, but note that service fees apply.

Find out more about the Kindle Personal Document Service.

  • Bibliography
  • Ronald J. Mann
  • Book: Charging Ahead
  • Online publication: 06 July 2010
  • Chapter DOI: https://doi.org/10.1017/CBO9780511754227.026
Available formats
×

Save book to Dropbox

To save content items to your account, please confirm that you agree to abide by our usage policies. If this is the first time you use this feature, you will be asked to authorise Cambridge Core to connect with your account. Find out more about saving content to Dropbox.

  • Bibliography
  • Ronald J. Mann
  • Book: Charging Ahead
  • Online publication: 06 July 2010
  • Chapter DOI: https://doi.org/10.1017/CBO9780511754227.026
Available formats
×

Save book to Google Drive

To save content items to your account, please confirm that you agree to abide by our usage policies. If this is the first time you use this feature, you will be asked to authorise Cambridge Core to connect with your account. Find out more about saving content to Google Drive.

  • Bibliography
  • Ronald J. Mann
  • Book: Charging Ahead
  • Online publication: 06 July 2010
  • Chapter DOI: https://doi.org/10.1017/CBO9780511754227.026
Available formats
×