Reportlinker Adds Regulatory Change and the New Consumer Banking Relationship

Dec 07, 2010, 07:05 ET from Reportlinker

NEW YORK, Dec. 7, 2010 /PRNewswire/ -- Reportlinker.com announces that a new market research report is available in its catalogue:

Regulatory Change and the New Consumer Banking Relationship

http://www.reportlinker.com/p0335791/Regulatory-Change-and-the-New-Consumer-Banking-Relationship.html

Driven by confluence of recession-induced changes, 2010 brings a perfect storm to the card industry: deteriorated credit quality, consumer credit pullback, shrinking credit card portfolios, and sweeping regulatory change. The CARD Act and the Dodd-Frank Act are reshaping both ends of the consumer banking relationship, as industry participants retool their consumer card and banking strategies, and as consumers adapt their banking and card preferences, attitudes and usage patterns as the recession continues.

Packaged Facts' Regulatory Change & The New Consumer Card & Banking Relationship is necessary reading for industry participants navigating the effect these sweeping regulations are having on their credit card, debit card, gift card and consumer banking strategies. In emphasizing a trend-forward philosophy, the report also assists in viewing the impact of these regulations into 2011 and 2012.

The report breaks down relevant regulations and their impact on the market, in part by trending important industry metrics (such as interest rates, fees, and penalties) in detail. To help gauge the effect and future ramifications on the consumer, Packaged Facts conducts "Regulatory Impact and Trend Forecasting" on three groups significantly affected by the regulations: Echo Boomers, The Affluent, and The Debt-Burdened. "Regulatory Response and Strategy Profiles" of the top 10 card issuers help gauge industry responses and strategies.

Table of Contents

Chapter 1 Executive Summary

Chapter 2 Regulatory Analysis and Impact

Overview

CARD Act

Key provisions

Impact of provisions

Regulation E

Key provisions

Impact of provisions

Dodd-Frank Act

Key provisions

Durbin Amendment

Impact of Durbin Amendment

Consumer Financial Protection Agency

Impact of Consumer Financial Protection Agency

Chapter 3 Macroeconomic and Credit Trends

Macroeconomic overview

Unemployment rate trends

Bankruptcy trends

Household net worth trends

Consumer credit overview

Consumer credit and home mortgage debt rates

Closed-end loans, credit lines & cash out refinancings

Debt service ratios

Revolving credit trends

Charge-off rates

Card lending policies

Consumer payments overview

Credit, debit, cash and check usage trends, by point of sale, 2007-2009.1

Credit and debit card usage and transaction trends

Chapter 4 Trend Analysis: Affected Revenue Generation

Overview

Credit cards

Interest rate analysis

Purchase rates

Cash advance rates

Promotional rates

Deferred interest

Penalty analysis

Late fees

Over-limit fees

Rewards penalties

Fee analysis

Annual fees

Cash advance fees

Overdraft advance fees

Debit cards

Interchange fee analysis

Consumer banking

Minimum balance requirements

Overdraft protection

Chapter 5 Regulatory Response and Strategy Profiles

Overview

Bottom Line Effect on Banks: Regulation E, CARD Act, and Durbin

Amendment

Top U.S. Credit Card Issuers

Regulatory Response and Strategy Profiles

American Express

Impact

Response

Going forward

JP Morgan

Impact

Response

Going forward

Bank of America

Impact

Response

Going forward

Citigroup

Impact

Response

Going forward

Capital One Financial

Impact

Response

Going forward

Discover

Impact

Response

Going forward

US Bank

Impact

Response

Going forward

Wells Fargo

Impact

Response

Going forward

HSBC Bank

Impact

Response

Going forward

Barclays

Impact

Response

Going forward

Chapter 6 Regulatory Impact and Trend Forecasting: Echo Boomers

Overview

Population forecast

Disposable income trends

Employment and graduation trends

Payment preference overview and rationale

Debt assessment & economic outlook

Credit and debit card usage trends: 2006-10

Attitude assessment: finance & risk

Application: CARD Act prohibition

Application: "Independent means"

Broader implications of debit use

Key credit card and debit card innovations geared to Echo Boomers

Chapter 7 Regulatory Impact and Trend Forecasting: High-Debt Holders

Overview

Application: CARD Act & Regulation E

Who's got debt?

Debt assessment by population/demographic

Debt-to-income ratios

Charge-off rates

Credit and debit card usage trends: 2006-10

Broader implications for payment use: less credit, more debit and prepaid

Key credit, debit and prepaid innovations geared to debt-burdened consumers

Chapter 8 Regulatory Impact and Trend Forecasting: The Affluent

Overview

Application: CARD Act & Regulation E

Definition of mass affluent

Mass affluent population estimate and forecast

Demographic trends, by HH assets

Demographic trends, degree of banking tools and services engagement

Payment preference overview and rationale

Debt assessment & economic outlook

Attitude assessment: finance & risk

Card usage trends: 2006-10

CARD Act prohibition: detailed analysis

The winners?

To order this report:

Banking Industry: Regulatory Change and the New Consumer Banking Relationship

Banking Business News

More  Market Research Report

Check our  Company Profile, SWOT and Revenue Analysis!

CONTACT:  

Nicolas Bombourg

Reportlinker

Email: nbo@reportlinker.com

US: (805)652-2626

Intl: +1 805-652-2626



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