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	MONOGRAPHS
#	Title			Download
37	Consumer Use of Tax Refund Anticipation Loans
36	The Impact of Credit Counseling on Subsequent Borrower Credit Usage and Payment Behavior
35	Payday Advance Credit in America: An Analysis of Customer Demand
34	Pawnbroking in the U.S.: A Profile of Customers
33	Personal Bankruptcy: A report on Petitioners' Ability-To-Pay
32	Demographic Factors Affecting Consumer Installment Lending, 1990-2020
31	The Case for Deregulating Interest Rates on Consumer Credit
30	Credit Insurance: Rhetoric and Reality
29	The Impact of Waiving Finance Charges on Debt Plans at Consumer Credit Counseling Services
28	Theory and Evidence of the Impact of Equal Credit Opportunity: An Agnostic Review of the Literature
27	Prices of Consumer Credit in the Absence of Rate Ceilings: An Update
26	Indexing Consumer Credit Rate Ceilings
25	Prices of Consumer Credit in the Absence of Rate Ceiling
24	Vol. II: Personal Bankruptcy: Causes, Costs and Benefits
23	Vol. I: Consumers' Right to Bankruptcy: Origins and Effects
22	CRC 1979 Consumer Financial Survey
21	Consumer Financial Data Sources
20	Sales Finance Companies: CRC 1979 Creditors Survey
19	Retailers: CRC 1979 Creditors Survey
18	Consumer Finance Companies: CRC 1979 Creditors Survey
17	Commercial Banks: CRC 1979 Creditors Survey
16	Savings and Loan Associations: CRC 1979 Creditors Survey
15	Credit Unions: CRC 1979 Creditors Survey
14	An Economic Analysis of the "Due on Sale" Clause in the California Mortgage Market
13	Consumer Perception of Credit Insurance on Retail Purchase
12	Cost/Benefit Analysis of Creditors' Remedies
11
10	The Impact of Regulation on the Provision of Consumer Financial Services by Depository Institutions: Research Background and Needs
9
8	A Compilation of Federal and State Laws Regulating Consumer Financial Services
7	A Bibliography of Consumer Financial Services and Regulation. Vol. I; and Indexes, Vol. II
6	A Thesaurus of Terms in Mortgage and Consumer Credit
5	Mortgage Banking 1963-1972: A Financial Intermediary in Transition
4	An Economic Report on Consumer Lending in Texas
3	Research Topics in Mortgage Markets: Proceedings of a Seminar
2	Credit Policies and Store Locations in Arkansas Border Cities: Merchant Reactions to a Ten Percent Finance Charge Ceiling
1	An Empirical Analysis of Retail Revolving Credit

	WORKING PAPERS
#	Title			Download
67	The Impact of National Credit Reporting Under the Fair Credit Reporting Act: The Risk of New Restrictions and State Regulation
66	Regulation of Subprime Mortgage Products:  An Analysis of North Carolina's Predatory Lending Laws
65	College Student Credit Card Usage
64	An Empirical Evaluation of the Content and Cycle of Financial Reporting: The Case of Consumer Credit
63	The Impact of Casino Gambling on Personal Bankruptcy Filing Rates
62	The Impact of Opt-In Privacy Rules on Retail Credit Markets:  A Case Study of MBNA
61	The Impact of The Federal Reserve Board's Proposed Revisions to HOEPA on the Number and Characteristics of HOEPA Loans
60	Plastic Choices: Consumer Usage of Third Party vs. Proprietary Credit in Retail Stores vs. Gasoline Outlets
59	The Cost Structure of the Consumer Finance Industry
58	The Impact of Post-Bankruptcy Credit on the Number of Personal Bankruptcies
57	Discounts for Cash in Retail Gasoline Marketing
56	Information Costs and the Organization of Credit Markets: A Theory of Indirect Lending
55	Economic Factors Associated With Delinquency Rates on Consumer Installment Debt
54	Shopping for Consumer Credit: Implications for Market Efficiency
53	Liquid Assets and Consumer Credit on the Household Balance Sheet
52	Economic and Demographic Factors Associated With Consumer Debt Use
51	Consumers' Choice of Consumer Loan Contract Terms
50	The Behavior of Consumer Loan Rates Charged by Commercial Banks
49	Social Efficiency of the Bankruptcy Reform Act of 1978 with Regard to Personal Bankruptcy
48	Legal Aspects of Variable Rate Financing
47	Economic Factors Associated with Personal Bankruptcy
46	Applications of Performance Scoring to Accounts Receivable Management in Consumer Credit
45	The Role of Education Debt in Consumer's Total Debt Structure
44	Asset Exemptions and Propensity to File Personal Bankruptcy
43	Second Mortgage Survey 1981
42	Consumer Use of Mortgage Credit
41	Costs and Benefits of Restrictions on Creditors' Remedies
40	Impact of Ten Percent Usury Ceiling: Empirical Evidence
39	Second Mortgage Survey, 1980
38	Effects of Consumer Loan Rate Ceilings on Competition Between Banks and Finance Companies
37	Household Financial Behavior: Implications for Consumer Spending
36	Evidence of the Effect of Restrictive Loan Rate Ceilings on Prices of Consumer Financial Services
35	Restrictive Effects of Rate Ceilings on Consumer Choice: The Massachusetts Experience
34	Value Pricing of Bank Card Services
33	Second Mortgage Survey, 1979
32	The Response of Commercial Banks to Rate Ceilings and Restrictions on Remedies on Consumer Credit Contracts
31	Rates of Return on GNMA Securities: The Cost of Mortgage Funds
30	Accelerating Inflation and the Distribution of Household Savings Incentives
29	The Transfer Implications of Consumer Credit Regulation
28	An Investigation of Sex Discrimination in Commercial Banks' Direct Consumer Lending
27	Mobile Home Demand and Sources of Financing
26	Consumer Perceptions of Credit Bureaus
25	Junior Mortgage Financing and Other Borrowing Against Inflated Housing Equity
24	The Community Reinvestment Act of 1977: Its Legislative History and its Impact on Applications for Changes in Structure Made by Depository Institutions to the Four Federal Financial Supervisory Agencies
23
22	An Economic Analysis of Electronic Funds Transfer System: The Theory of Credit Markets
21	Bank and Retail Credit Card Yields Under Alternative Assessment Methods
20	Banks Lending Response to Restricted Creditor Remedies
19	Testing for Sex Discrimination in Commercial Bank Consumer Lending
18	Problems in Applying Discriminant Analysis In Credit Scoring Models
17	Occupational Employment Variations in Commercial Bank Consumer Credit Risk
16
15	The Impact of Creditors' Remedies on Consumer Loan Charges
14	Creditor Remedy Restrictions and Interstate Differences in Personal Loan Rates and Availability: A Supplementary Analysis
13	Changes in Finance Company Personal Loan Policies Following Enactment of the Wisconsin Consumer Act
12	The Impact of Restricted Creditors' Remedies on Automobile Finance Companies in Wisconsin
11	Commercial Bank Consumer Loan Refinancing
10	Regulatory Influence on Commercial Bank Personal Loan Rates
9	Competition Between Banks and Finance Companies: A Cross Section Study of Personal Loan Debtors
8	Discrimination on the Basis of Sex Under the Equal Credit Opportunity Act
7	Personal Loan Cash Flows at Finance Companies
6	Determinants of Commercial Bank Automobile Loan Rates
5	Delinquency Rates on Consumer and Mortgage Debt: Their Determinants and Impact
4	The Effect of Alternative Billing Methods upon Retail Revolving Credit Yields
3	Impact of General Credit Restraint on Consumer Installment Credit Flows
2	EFTS and Consumer Credit (Revised)
1	The Use of Department Store Revolving Credit: Account Use Patterns, Customer Profitability, the Value of Revolving Credit and the Probable Incidence of Credit Rationing

	REPRINTS
#	Title			Download
32	The Impact of Casino Gambling on Personal Bankruptcy Filing Rates
31	Plastic Choices: Consumer Usage of Bank Cards versus Proprietary Credit Cards
30	The Cost of Implementing Regulatory Changes: The Truth in Savings Act
29	Monitoring the Household Sector with Aggregate Credit Bureau Data
28	Strength in Numbers: Aggregate Credit Bureau Data Benefit Portfolio Management
27	Debit, Credit, or Cash: Survey Evidence on Gasoline Purchases
26	The Cost Structure of the Consumer Finance Industry
25	Theory and Evidence of the Impact of Equal Credit Opportunity: An Agnostic Review of the Literature
24	Coercion in the Selling of Credit Life Insurance
23	Discounts for Cash in Retail Gasoline Marketing
22	An Economic Perspective on Interest Rate Limitations
21	Consumer Debt: Myths About the Impact of the Recession
20	Information Costs and the Organization of Credit Markets: A Theory of Indirect Lending
19	Deregulation, Tax Reform, and the Use of Consumer Credit
18	The Consumer Bankruptcy Problem: Causes and Cures
17	Adjustable Rate Consumer Loans: A Trade-Off
16	An Investigation of Sex Discrimination in Commercial Banks' Direct Consumer Lending
15	Segmentation of the Consumer Loan Market
14	Economic Effects of Graduated Rate Ceilings on Revolving Credit
13	The Costs of Consumer Credit Regulation
12	Pricing of Bank Card Services
11	A Close Look at Credit Unions
10	The Equal Credit Opportunity Act of 1974: A Cost/Benefit Analysis
9	Price Distortion Induced by the Revenue Structure of Federally-Sponsored Mortgage Loan Programs
8	Factors Affecting the Growth of Bank Credit Card and Check Credit
7	Mortgage Company Bids on the GNMA Auction, 1977
6	The Impact of General Credit Restraint on the Supply of Commercial Bank Consumer Installment Credit
5	Valuation of a Mortgage Company's Servicing Portfolio
4	Credit Screening System Selection
3	Subsidies in the Use of Revolving Credit
2	The Rationale for Acquisition of Finance Companies by Bank Holding Companies
1	Evaluation Model Can Maximize Single-Family Servicing Profits