Regulatory Change and the New Consumer Banking Relationship

Date: December 22, 2010
Pages: 166
Price:
US$ 3,750.00
Publisher: Packaged Facts
Report type: Strategic Report
Delivery: E-mail Delivery (PDF)
ID: RA1681F4A25EN
Leaflet:

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Regulatory Change and the New Consumer Banking Relationship
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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.
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?
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