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The Competitive Impact of Disclosure Requirements in the Credit Card Industry

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Author Info
Shaffer, Sherrill

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Abstract

Theoretical studies have questioned the efficacy of mandatory disclosure requirements under various conditions, but empirical studies of disclosure requirements have been rare. This paper tests the impact of the Fair Credit and Charge Card Disclosure Act of 1988, enacted specifically to increase the degree of competition in the credit card industry in the face of suspected consumer search costs. The findings suggest that the Act failed to achieve its intended purpose. Copyright 1999 by Kluwer Academic Publishers

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Publisher Info
Article provided by Springer in its journal Journal of Regulatory Economics.

Volume (Year): 15 (1999)
Issue (Month): 2 (March)
Pages: 183-98
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Handle: RePEc:kap:regeco:v:15:y:1999:i:2:p:183-98

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  1. Jacob Bikker & Sherrill Shaffer & Laura Spierdijk, 2009. "Assessing Competition with the Panzar-Rosse Model: The Role of Scale, Costs, and Equilibrium," DNB Working Papers 225, Netherlands Central Bank, Research Department. [Downloadable!]
    Other versions:
  2. Sangkyun Park, 2004. "Consumer rationality and credit card pricing: An explanation based on the option value of credit lines," Managerial and Decision Economics, John Wiley & Sons, Ltd., vol. 25(5), pages 243-254. [Downloadable!]
  3. Victor Stango, 2002. "Strategic responses to regulatory threat in the credit card market," Working Paper Series WP-02-02, Federal Reserve Bank of Chicago. [Downloadable!]
    Other versions:
  4. Delis, Manthos D & Tsionas, Efthymios, 2009. "The joint estimation of bank-level market power and efficiency," MPRA Paper 14040, University Library of Munich, Germany. [Downloadable!]
    Other versions:
  5. Delis, Manthos D & Staikouras, Christos & Varlagas, Panagiotis, 2008. "On the measurement of market power in the banking industry," MPRA Paper 14038, University Library of Munich, Germany. [Downloadable!]
    Other versions:
  6. Richards, Timothy J. & Acharya, Ram N. & Kagan, Albert, 2007. "Spatial Competition and Market Power in Banking," 2007 1st Forum, February 15-17, 2007, Innsbruck, Austria 6566, International European Forum on Innovation and System Dynamics in Food Networks. [Downloadable!]
  7. Sangkyun Park, 1997. "Option value of credit lines as an explanation of high credit card rates," Research Paper 9702, Federal Reserve Bank of New York. [Downloadable!]
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