Consumer Finance Monthly

	A Service to the Financial Community This study is conducted by the Consumer Finance Research Group operating out of the Center for Human Resource Research at Ohio State University. This study of U.S. households collects current data on credit usage, balance sheets and incomes integrated with extensive data on credit card usage. This survey will collect thousands of observations each year using a nationally representative sample with breakouts by region and demographics.
Newsletters: 2010 Q1 Issue 3 2009 Q2 Issue 2 2009 Q1 Issue 1	Our data can answer questions such as: What sorts of interest rate offers are most attractive to consumers? What are the features consumers find most attractive? What factors predict the longevity of credit card accounts? Is the credit-worthiness of credit card users improving or declining? Do consumer balance sheets suggest a need for stricter underwriting standards for credit card customers? How default and turnover by credit card users be predicted? How do the credit worthiness metrics of an issuer compare to national norms? Is the liquidity of the consumer improving or declining? Is consumer confidence improving or declining? Who are we losing customers to and why? Which methods of payment are expanding and for which expenditure categories? How are home equity lines of credit affecting the market for credit cards? What we offer: Data unmatched for timeliness scope and relevance for financial institutions Measures validated during four years of data collection for the state of Ohio Experienced senior project leadership in the areas of data collection, econometrics and the analysis of financial data Opportunities for workshops
	CFM Newsletter 2010 - Q1 Issue 3 (new!) Consumer Debt Stress Index Report - December 2009 (new!) Consumer Debt Stress Index Report - October 2009 (new!) Debt Stress Drops for Third Straight Month (new!) Housing Price Declines (new!) Survey Contacts CFM Brochure Respondent Experience Survey Debt Stress Index Reports: Issue 2 - January 2010 (new!) Issue 1 - September 2009 Executive Summaries: How Consumers Shop for Credit Cards A New Debt Index to Track Consumers’ Credit Card Debt Consolidation Determining the Choice Between HELOC and Credit Card Borrowing Marketing to Refinancers versus Home Buyers How Credit Card Debt & Repayment Rates Change with Age How Collateral Signals Risk in the HELOC Market Using Credit Card in a Ponzi Scheme How Consumers Build the Expectations of Inflation and Income Growth into Credit Card Borrowing How Customers Learn About and Decide to Use Online Banking Services Home Bank Versus External Bank Credit Card Holding What Kind of Consumers Search for Credit Cards Consumers Understanding of Interest Rate & APR Training Materials: CFM Training Materials (login required)