Filene Research Institute

Through independent research and innovation, the Filene Research Institute explores issues vital to the future of credit unions and consumer finance.

Economic Issues - Policy

  1. Regulation’s Silver CU Lining?

    Silver_lining

    The new strictures on credit cards landed yesterday. The Fed’s new overdraft opt-in rules are already causing ulcers among big banks and credit unions alike. And the debate continues over a proposed new Consumer Financial Protection Agency. (passed in the House, pending in the Senate). What’s the good news again?

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    categories » Economic Issues - Policy, Regulation and Deposit Insurance

  2. Silver Lining to the Regulatory Clouds

    • Adam Levitin, Associate Professor of Law, Georgetown University Law Center
    • Feb 23, 2010 No Comments
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    Silver_lining

    For credit unions, there’s a real silver lining to the 2009-2010 regulatory frenzy, argues Georgetown Law Prof. Adam Levitin, whose Filene credits include a guide to the C.A.R.D. Act and a soon-to-be-released report on the changes to overdraft.

    His take, presented to at the Filene Research Institute’s member breakfast at the GAC in February 2010, is that:
    • Credit unions rely far less than their competitors on credit card revenue and overdraft (though, here the reliance is more pronounced).
    • As mutuals, credit unions have more flexibility to work with decreased margins.
    • And the proposed CFPA will hamstring fringe players and banks much more than credit unions.
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    categories » Economic Issues - Policy, Regulation and Deposit Insurance

  3. Credit Card Availability, Interest Rates, and Usage in 2005-2009

    • Mark C. Meyer, CEO, Filene Research Institute Luis Dopico, PhD, Macrometrix
    • Oct 13, 2009 No Comments
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    Numbers_meyer_cfm1_web

    Credit Card Availability, Interest Rates, and Usage in 2005–2009 is the fourth report in a series of Consumer Finance Research briefs authored by Mark Meyer of Filene Research and Luis Dopico of Macormetrix. The briefs based on information derived from the Ohio State University’s Consumer Finance Monthly (CFM) survey. Specifically: we explore:

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    categories » Consumer Finance Monthly Briefs (Ohio State), Economic Issues - Credit Unions, Economic Issues - Policy, Limited Income Households, Marketing, Consumer Behavior and Market Research

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