December 13, 2010 11:13 ET

The CARD Act & the Dodd-Frank Act Created New Consumer Banking Dynamics

ROCKVILLE, MD--(Marketwire - December 13, 2010) - has announced the addition of Packaged Facts' new report, "Regulatory Change and The New Consumer Card and Banking Relationship," to their collection of Banking & Financial Services market reports. For more information, visit

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 and The New Consumer Card and 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.

For more information, visit

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