Sample records for credit card processing

  1. 37 CFR 1.23 - Methods of payment.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... made by credit card, except for replenishing a deposit account. Payment of a fee by credit card must specify the amount to be charged to the credit card and such other information as is necessary to process... authorization to charge fees to a credit card. If credit card information is provided on a form or document...

  2. 37 CFR 1.23 - Methods of payment.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... made by credit card, except for replenishing a deposit account. Payment of a fee by credit card must specify the amount to be charged to the credit card and such other information as is necessary to process... authorization to charge fees to a credit card. If credit card information is provided on a form or document...

  3. 37 CFR 1.23 - Methods of payment.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... made by credit card, except for replenishing a deposit account. Payment of a fee by credit card must specify the amount to be charged to the credit card and such other information as is necessary to process... authorization to charge fees to a credit card. If credit card information is provided on a form or document...

  4. 37 CFR 1.23 - Methods of payment.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... made by credit card, except for replenishing a deposit account. Payment of a fee by credit card must specify the amount to be charged to the credit card and such other information as is necessary to process... authorization to charge fees to a credit card. If credit card information is provided on a form or document...

  5. 37 CFR 2.207 - Methods of payment.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... credit card, except for replenishing a deposit account. Payment of a fee by credit card must specify the amount to be charged to the credit card and such other information as is necessary to process the charge... fees to a credit card. If credit card information is provided on a form or document other than a form...

  6. 37 CFR 2.207 - Methods of payment.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... credit card, except for replenishing a deposit account. Payment of a fee by credit card must specify the amount to be charged to the credit card and such other information as is necessary to process the charge... fees to a credit card. If credit card information is provided on a form or document other than a form...

  7. 37 CFR 2.207 - Methods of payment.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... credit card, except for replenishing a deposit account. Payment of a fee by credit card must specify the amount to be charged to the credit card and such other information as is necessary to process the charge... fees to a credit card. If credit card information is provided on a form or document other than a form...

  8. 37 CFR 2.207 - Methods of payment.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... credit card, except for replenishing a deposit account. Payment of a fee by credit card must specify the amount to be charged to the credit card and such other information as is necessary to process the charge... fees to a credit card. If credit card information is provided on a form or document other than a form...

  9. Dynamic Virtual Credit Card Numbers

    NASA Astrophysics Data System (ADS)

    Molloy, Ian; Li, Jiangtao; Li, Ninghui

    Theft of stored credit card information is an increasing threat to e-commerce. We propose a dynamic virtual credit card number scheme that reduces the damage caused by stolen credit card numbers. A user can use an existing credit card account to generate multiple virtual credit card numbers that are either usable for a single transaction or are tied with a particular merchant. We call the scheme dynamic because the virtual credit card numbers can be generated without online contact with the credit card issuers. These numbers can be processed without changing any of the infrastructure currently in place; the only changes will be at the end points, namely, the card users and the card issuers. We analyze the security requirements for dynamic virtual credit card numbers, discuss the design space, propose a scheme using HMAC, and prove its security under the assumption the underlying function is a PRF.

  10. 16 CFR 310.2 - Definitions.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... organization that operates or licenses a credit card system to authorize merchants to accept, transmit, or process payment by credit card through the credit card system for money, goods or services, or anything... means any data that enables any person to access a customer's or donor's account, such as a credit card...

  11. Prefrontal system dysfunction and credit card debt.

    PubMed

    Spinella, Marcello; Yang, Bijou; Lester, David

    2004-10-01

    Credit card use often involves a disadvantageous allocation of finances because they allow for spending beyond means and buying on impulse. Accordingly they are associated with increased bankruptcy, anxiety, stress, and health problems. Mounting evidence from functional neuroimaging and clinical studies implicates prefrontal-subcortical systems in processing financial information. This study examined the relationship of credit card debt and executive functions using the Frontal System Behavior Scale (FRSBE). After removing the influences of demographic variables (age, sex, education, and income), credit card debt was associated with the Executive Dysfunction scale, but not the Apathy or Disinhibition scales. This suggests that processes of conceptualizing and organizing finances are most relevant to credit card debt, and implicates dorsolateral prefrontal dysfunction.

  12. Managing Credit Card Expenses: Nova Southeastern University Shares Cost-Saving Techniques.

    ERIC Educational Resources Information Center

    Peskin, Carol Ann

    1994-01-01

    Nova Southeastern University, Florida, has implemented a variety of techniques of cost containment for campus credit card transactions. These include restricted card acceptance parameters, careful merchant rate negotiation, increased automation of transaction processing, and sophisticated processing techniques. The university has demonstrated…

  13. 76 FR 60454 - Submission for OMB Review; Comment Request

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-09-29

    .... Customers may submit payments to the USPTO by several methods, including credit card, deposit account... and trademark fees by credit card, establish and manage USPTO deposit accounts, request refunds, and set up user profiles. The USPTO uses this collection to process credit card payments, handle deposit...

  14. 26 CFR 301.6311-2 - Payment by credit card and debit card.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 26 Internal Revenue 18 2012-04-01 2012-04-01 false Payment by credit card and debit card. 301.6311....6311-2 Payment by credit card and debit card. (a) Authority to receive—(1) Payments by credit card and debit card. Internal revenue taxes may be paid by credit card or debit card as authorized by this...

  15. 26 CFR 301.6311-2 - Payment by credit card and debit card.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 26 Internal Revenue 18 2011-04-01 2011-04-01 false Payment by credit card and debit card. 301.6311....6311-2 Payment by credit card and debit card. (a) Authority to receive—(1) Payments by credit card and debit card. Internal revenue taxes may be paid by credit card or debit card as authorized by this...

  16. 26 CFR 301.6311-2 - Payment by credit card and debit card.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 26 Internal Revenue 18 2013-04-01 2013-04-01 false Payment by credit card and debit card. 301.6311....6311-2 Payment by credit card and debit card. (a) Authority to receive—(1) Payments by credit card and debit card. Internal revenue taxes may be paid by credit card or debit card as authorized by this...

  17. 26 CFR 301.6311-2 - Payment by credit card and debit card.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 26 Internal Revenue 18 2014-04-01 2014-04-01 false Payment by credit card and debit card. 301.6311....6311-2 Payment by credit card and debit card. (a) Authority to receive—(1) Payments by credit card and debit card. Internal revenue taxes may be paid by credit card or debit card as authorized by this...

  18. Changes in alcohol consumption patterns following the introduction of credit cards in Ontario liquor stores.

    PubMed

    Macdonald, S A; Wells, S L; Giesbrecht, N; West, P M

    1999-05-01

    In 1994, regulatory changes were introduced in Ontario, Canada, permitting the purchase of alcoholic beverages with credit cards at government-operated liquor stores. Two objectives of this study were: (1) to compare the characteristics of credit card shoppers with non credit card shoppers at liquor stores, and (2) to assess whether changes occurred in alcohol consumption patterns among shoppers following the introduction of credit cards. Random digit dialing was used to interview 2,039 telephone participants prior to the introduction of credit cards (Time 1); 1,401 of these subjects were contacted 1 year later (Time 2). Independent sample t tests were used to compare credit card shoppers with shoppers not using credit cards, and paired t tests were performed to assess whether drinking behaviors changed from Time 1 to Time 2. The credit card shoppers were more likely than the non credit card shoppers to be highly educated (p < .001) and to have high incomes (p < .05). Credit card shoppers drank an average of 6.3 drinks over the previous week compared with 4.0 drinks among non credit card shoppers (p < .01). Although the overall amount of alcohol consumed among credit card shoppers dropped from 6.7 drinks at Time 1 to 6.3 at Time 2 (NS), credit card shoppers reported drinking significantly more often after credit cards were introduced (p < .05). The results suggest that credit cards may not present public health problems since significant increases in alcohol consumption among credit card shoppers were not found.

  19. A Mechanism for Anonymous Credit Card Systems

    NASA Astrophysics Data System (ADS)

    Tamura, Shinsuke; Yanase, Tatsuro

    This paper proposes a mechanism for anonymous credit card systems, in which each credit card holder can conceal individual transactions from the credit card company, while enabling the credit card company to calculate the total expenditures of transactions of individual card holders during specified periods, and to identify card holders who executed dishonest transactions. Based on three existing mechanisms, i.e. anonymous authentication, blind signature and secure statistical data gathering, together with implicit transaction links proposed here, the proposed mechanism enables development of anonymous credit card systems without assuming any absolutely trustworthy entity like tamper resistant devices or organizations faithful both to the credit card company and card holders.

  20. Credit Cards. Bulletin No. 721. (Revised.)

    ERIC Educational Resources Information Center

    Fox, Linda Kirk

    This cooperative extension bulletin provides basic information about credit cards and their use. It covers the following topics: types of credit cards (revolving credit, travel and entertainment, and debit); factors to consider when evaluating a credit card (interest rates, grace period, and annual membership fee); other credit card costs (late…

  1. 12 CFR 167.12 - Purchased credit card relationships, servicing assets, intangible assets (other than purchased...

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 12 Banks and Banking 1 2014-01-01 2014-01-01 false Purchased credit card relationships, servicing assets, intangible assets (other than purchased credit card relationships and servicing assets), credit... Purchased credit card relationships, servicing assets, intangible assets (other than purchased credit card...

  2. 12 CFR 167.12 - Purchased credit card relationships, servicing assets, intangible assets (other than purchased...

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 12 Banks and Banking 1 2013-01-01 2013-01-01 false Purchased credit card relationships, servicing assets, intangible assets (other than purchased credit card relationships and servicing assets), credit... Purchased credit card relationships, servicing assets, intangible assets (other than purchased credit card...

  3. 12 CFR 567.12 - Purchased credit card relationships, servicing assets, intangible assets (other than purchased...

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 12 Banks and Banking 6 2013-01-01 2012-01-01 true Purchased credit card relationships, servicing assets, intangible assets (other than purchased credit card relationships and servicing assets), credit... credit card relationships, servicing assets, intangible assets (other than purchased credit card...

  4. 12 CFR 167.12 - Purchased credit card relationships, servicing assets, intangible assets (other than purchased...

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 12 Banks and Banking 1 2012-01-01 2012-01-01 false Purchased credit card relationships, servicing assets, intangible assets (other than purchased credit card relationships and servicing assets), credit... Purchased credit card relationships, servicing assets, intangible assets (other than purchased credit card...

  5. 12 CFR 567.12 - Purchased credit card relationships, servicing assets, intangible assets (other than purchased...

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 12 Banks and Banking 6 2012-01-01 2012-01-01 false Purchased credit card relationships, servicing assets, intangible assets (other than purchased credit card relationships and servicing assets), credit... credit card relationships, servicing assets, intangible assets (other than purchased credit card...

  6. 12 CFR 567.12 - Purchased credit card relationships, servicing assets, intangible assets (other than purchased...

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 12 Banks and Banking 6 2014-01-01 2012-01-01 true Purchased credit card relationships, servicing assets, intangible assets (other than purchased credit card relationships and servicing assets), credit... credit card relationships, servicing assets, intangible assets (other than purchased credit card...

  7. Sex of respondent and credit attitudes as predictors of credit card use and debt payment.

    PubMed

    McCall, Michael; Eckrich, Donald W

    2006-06-01

    Researchers have suggested there may be sex differences in attitudes towards credit card possession and use. Undergraduates, 41 men and 41 women, completed a survey regarding their attitudes towards credit, credit card use, and repayment. Analysis indicated sex played a significant moderating role between number of credit cards used and the importance of paying off monthly balances. Women possessed more credit cards than men and engaged in more frequent shopping. Number of credit cards increased with paying off of monthly balances. Data are discussed in terms of the importance of managing credit card debt in an increasingly cashless society.

  8. 12 CFR 226.12 - Special credit card provisions.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Special credit card provisions. 226.12 Section... SYSTEM TRUTH IN LENDING (REGULATION Z) Open-End Credit § 226.12 Special credit card provisions. (a) Issuance of credit cards. Regardless of the purpose for which a credit card is to be used, including...

  9. 12 CFR 226.12 - Special credit card provisions.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 12 Banks and Banking 3 2013-01-01 2013-01-01 false Special credit card provisions. 226.12 Section... SYSTEM (CONTINUED) TRUTH IN LENDING (REGULATION Z) Open-End Credit § 226.12 Special credit card provisions. (a) Issuance of credit cards. Regardless of the purpose for which a credit card is to be used...

  10. 12 CFR 1026.12 - Special credit card provisions.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 12 Banks and Banking 8 2012-01-01 2012-01-01 false Special credit card provisions. 1026.12 Section...-End Credit § 1026.12 Special credit card provisions. (a) Issuance of credit cards. Regardless of the purpose for which a credit card is to be used, including business, commercial, or agricultural use, no...

  11. 12 CFR 1026.12 - Special credit card provisions.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 12 Banks and Banking 9 2014-01-01 2014-01-01 false Special credit card provisions. 1026.12 Section...-End Credit § 1026.12 Special credit card provisions. (a) Issuance of credit cards. Regardless of the purpose for which a credit card is to be used, including business, commercial, or agricultural use, no...

  12. 12 CFR 226.12 - Special credit card provisions.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 12 Banks and Banking 3 2011-01-01 2011-01-01 false Special credit card provisions. 226.12 Section... SYSTEM TRUTH IN LENDING (REGULATION Z) Open-End Credit § 226.12 Special credit card provisions. (a) Issuance of credit cards. Regardless of the purpose for which a credit card is to be used, including...

  13. 12 CFR 226.12 - Special credit card provisions.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 12 Banks and Banking 3 2014-01-01 2014-01-01 false Special credit card provisions. 226.12 Section... SYSTEM (CONTINUED) TRUTH IN LENDING (REGULATION Z) Open-End Credit § 226.12 Special credit card provisions. (a) Issuance of credit cards. Regardless of the purpose for which a credit card is to be used...

  14. 12 CFR 226.12 - Special credit card provisions.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 12 Banks and Banking 3 2012-01-01 2012-01-01 false Special credit card provisions. 226.12 Section... SYSTEM TRUTH IN LENDING (REGULATION Z) Open-End Credit § 226.12 Special credit card provisions. (a) Issuance of credit cards. Regardless of the purpose for which a credit card is to be used, including...

  15. 12 CFR 1026.12 - Special credit card provisions.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 12 Banks and Banking 8 2013-01-01 2013-01-01 false Special credit card provisions. 1026.12 Section...-End Credit § 1026.12 Special credit card provisions. (a) Issuance of credit cards. Regardless of the purpose for which a credit card is to be used, including business, commercial, or agricultural use, no...

  16. 16 CFR 310.2 - Definitions.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... CFR PART 310 § 310.2 Definitions. (a) Acquirer means a business organization, financial institution, or an agent of a business organization or financial institution that has authority from an... process payment by credit card through the credit card system for money, goods or services, or anything...

  17. 16 CFR 310.2 - Definitions.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... CFR PART 310 § 310.2 Definitions. (a) Acquirer means a business organization, financial institution, or an agent of a business organization or financial institution that has authority from an... process payment by credit card through the credit card system for money, goods or services, or anything...

  18. 16 CFR 310.2 - Definitions.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... CFR PART 310 § 310.2 Definitions. (a) Acquirer means a business organization, financial institution, or an agent of a business organization or financial institution that has authority from an... process payment by credit card through the credit card system for money, goods or services, or anything...

  19. Correlates of credit card ownership in men and women.

    PubMed

    Yang, Bijou; Lester, David

    2005-06-01

    In a sample of 352 students, correlates of credit card ownership differed by sex. For both men and women, credit card ownership was predicted by their affective attitude toward credit cards. However, whereas for men concern with money as a tactic for gaining power predicted credit card ownership, for women feelings of insecurity about having sufficient money and having a conservative approach to money predicted credit card ownership.

  20. 78 FR 59096 - Agency Information Collection Activities: Information Collection Renewal; Comment Request...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-09-25

    ... savings associations). The OCC requires independent credit card banks and independent credit card Federal... by the bank or Federal savings association. Independent credit card banks and independent credit card... credit card operations and are not affiliated with a full service national bank or Federal savings...

  1. Evolution of optically nondestructive and data-non-intrusive credit card verifiers

    NASA Astrophysics Data System (ADS)

    Sumriddetchkajorn, Sarun; Intaravanne, Yuttana

    2010-04-01

    Since the deployment of the credit card, the number of credit card fraud cases has grown rapidly with a huge amount of loss in millions of US dollars. Instead of asking more information from the credit card's holder or taking risk through payment approval, a nondestructive and data-non-intrusive credit card verifier is highly desirable before transaction begins. In this paper, we review optical techniques that have been proposed and invented in order to make the genuine credit card more distinguishable than the counterfeit credit card. Several optical approaches for the implementation of credit card verifiers are also included. In particular, we highlight our invention on a hyperspectral-imaging based portable credit card verifier structure that offers a very low false error rate of 0.79%. Other key features include low cost, simplicity in design and implementation, no moving part, no need of an additional decoding key, and adaptive learning.

  2. 12 CFR 560.3 - Definitions.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ...)). Consumer loans do not include credit extended in connection with credit card loans, bona fide overdraft... authority other than section 5(c)(2)(D) of the HOLA. Credit card is any card, plate, coupon book, or other single credit device that may be used from time to time to obtain credit. Credit card account is a credit...

  3. 12 CFR 160.3 - Definitions.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... loans do not include credit extended in connection with credit card loans, bona fide overdraft loans... authority other than section 5(c)(2)(D) of the HOLA. Credit card is any card, plate, coupon book, or other single credit device that may be used from time to time to obtain credit. Credit card account is a credit...

  4. 12 CFR 560.3 - Definitions.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ...)). Consumer loans do not include credit extended in connection with credit card loans, bona fide overdraft... authority other than section 5(c)(2)(D) of the HOLA. Credit card is any card, plate, coupon book, or other single credit device that may be used from time to time to obtain credit. Credit card account is a credit...

  5. 12 CFR 160.3 - Definitions.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... loans do not include credit extended in connection with credit card loans, bona fide overdraft loans... authority other than section 5(c)(2)(D) of the HOLA. Credit card is any card, plate, coupon book, or other single credit device that may be used from time to time to obtain credit. Credit card account is a credit...

  6. 12 CFR 160.3 - Definitions.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... loans do not include credit extended in connection with credit card loans, bona fide overdraft loans... authority other than section 5(c)(2)(D) of the HOLA. Credit card is any card, plate, coupon book, or other single credit device that may be used from time to time to obtain credit. Credit card account is a credit...

  7. 12 CFR 560.3 - Definitions.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ...)). Consumer loans do not include credit extended in connection with credit card loans, bona fide overdraft... authority other than section 5(c)(2)(D) of the HOLA. Credit card is any card, plate, coupon book, or other single credit device that may be used from time to time to obtain credit. Credit card account is a credit...

  8. 12 CFR 560.3 - Definitions.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ...)). Consumer loans do not include credit extended in connection with credit card loans, bona fide overdraft... authority other than section 5(c)(2)(D) of the HOLA. Credit card is any card, plate, coupon book, or other single credit device that may be used from time to time to obtain credit. Credit card account is a credit...

  9. 12 CFR 1026.57 - Reporting and marketing rules for college student open-end credit.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... TRUTH IN LENDING (REGULATION Z) Special Rules Applicable to Credit Card Accounts and Open-End Credit.... (a) Definitions—(1) College student credit card. The term “college student credit card” as used in this section means a credit card issued under a credit card account under an open-end (not home-secured...

  10. 12 CFR 1026.57 - Reporting and marketing rules for college student open-end credit.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... TRUTH IN LENDING (REGULATION Z) Special Rules Applicable to Credit Card Accounts and Open-End Credit.... (a) Definitions—(1) College student credit card. The term “college student credit card” as used in this section means a credit card issued under a credit card account under an open-end (not home-secured...

  11. 12 CFR 1026.57 - Reporting and marketing rules for college student open-end credit.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... TRUTH IN LENDING (REGULATION Z) Special Rules Applicable to Credit Card Accounts and Open-End Credit.... (a) Definitions. (1) College student credit card. The term “college student credit card” as used in this section means a credit card issued under a credit card account under an open-end (not home-secured...

  12. 41 CFR 109-38.801 - Obtaining SF 149, U.S. Government National Credit Card.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    .... Government National Credit Card. 109-38.801 Section 109-38.801 Public Contracts and Property Management..., U.S. Government National Credit Card § 109-38.801 Obtaining SF 149, U.S. Government National Credit Card. DOE offices electing to use national credit cards shall request the assignment of billing address...

  13. 31 CFR 598.409 - Credit extended and cards issued by U.S. financial institutions.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false Credit extended and cards issued by U... NARCOTICS KINGPIN SANCTIONS REGULATIONS Interpretations § 598.409 Credit extended and cards issued by U.S... existing credit agreements, including, but not limited to, charge cards, debit cards, or other credit...

  14. The "Negative" Credit Card Effect: Credit Cards as Spending-Limiting Stimuli in New Zealand

    ERIC Educational Resources Information Center

    Lie, Celia; Hunt, Maree; Peters, Heather L.; Veliu, Bahrie; Harper, David

    2010-01-01

    The "credit card effect" describes a finding where greater value is given to consumer items if credit card logos are present. One explanation for the effect is that credit cards elicit spending behavior through associative learning. If this is true, social, economic and historical contexts should alter this effect. In Experiment 1, Year…

  15. 41 CFR 109-38.801 - Obtaining SF 149, U.S. Government National Credit Card.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    .... Government National Credit Card. 109-38.801 Section 109-38.801 Public Contracts and Property Management..., U.S. Government National Credit Card § 109-38.801 Obtaining SF 149, U.S. Government National Credit Card. DOE offices electing to use national credit cards shall request the assignment of billing address...

  16. 41 CFR 109-38.801 - Obtaining SF 149, U.S. Government National Credit Card.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    .... Government National Credit Card. 109-38.801 Section 109-38.801 Public Contracts and Property Management..., U.S. Government National Credit Card § 109-38.801 Obtaining SF 149, U.S. Government National Credit Card. DOE offices electing to use national credit cards shall request the assignment of billing address...

  17. 41 CFR 109-38.801 - Obtaining SF 149, U.S. Government National Credit Card.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    .... Government National Credit Card. 109-38.801 Section 109-38.801 Public Contracts and Property Management..., U.S. Government National Credit Card § 109-38.801 Obtaining SF 149, U.S. Government National Credit Card. DOE offices electing to use national credit cards shall request the assignment of billing address...

  18. 41 CFR 109-38.801 - Obtaining SF 149, U.S. Government National Credit Card.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    .... Government National Credit Card. 109-38.801 Section 109-38.801 Public Contracts and Property Management..., U.S. Government National Credit Card § 109-38.801 Obtaining SF 149, U.S. Government National Credit Card. DOE offices electing to use national credit cards shall request the assignment of billing address...

  19. The identification of credit card encoders by hierarchical cluster analysis of the jitters of magnetic stripes.

    PubMed

    Leung, S C; Fung, W K; Wong, K H

    1999-01-01

    The relative bit density variation graphs of 207 specimen credit cards processed by 12 encoding machines were examined first visually, and then classified by means of hierarchical cluster analysis. Twenty-nine credit cards being treated as 'questioned' samples were tested by way of cluster analysis against 'controls' derived from known encoders. It was found that hierarchical cluster analysis provided a high accuracy of identification with all 29 'questioned' samples classified correctly. On the other hand, although visual comparison of jitter graphs was less discriminating, it was nevertheless capable of giving a reasonably accurate result.

  20. 12 CFR 226.53 - Allocation of payments.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... TRUTH IN LENDING (REGULATION Z) Special Rules Applicable to Credit Card Accounts and Open-End Credit... payment for a credit card account under an open-end (not home-secured) consumer credit plan, the card... program. When a balance on a credit card account under an open-end (not home-secured) consumer credit plan...

  1. 12 CFR 226.53 - Allocation of payments.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... TRUTH IN LENDING (REGULATION Z) Special Rules Applicable to Credit Card Accounts and Open-End Credit... payment for a credit card account under an open-end (not home-secured) consumer credit plan, the card.... When a balance on a credit card account under an open-end (not home-secured) consumer credit plan is...

  2. 12 CFR 226.51 - Ability to Pay.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ...) TRUTH IN LENDING (REGULATION Z) Special Rules Applicable to Credit Card Accounts and Open-End Credit... pay. A card issuer must not open a credit card account for a consumer under an open-end (not home-secured) consumer credit plan, or increase any credit limit applicable to such account, unless the card...

  3. 12 CFR 390.262 - Definitions.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... credit card loans, bona fide overdraft loans, and other loans that the State savings association has... card is any card, plate, coupon book, or other single credit device that may be used from time to time to obtain credit. Credit card account is a credit account established in conjunction with the...

  4. 12 CFR 390.262 - Definitions.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... credit card loans, bona fide overdraft loans, and other loans that the State savings association has... card is any card, plate, coupon book, or other single credit device that may be used from time to time to obtain credit. Credit card account is a credit account established in conjunction with the...

  5. 12 CFR 390.471 - Purchased credit card relationships, servicing assets, intangible assets (other than purchased...

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 12 Banks and Banking 5 2013-01-01 2013-01-01 false Purchased credit card relationships, servicing assets, intangible assets (other than purchased credit card relationships and servicing assets), credit... THE OFFICE OF THRIFT SUPERVISION Capital § 390.471 Purchased credit card relationships, servicing...

  6. 12 CFR 390.262 - Definitions.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... credit card loans, bona fide overdraft loans, and other loans that the State savings association has... card is any card, plate, coupon book, or other single credit device that may be used from time to time to obtain credit. Credit card account is a credit account established in conjunction with the...

  7. 12 CFR 390.471 - Purchased credit card relationships, servicing assets, intangible assets (other than purchased...

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 12 Banks and Banking 5 2014-01-01 2014-01-01 false Purchased credit card relationships, servicing assets, intangible assets (other than purchased credit card relationships and servicing assets), credit... THE OFFICE OF THRIFT SUPERVISION Capital § 390.471 Purchased credit card relationships, servicing...

  8. 12 CFR 226.51 - Ability to Pay.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ...) TRUTH IN LENDING (REGULATION Z) Special Rules Applicable to Credit Card Accounts and Open-End Credit... pay. A card issuer must not open a credit card account for a consumer under an open-end (not home-secured) consumer credit plan, or increase any credit limit applicable to such account, unless the card...

  9. 12 CFR 390.471 - Purchased credit card relationships, servicing assets, intangible assets (other than purchased...

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 12 Banks and Banking 5 2012-01-01 2012-01-01 false Purchased credit card relationships, servicing assets, intangible assets (other than purchased credit card relationships and servicing assets), credit... THE OFFICE OF THRIFT SUPERVISION Capital § 390.471 Purchased credit card relationships, servicing...

  10. 31 CFR 548.409 - Credit extended and cards issued by U.S. financial institutions.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false Credit extended and cards issued by U... SANCTIONS REGULATIONS Interpretations § 548.409 Credit extended and cards issued by U.S. financial..., charge cards, debit cards, or other credit facilities issued by a U.S. financial institution to a person...

  11. 31 CFR 588.409 - Credit extended and cards issued by U.S. financial institutions.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false Credit extended and cards issued by U... BALKANS STABILIZATION REGULATIONS Interpretations § 588.409 Credit extended and cards issued by U.S... not limited to, charge cards, debit cards, or other credit facilities issued by a U.S. financial...

  12. 31 CFR 593.409 - Credit extended and cards issued by U.S. financial institutions.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false Credit extended and cards issued by U... LIBERIAN REGIME OF CHARLES TAYLOR SANCTIONS REGULATIONS Interpretations § 593.409 Credit extended and cards..., including, but not limited to, charge cards, debit cards, or other credit facilities issued by a U.S...

  13. 12 CFR 717.91 - Duties of card issuers regarding changes of address.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... AFFECTING CREDIT UNIONS FAIR CREDIT REPORTING Identity Theft Red Flags § 717.91 Duties of card issuers regarding changes of address. (a) Scope. This section applies to an issuer of a debit or credit card (card... means a member who has been issued a credit or debit card. (2) Clear and conspicuous means reasonably...

  14. 31 CFR 594.410 - Credit extended and cards issued by U.S. financial institutions.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false Credit extended and cards issued by U... TERRORISM SANCTIONS REGULATIONS Interpretations § 594.410 Credit extended and cards issued by U.S. financial... agreements, including, but not limited to, charge cards, debit cards, or other credit facilities issued by a...

  15. 31 CFR 542.409 - Credit extended and cards issued by U.S. financial institutions.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false Credit extended and cards issued by U... SANCTIONS REGULATIONS Interpretations § 542.409 Credit extended and cards issued by U.S. financial..., charge cards, debit cards, or other credit facilities issued by a U.S. financial institution to a person...

  16. 31 CFR 547.409 - Credit extended and cards issued by U.S. financial institutions.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false Credit extended and cards issued by U... DEMOCRATIC REPUBLIC OF THE CONGO SANCTIONS REGULATIONS Interpretations § 547.409 Credit extended and cards..., including, but not limited to, charge cards, debit cards, or other credit facilities issued by a U.S...

  17. 31 CFR 536.409 - Credit extended and cards issued by U.S. financial institutions.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false Credit extended and cards issued by U... NARCOTICS TRAFFICKING SANCTIONS REGULATIONS Interpretations § 536.409 Credit extended and cards issued by U... any existing credit agreements, including, but not limited to, charge cards, debit cards, or other...

  18. 12 CFR Rules for Card Issuers That... - by-Transaction Basis

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... Credit Card Accounts and Open-End Credit Offered to College Students Reevaluation of rate increases. Pt... provisions of Subpart B apply if credit cards are issued and the card issuer and the seller are the same or... creditor have an agreement authorizing the seller to honor the creditor's credit card. 1. Section 226.6(a...

  19. 31 CFR 1028.300 - General.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... ENFORCEMENT NETWORK, DEPARTMENT OF THE TREASURY RULES FOR OPERATORS OF CREDIT CARD SYSTEMS Reports Required To Be Made by Operators of Credit Card Systems § 1028.300 General. Operators of credit card systems are... contained in that subpart which apply to operators of credit card systems. ...

  20. 31 CFR 1028.300 - General.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... ENFORCEMENT NETWORK, DEPARTMENT OF THE TREASURY RULES FOR OPERATORS OF CREDIT CARD SYSTEMS Reports Required To Be Made by Operators of Credit Card Systems § 1028.300 General. Operators of credit card systems are... contained in that subpart which apply to operators of credit card systems. ...

  1. Follow Up: Credit Card Caution

    ERIC Educational Resources Information Center

    Cahill, Timothy P.

    2007-01-01

    In "Pushing Plastic," ("The New England Journal of Higher Education", Summer 2007), John Humphrey notes that many college administrators justify their credit card solicitations by suggesting that credit card access will help students learn to manage their own finances. Instead, credit card debt will teach thousands of students…

  2. 31 CFR 543.409 - Credit extended and cards issued by U.S. financial institutions.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false Credit extended and cards issued by U...'IVOIRE SANCTIONS REGULATIONS Interpretations § 543.409 Credit extended and cards issued by U.S. financial..., charge cards, debit cards, or other credit facilities issued by a U.S. financial institution to a person...

  3. 31 CFR 541.408 - Credit extended and cards issued by U.S. financial institutions.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false Credit extended and cards issued by U... ZIMBABWE SANCTIONS REGULATIONS Interpretations § 541.408 Credit extended and cards issued by U.S. financial..., charge cards, debit cards, or other credit facilities issued by a U.S. financial institution to a person...

  4. 49 CFR 375.221 - May I use a charge or credit card plan for payments?

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 49 Transportation 5 2010-10-01 2010-10-01 false May I use a charge or credit card plan for... card plan for payments? (a) You may provide in your tariff for the acceptance of charge or credit cards for the payment of freight charges. Accepting charge or credit card payments is different than...

  5. 49 CFR 375.221 - May I use a charge or credit card plan for payments?

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... 49 Transportation 5 2013-10-01 2013-10-01 false May I use a charge or credit card plan for... card plan for payments? (a) You may provide in your tariff for the acceptance of charge or credit cards for the payment of freight charges. Accepting charge or credit card payments is different than...

  6. 49 CFR 375.221 - May I use a charge or credit card plan for payments?

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... 49 Transportation 5 2012-10-01 2012-10-01 false May I use a charge or credit card plan for... card plan for payments? (a) You may provide in your tariff for the acceptance of charge or credit cards for the payment of freight charges. Accepting charge or credit card payments is different than...

  7. 49 CFR 375.221 - May I use a charge or credit card plan for payments?

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... 49 Transportation 5 2014-10-01 2014-10-01 false May I use a charge or credit card plan for... card plan for payments? (a) You may provide in your tariff for the acceptance of charge or credit cards for the payment of freight charges. Accepting charge or credit card payments is different than...

  8. 49 CFR 375.221 - May I use a charge or credit card plan for payments?

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... 49 Transportation 5 2011-10-01 2011-10-01 false May I use a charge or credit card plan for... card plan for payments? (a) You may provide in your tariff for the acceptance of charge or credit cards for the payment of freight charges. Accepting charge or credit card payments is different than...

  9. 31 CFR 1028.400 - General.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... ENFORCEMENT NETWORK, DEPARTMENT OF THE TREASURY RULES FOR OPERATORS OF CREDIT CARD SYSTEMS Records Required To Be Maintained By Operators of Credit Card Systems § 1028.400 General. Operators of credit card.... Operators of credit card systems should also refer to Subpart D of Part 1010 of this Chapter for...

  10. 31 CFR 1028.400 - General.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... ENFORCEMENT NETWORK, DEPARTMENT OF THE TREASURY RULES FOR OPERATORS OF CREDIT CARD SYSTEMS Records Required To Be Maintained By Operators of Credit Card Systems § 1028.400 General. Operators of credit card.... Operators of credit card systems should also refer to Subpart D of Part 1010 of this Chapter for...

  11. 31 CFR 1028.400 - General.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... ENFORCEMENT NETWORK, DEPARTMENT OF THE TREASURY RULES FOR OPERATORS OF CREDIT CARD SYSTEMS Records Required To Be Maintained By Operators of Credit Card Systems § 1028.400 General. Operators of credit card.... Operators of credit card systems should also refer to Subpart D of Part 1010 of this Chapter for...

  12. 31 CFR 1028.400 - General.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... ENFORCEMENT NETWORK, DEPARTMENT OF THE TREASURY RULES FOR OPERATORS OF CREDIT CARD SYSTEMS Records Required To Be Maintained By Operators of Credit Card Systems § 1028.400 General. Operators of credit card.... Operators of credit card systems should also refer to Subpart D of Part 1010 of this Chapter for...

  13. Materialism and credit card use by college students.

    PubMed

    Pinto, M B; Parente, D H; Palmer, T S

    2000-04-01

    Much has been written in the popular press on credit card use and spending patterns of American college students. The proliferation of credit cards and their ease of acquisition ensure that students today have more opportunities for making more credit purchases than any other generation of college students. Little is known about the relationship between students' attitudes towards materialism and their use of credit cards. A study was conducted at three college campuses in the northeastern part of the United States where a total of 1,022 students were surveyed. Students' attitudes toward use of credit and their credit card balances were evaluated relative to their scores on Richins and Dawson's Materialism Scale (1992). Our findings suggest no significant difference between those individuals scoring high versus low on the Materialism Scale in terms of the number of credit cards owned and the average balance owed. Individuals high on materialism, however, significantly differed in terms of their uses for credit cards and their general attitude toward their use.

  14. 12 CFR 226.57 - Reporting and marketing rules for college student open-end credit.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... to Credit Card Accounts and Open-End Credit Offered to College Students § 226.57 Reporting and marketing rules for college student open-end credit. (a) Definitions: (1) College student credit card. The term “college student credit card” as used in this section means a credit card issued under a credit...

  15. 12 CFR 226.57 - Reporting and marketing rules for college student open-end credit.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... Applicable to Credit Card Accounts and Open-End Credit Offered to College Students § 226.57 Reporting and marketing rules for college student open-end credit. (a) Definitions: (1) College student credit card. The term “college student credit card” as used in this section means a credit card issued under a credit...

  16. 12 CFR 226.57 - Reporting and marketing rules for college student open-end credit.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... to Credit Card Accounts and Open-End Credit Offered to College Students § 226.57 Reporting and marketing rules for college student open-end credit. (a) Definitions: (1) College student credit card. The term “college student credit card” as used in this section means a credit card issued under a credit...

  17. 12 CFR 226.57 - Reporting and marketing rules for college student open-end credit.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... Applicable to Credit Card Accounts and Open-End Credit Offered to College Students § 226.57 Reporting and marketing rules for college student open-end credit. (a) Definitions: (1) College student credit card. The term “college student credit card” as used in this section means a credit card issued under a credit...

  18. British and American attitudes toward credit cards.

    PubMed

    Yang, Bijou; James, Simon; Lester, David

    2006-04-01

    American university students owned more than twice as many credit cards as British university students. However, scores on a credit card attitude scale predicted the number of cards owned by respondents in both countries.

  19. 19 CFR 24.1 - Collection of Customs duties, taxes, fees, interest, and other charges.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... current credit card issued by one of the numerous travel agencies or clubs, or other credit data, etc... available cash funds on hand. (7) Credit or charge cards, which have been authorized by the Commissioner of... collection from the credit card company. Persons paying by charge or credit card will remain liable for all...

  20. 19 CFR 24.1 - Collection of Customs duties, taxes, fees, interest, and other charges.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... current credit card issued by one of the numerous travel agencies or clubs, or other credit data, etc... available cash funds on hand. (7) Credit or charge cards, which have been authorized by the Commissioner of... collection from the credit card company. Persons paying by charge or credit card will remain liable for all...

  1. 19 CFR 24.1 - Collection of Customs duties, taxes, fees, interest, and other charges.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... current credit card issued by one of the numerous travel agencies or clubs, or other credit data, etc... available cash funds on hand. (7) Credit or charge cards, which have been authorized by the Commissioner of... collection from the credit card company. Persons paying by charge or credit card will remain liable for all...

  2. 19 CFR 24.1 - Collection of Customs duties, taxes, fees, interest, and other charges.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... current credit card issued by one of the numerous travel agencies or clubs, or other credit data, etc... available cash funds on hand. (7) Credit or charge cards, which have been authorized by the Commissioner of... collection from the credit card company. Persons paying by charge or credit card will remain liable for all...

  3. Credit Cards: What You Don't Know Can Cost You!

    ERIC Educational Resources Information Center

    Detweiler, Gerri

    1993-01-01

    The role of credit cards in personal finance has increased dramatically over the past two decades. Complex interest computation methods and additional fees often boost the price of credit card loans and help make credit cards the most profitable type of consumer loan for many lenders. (Author/JOW)

  4. 77 FR 75410 - Request for Information Regarding Credit Card Market

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-12-20

    ... Regarding Credit Card Market AGENCY: Bureau of Consumer Financial Protection. ACTION: Notice and request for information. SUMMARY: Section 502(a) of the Credit Card Accountability Responsibility and Disclosure Act of... review (Review) of the consumer credit card market, within the limits of its existing resources available...

  5. 31 CFR 1028.100 - Definitions.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... ENFORCEMENT NETWORK, DEPARTMENT OF THE TREASURY RULES FOR OPERATORS OF CREDIT CARD SYSTEMS Definitions § 1028... institution means a person authorized by the operator of a credit card system to contract, directly or... operator's credit card. (b) Credit card has the same meaning as in 15 U.S.C. 1602(k). It includes charge...

  6. 32 CFR 172.5 - Procedures.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ..., unless other instructions have been received from the bidder. (2) Credit cards. Approved credit cards may be accepted by a DoD Component for payment. (i) Before initiating any credit card transactions, the... credit cards are announced in Comptroller of the Department of Defense (C, DoD) memoranda or in changes...

  7. 31 CFR 1028.100 - Definitions.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... ENFORCEMENT NETWORK, DEPARTMENT OF THE TREASURY RULES FOR OPERATORS OF CREDIT CARD SYSTEMS Definitions § 1028... institution means a person authorized by the operator of a credit card system to contract, directly or... operator's credit card. (b) Credit card has the same meaning as in 15 U.S.C. 1602(k). It includes charge...

  8. 31 CFR 1028.100 - Definitions.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... ENFORCEMENT NETWORK, DEPARTMENT OF THE TREASURY RULES FOR OPERATORS OF CREDIT CARD SYSTEMS Definitions § 1028... institution means a person authorized by the operator of a credit card system to contract, directly or... operator's credit card. (b) Credit card has the same meaning as in 15 U.S.C. 1602(k). It includes charge...

  9. 32 CFR 172.5 - Procedures.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ..., unless other instructions have been received from the bidder. (2) Credit cards. Approved credit cards may be accepted by a DoD Component for payment. (i) Before initiating any credit card transactions, the... credit cards are announced in Comptroller of the Department of Defense (C, DoD) memoranda or in changes...

  10. 31 CFR 1028.100 - Definitions.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... ENFORCEMENT NETWORK, DEPARTMENT OF THE TREASURY RULES FOR OPERATORS OF CREDIT CARD SYSTEMS Definitions § 1028... institution means a person authorized by the operator of a credit card system to contract, directly or... operator's credit card. (b) Credit card has the same meaning as in 15 U.S.C. 1602(k). It includes charge...

  11. 32 CFR 172.5 - Procedures.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ..., unless other instructions have been received from the bidder. (2) Credit cards. Approved credit cards may be accepted by a DoD Component for payment. (i) Before initiating any credit card transactions, the... credit cards are announced in Comptroller of the Department of Defense (C, DoD) memoranda or in changes...

  12. 11 CFR 100.83 - Brokerage loans and lines of credit to candidates.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ..., credit card, home equity line of credit, or other line of credit available to the candidate, including an... making such loan makes loans derived from an advance on a candidate's brokerage account, credit card... card, home equity line of credit, or other line of credit available to the candidate, for which he or...

  13. 11 CFR 100.83 - Brokerage loans and lines of credit to candidates.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ..., credit card, home equity line of credit, or other line of credit available to the candidate, including an... making such loan makes loans derived from an advance on a candidate's brokerage account, credit card... card, home equity line of credit, or other line of credit available to the candidate, for which he or...

  14. 11 CFR 100.83 - Brokerage loans and lines of credit to candidates.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ..., credit card, home equity line of credit, or other line of credit available to the candidate, including an... making such loan makes loans derived from an advance on a candidate's brokerage account, credit card... card, home equity line of credit, or other line of credit available to the candidate, for which he or...

  15. 11 CFR 100.83 - Brokerage loans and lines of credit to candidates.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ..., credit card, home equity line of credit, or other line of credit available to the candidate, including an... making such loan makes loans derived from an advance on a candidate's brokerage account, credit card... card, home equity line of credit, or other line of credit available to the candidate, for which he or...

  16. 11 CFR 100.83 - Brokerage loans and lines of credit to candidates.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ..., credit card, home equity line of credit, or other line of credit available to the candidate, including an... making such loan makes loans derived from an advance on a candidate's brokerage account, credit card... card, home equity line of credit, or other line of credit available to the candidate, for which he or...

  17. 41 CFR 101-26.502 - U.S. Government National Credit Card.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... Credit Card. 101-26.502 Section 101-26.502 Public Contracts and Property Management Federal Property... SOURCES AND PROGRAM 26.5-GSA Procurement Programs § 101-26.502 U.S. Government National Credit Card. A... Standard Form 149, U.S. Government National Credit Card. [60 FR 19674, Apr. 20, 1995] ...

  18. 12 CFR 226.56 - Requirements for over-the-limit transactions.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... FEDERAL RESERVE SYSTEM TRUTH IN LENDING (REGULATION Z) Special Rules Applicable to Credit Card Accounts... extension of credit by a card issuer to complete a transaction that causes a consumer's credit card account balance to exceed the credit limit. (b) Opt-in requirement. (1) General. A card issuer shall not assess a...

  19. 12 CFR 1026.51 - Ability to pay.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... Applicable to Credit Card Accounts and Open-End Credit Offered to College Students § 1026.51 Ability to pay. (a) General rule—(1)(i) Consideration of ability to pay. A card issuer must not open a credit card... any information about a consumer's income, assets, or current obligations, or to issue a credit card...

  20. 41 CFR 101-26.502 - U.S. Government National Credit Card.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... Credit Card. 101-26.502 Section 101-26.502 Public Contracts and Property Management Federal Property... SOURCES AND PROGRAM 26.5-GSA Procurement Programs § 101-26.502 U.S. Government National Credit Card. A... Standard Form 149, U.S. Government National Credit Card. [60 FR 19674, Apr. 20, 1995] ...

  1. 12 CFR 1026.51 - Ability to pay.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... Applicable to Credit Card Accounts and Open-End Credit Offered to College Students § 1026.51 Ability to pay. (a) General rule. (1)(i) Consideration of ability to pay. A card issuer must not open a credit card... any information about a consumer's income, assets, or current obligations, or to issue a credit card...

  2. 41 CFR 101-26.502 - U.S. Government National Credit Card.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... Credit Card. 101-26.502 Section 101-26.502 Public Contracts and Property Management Federal Property... SOURCES AND PROGRAM 26.5-GSA Procurement Programs § 101-26.502 U.S. Government National Credit Card. A... Standard Form 149, U.S. Government National Credit Card. [60 FR 19674, Apr. 20, 1995] ...

  3. 41 CFR 101-26.502 - U.S. Government National Credit Card.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... Credit Card. 101-26.502 Section 101-26.502 Public Contracts and Property Management Federal Property... SOURCES AND PROGRAM 26.5-GSA Procurement Programs § 101-26.502 U.S. Government National Credit Card. A... Standard Form 149, U.S. Government National Credit Card. [60 FR 19674, Apr. 20, 1995] ...

  4. 12 CFR 1026.51 - Ability to Pay.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... Applicable to Credit Card Accounts and Open-End Credit Offered to College Students § 1026.51 Ability to Pay. (a) General rule—(1)(i) Consideration of ability to pay. A card issuer must not open a credit card... credit card to a consumer who does not have any income or assets. (2) Minimum periodic payments. (i...

  5. 12 CFR 226.56 - Requirements for over-the-limit transactions.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... FEDERAL RESERVE SYSTEM TRUTH IN LENDING (REGULATION Z) Special Rules Applicable to Credit Card Accounts... extension of credit by a card issuer to complete a transaction that causes a consumer's credit card account balance to exceed the credit limit. (b) Opt-in requirement. (1) General. A card issuer shall not assess a...

  6. 12 CFR 226.56 - Requirements for over-the-limit transactions.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... FEDERAL RESERVE SYSTEM (CONTINUED) TRUTH IN LENDING (REGULATION Z) Special Rules Applicable to Credit Card... extension of credit by a card issuer to complete a transaction that causes a consumer's credit card account balance to exceed the credit limit. (b) Opt-in requirement. (1) General. A card issuer shall not assess a...

  7. 41 CFR 101-26.502 - U.S. Government National Credit Card.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... Credit Card. 101-26.502 Section 101-26.502 Public Contracts and Property Management Federal Property... SOURCES AND PROGRAM 26.5-GSA Procurement Programs § 101-26.502 U.S. Government National Credit Card. A... Standard Form 149, U.S. Government National Credit Card. [60 FR 19674, Apr. 20, 1995] ...

  8. 12 CFR 226.56 - Requirements for over-the-limit transactions.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... FEDERAL RESERVE SYSTEM (CONTINUED) TRUTH IN LENDING (REGULATION Z) Special Rules Applicable to Credit Card... extension of credit by a card issuer to complete a transaction that causes a consumer's credit card account balance to exceed the credit limit. (b) Opt-in requirement. (1) General. A card issuer shall not assess a...

  9. Mammography screening credit card and compliance.

    PubMed

    Schapira, D V; Kumar, N B; Clark, R A; Yag, C

    1992-07-15

    Screening for breast cancer using mammography has been shown to be effective in reducing mortality from breast cancer. The authors attempted to determine if use of a wallet-size plastic screening "credit" card would increase participants' compliance for subsequent mammograms when compared with traditional methods of increasing compliance. Two hundred and twenty consecutive women, ages 40-70 years, undergoing their first screening mammography were recruited and assigned randomly to four groups receiving (1) a reminder plastic credit card (2) reminder credit card with written reminder; (3) appointment card; and (4) verbal recommendation. Return rates of the four groups were determined after 15 months. The return rate for subsequent mammograms was significantly higher for participants (72.4%) using the credit card than for participants (39.8%) exposed to traditional encouragement/reminders (P less than 0.0001). The credit card was designed to show the participant's screening anniversary, and the durability of the card may have been a factor in increasing the return rate. The use of reminder credit cards may increase compliance for periodic screening examinations for other cancers and other chronic diseases.

  10. 12 CFR Appendix E - Rules for Card Issuers That Bill on a Transaction-by-Transaction Basis

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... to Credit Card Accounts and Open-End Credit Offered to College Students Reevaluation of rate... The following provisions of Subpart B apply if credit cards are issued and the card issuer and the... credit card. 1. Section 226.6(a)(5) or § 226.6(b)(5)(iii). 2. Section 226.6(a)(2) or § 226.6(b)(3)(ii)(B...

  11. 26 CFR 301.7603-2 - Third-party recordkeepers.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... possession of the United States, or of the District of Columbia. (3) Credit cards—(i) Person extending credit through credit cards. The term person extending credit through the use of credit cards or similar devices under section 7603(b)(2)(C) generally includes any person who issues a credit card. The term does not...

  12. 26 CFR 301.7603-2 - Third-party recordkeepers.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... possession of the United States, or of the District of Columbia. (3) Credit cards—(i) Person extending credit through credit cards. The term person extending credit through the use of credit cards or similar devices under section 7603(b)(2)(C) generally includes any person who issues a credit card. The term does not...

  13. 26 CFR 301.7603-2 - Third-party recordkeepers.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... possession of the United States, or of the District of Columbia. (3) Credit cards—(i) Person extending credit through credit cards. The term person extending credit through the use of credit cards or similar devices under section 7603(b)(2)(C) generally includes any person who issues a credit card. The term does not...

  14. 12 CFR 226.52 - Limitations on fees.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... TRUTH IN LENDING (REGULATION Z) Special Rules Applicable to Credit Card Accounts and Open-End Credit... charges any fees to a credit card account under an open-end (not home-secured) consumer credit plan during... of a credit card account under an open-end (not home-secured) consumer credit plan unless the dollar...

  15. 26 CFR 301.7603-2 - Third-party recordkeepers.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... possession of the United States, or of the District of Columbia. (3) Credit cards—(i) Person extending credit through credit cards. The term person extending credit through the use of credit cards or similar devices under section 7603(b)(2)(C) generally includes any person who issues a credit card. The term does not...

  16. Credit Card Attitudes and Behaviors of College Students

    ERIC Educational Resources Information Center

    Joo, S.-H.; Grable, J. E.; Bagwell, D. C.

    2005-01-01

    At a southwestern public university, 242 students responded to a questionnaire about their credit-card use and attitudes. The results revealed that about 70 percent of the students held one or more credit cards, and about 10 percent had five or more credit cards. Twenty-two percent never kept copies of their charge slips, and only 49 percent paid…

  17. 31 CFR 544.409 - Credit extended and cards issued by U.S. financial institutions.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false Credit extended and cards issued by U... agreements, including, but not limited to, charge cards, debit cards, or other credit facilities issued by a... OF MASS DESTRUCTION PROLIFERATORS SANCTIONS REGULATIONS Interpretations § 544.409 Credit extended and...

  18. 25 CFR 11.422 - Unauthorized use of credit cards.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 25 Indians 1 2010-04-01 2010-04-01 false Unauthorized use of credit cards. 11.422 Section 11.422... LAW AND ORDER CODE Criminal Offenses § 11.422 Unauthorized use of credit cards. (a) A person commits a misdemeanor if he or she uses a credit card for the purpose of obtaining property or services with knowledge...

  19. 31 CFR 587.408 - Credit extended and cards issued by U.S. financial institutions.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false Credit extended and cards issued by U... Credit extended and cards issued by U.S. financial institutions. Section 587.201 on dealing in property... institutions from performing under any existing credit agreements, including, but not limited to, charge cards...

  20. 77 FR 10958 - International Services Surveys: BE-150, Quarterly Survey of Cross-Border Credit, Debit, and...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-02-24

    ...-Border Credit, Debit, and Charge Card Transactions, to change the survey title, and to collect data in... from Quarterly Survey of Cross-Border Credit, Debit, and Charge Card Transactions to Quarterly Survey... Survey of Cross-Border Credit, Debit, and Charge Card Transactions to Quarterly Survey of Payment Card...

  1. 25 CFR 11.422 - Unauthorized use of credit cards.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 25 Indians 1 2011-04-01 2011-04-01 false Unauthorized use of credit cards. 11.422 Section 11.422... LAW AND ORDER CODE Criminal Offenses § 11.422 Unauthorized use of credit cards. (a) A person commits a misdemeanor if he or she uses a credit card for the purpose of obtaining property or services with knowledge...

  2. 25 CFR 11.422 - Unauthorized use of credit cards.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 25 Indians 1 2013-04-01 2013-04-01 false Unauthorized use of credit cards. 11.422 Section 11.422... LAW AND ORDER CODE Criminal Offenses § 11.422 Unauthorized use of credit cards. (a) A person commits a misdemeanor if he or she uses a credit card for the purpose of obtaining property or services with knowledge...

  3. 25 CFR 11.422 - Unauthorized use of credit cards.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 25 Indians 1 2012-04-01 2011-04-01 true Unauthorized use of credit cards. 11.422 Section 11.422... LAW AND ORDER CODE Criminal Offenses § 11.422 Unauthorized use of credit cards. (a) A person commits a misdemeanor if he or she uses a credit card for the purpose of obtaining property or services with knowledge...

  4. 25 CFR 11.422 - Unauthorized use of credit cards.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 25 Indians 1 2014-04-01 2014-04-01 false Unauthorized use of credit cards. 11.422 Section 11.422... LAW AND ORDER CODE Criminal Offenses § 11.422 Unauthorized use of credit cards. (a) A person commits a misdemeanor if he or she uses a credit card for the purpose of obtaining property or services with knowledge...

  5. 12 CFR Rules for Card Issuers That... - by-Transaction Basis

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... THE FEDERAL RESERVE SYSTEM TRUTH IN LENDING (REGULATION Z) Special Rules Applicable to Credit Card... Subpart B apply if credit cards are issued and the card issuer and the seller are the same or related... creditor have an agreement authorizing the seller to honor the creditor's credit card. 1. Section 226.6(a...

  6. 12 CFR Rules for Card Issuers That... - by-Transaction Basis

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... THE FEDERAL RESERVE SYSTEM TRUTH IN LENDING (REGULATION Z) Special Rules Applicable to Credit Card... Subpart B apply if credit cards are issued and the card issuer and the seller are the same or related... creditor have an agreement authorizing the seller to honor the creditor's credit card. 1. Section 226.6(a...

  7. 12 CFR 226.51 - Ability to Pay.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... LENDING (REGULATION Z) Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to... issuer must not open a credit card account for a consumer under an open-end (not home-secured) consumer credit plan, or increase any credit limit applicable to such account, unless the card issuer considers...

  8. 12 CFR 226.59 - Reevaluation of rate increases.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... SYSTEM (CONTINUED) TRUTH IN LENDING (REGULATION Z) Special Rules Applicable to Credit Card Accounts and... to a credit card account under an open-end (not home-secured) consumer credit plan, based on the... new credit card accounts under an open-end (not home-secured) consumer credit plan. (2) Rate increases...

  9. 12 CFR 226.51 - Ability to Pay.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... LENDING (REGULATION Z) Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to... issuer must not open a credit card account for a consumer under an open-end (not home-secured) consumer credit plan, or increase any credit limit applicable to such account, unless the card issuer considers...

  10. 12 CFR 226.59 - Reevaluation of rate increases.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... SYSTEM (CONTINUED) TRUTH IN LENDING (REGULATION Z) Special Rules Applicable to Credit Card Accounts and... to a credit card account under an open-end (not home-secured) consumer credit plan, based on the... new credit card accounts under an open-end (not home-secured) consumer credit plan. (2) Rate increases...

  11. 12 CFR 226.1 - Authority, purpose, coverage, organization, enforcement, and liability.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... consumer's principal dwelling, regulates certain credit card practices, and provides a means for fair and... charges applicable to credit card accounts under an open-end (not home-secured) consumer credit plan. The... credit is primarily for personal, family, or household purposes. (2) If a credit card is involved...

  12. 27 CFR 70.26 - Third-party recordkeepers.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... admitted to the bar of a State or the District of Columbia. (3) Credit cards—(i) Person extending credit through credit cards. The term “person extending credit through credit cards or similar devices” under 26 U.S.C. 7609(a)(3)(C) generally includes any person who issues a credit card. It does not include a...

  13. 27 CFR 70.26 - Third-party recordkeepers.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... admitted to the bar of a State or the District of Columbia. (3) Credit cards—(i) Person extending credit through credit cards. The term “person extending credit through credit cards or similar devices” under 26 U.S.C. 7609(a)(3)(C) generally includes any person who issues a credit card. It does not include a...

  14. 27 CFR 70.26 - Third-party recordkeepers.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... admitted to the bar of a State or the District of Columbia. (3) Credit cards—(i) Person extending credit through credit cards. The term “person extending credit through credit cards or similar devices” under 26 U.S.C. 7609(a)(3)(C) generally includes any person who issues a credit card. It does not include a...

  15. Office of Inspector General audit report on credit card usage at the Ohio Field Office and the Fernald and Miamisburg Environmental Management Projects

    DOE Office of Scientific and Technical Information (OSTI.GOV)

    NONE

    1999-03-01

    In 1994 the Department of Energy (Department) obtained the services of Rocky Mountain BankCard System, through the use of a General Services Administration contract, as a means for the Department and its contractors to make small purchases. The use of credit cards was expected to simplify small purchase procedures and improve cash management. The Ohio Field Office (Field Office) uses the credit card system and oversees usage by its area offices. Contractors under the Field Office also use the credit card system to make small purchases. The Office of Inspector General (OIG) has issued one audit report concerning the usemore » of credit cards. In April 1996, the OIG issued Report WR-B-96-06, Audit of Bonneville Power Administration`s Management of Information Resources. The audit concluded that improvements could be made in implementing credit card and property procedures in Bonneville`s management of computer-related equipment. Specifically, many credit card purchases were made by employees whose authority to buy was not properly documented, and the purchasing files often lacked invoices that would show what was purchased. Additionally, some cardholders split purchases to avoid credit card limits. The objective of this audit was to determine whether the Field Office, Fernald and Miamisburg Environmental Management Projects, Fluor Daniel, and B and W were using credit cards for the appropriate purposes and within the limitations established by Federal and Departmental regulations.« less

  16. 75 FR 7925 - Truth in Lending

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-02-22

    ... Credit Card Act and incorporated in the new final rule. Therefore, the Board is withdrawing the January... for open-end (not home- secured) credit, including credit cards. The rule made comprehensive changes... disclosures: Credit card applications and solicitations, account-opening disclosures, periodic statements...

  17. 5 CFR 3101.108 - Additional rules for Office of the Comptroller of the Currency employees.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... that owns or sponsors a credit card bank as defined by the Competitive Equality Banking Act of 1987... regulation or supervision of the nonbank bank or the credit card bank; (iii) Using a commercial bank or... such a covered OCC employee, may seek or obtain a credit card from a national bank if the credit card...

  18. 5 CFR 3101.108 - Additional rules for Office of the Comptroller of the Currency employees.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... that owns or sponsors a credit card bank as defined by the Competitive Equality Banking Act of 1987... regulation or supervision of the nonbank bank or the credit card bank; (iii) Using a commercial bank or... such a covered OCC employee, may seek or obtain a credit card from a national bank if the credit card...

  19. 5 CFR 3101.108 - Additional rules for Office of the Comptroller of the Currency employees.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... that owns or sponsors a credit card bank as defined by the Competitive Equality Banking Act of 1987... regulation or supervision of the nonbank bank or the credit card bank; (iii) Using a commercial bank or... such a covered OCC employee, may seek or obtain a credit card from a national bank if the credit card...

  20. 5 CFR 3101.108 - Additional rules for Office of the Comptroller of the Currency employees.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... that owns or sponsors a credit card bank as defined by the Competitive Equality Banking Act of 1987... regulation or supervision of the nonbank bank or the credit card bank; (iii) Using a commercial bank or... such a covered OCC employee, may seek or obtain a credit card from a national bank if the credit card...

  1. 12 CFR 334.91 - Duties of card issuers regarding changes of address.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... STATEMENTS OF GENERAL POLICY FAIR CREDIT REPORTING Identity Theft Red Flags § 334.91 Duties of card issuers regarding changes of address. (a) Scope. This section applies to an issuer of a debit or credit card (card... been issued a credit or debit card. (2) Clear and conspicuous means reasonably understandable and...

  2. 12 CFR 41.91 - Duties of card issuers regarding changes of address.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... FAIR CREDIT REPORTING Identity Theft Red Flags § 41.91 Duties of card issuers regarding changes of address. (a) Scope. This section applies to an issuer of a debit or credit card (card issuer) that is a... means a consumer who has been issued a credit or debit card. (2) Clear and conspicuous means reasonably...

  3. 12 CFR 571.91 - Duties of card issuers regarding changes of address.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... FAIR CREDIT REPORTING Identity Theft Red Flags § 571.91 Duties of card issuers regarding changes of address. (a) Scope. This section applies to an issuer of a debit or credit card (card issuer) that is a... consumer who has been issued a credit or debit card. (2) Clear and conspicuous means reasonably...

  4. 7 CFR 1485.13 - Application process and strategic plan.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... business cards; (viii) The cost of seasonal greeting cards; (ix) Fees for office parking; (x) The cost of subscriptions to publications; (xi) The cost of activities conducted overseas; (xii) Credit card fees; (xiii... fees or similar sales expenditures; (x) Membership fees in clubs and social organizations; and (xi) Any...

  5. 12 CFR 1026.56 - Requirements for over-the-limit transactions.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... (REGULATION Z) Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College... section, the term “over-the-limit transaction” means any extension of credit by a card issuer to complete a transaction that causes a consumer's credit card account balance to exceed the credit limit. (b...

  6. 12 CFR 226.53 - Allocation of payments.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... (CONTINUED) TRUTH IN LENDING (REGULATION Z) Special Rules Applicable to Credit Card Accounts and Open-End... periodic payment for a credit card account under an open-end (not home-secured) consumer credit plan, the... program. When a balance on a credit card account under an open-end (not home-secured) consumer credit plan...

  7. 12 CFR 1026.52 - Limitations on fees.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... Applicable to Credit Card Accounts and Open-End Credit Offered to College Students § 1026.52 Limitations on... required to pay with respect to a credit card account under an open-end (not home-secured) consumer credit... terms or other requirements of a credit card account under an open-end (not home-secured) consumer...

  8. 12 CFR 226.53 - Allocation of payments.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... (CONTINUED) TRUTH IN LENDING (REGULATION Z) Special Rules Applicable to Credit Card Accounts and Open-End... periodic payment for a credit card account under an open-end (not home-secured) consumer credit plan, the... program. When a balance on a credit card account under an open-end (not home-secured) consumer credit plan...

  9. 12 CFR 1026.56 - Requirements for over-the-limit transactions.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... (REGULATION Z) Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College... section, the term “over-the-limit transaction” means any extension of credit by a card issuer to complete a transaction that causes a consumer's credit card account balance to exceed the credit limit. (b...

  10. 12 CFR 1026.52 - Limitations on fees.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... Applicable to Credit Card Accounts and Open-End Credit Offered to College Students § 1026.52 Limitations on... required to pay with respect to a credit card account under an open-end (not home-secured) consumer credit... terms or other requirements of a credit card account under an open-end (not home-secured) consumer...

  11. 12 CFR 1026.52 - Limitations on fees.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... Applicable to Credit Card Accounts and Open-End Credit Offered to College Students § 1026.52 Limitations on... required to pay with respect to a credit card account under an open-end (not home-secured) consumer credit... fees. A card issuer must not impose a fee for violating the terms or other requirements of a credit...

  12. 12 CFR 1026.56 - Requirements for over-the-limit transactions.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... (REGULATION Z) Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College... section, the term “over-the-limit transaction” means any extension of credit by a card issuer to complete a transaction that causes a consumer's credit card account balance to exceed the credit limit. (b...

  13. Preventing the threat of credit-card fraud: Factors influencing cashiers' identification-checking behavior.

    PubMed

    Downing, Christopher; Howard, E Henry; Goodwin, Christina; Geller, E Scott

    2016-01-01

    Two studies examined factors influencing cashiers' identification (ID)-checking behavior in order to inform the development of interventions to prevent credit-card fraud. In both studies, research assistants made credit purchases in various stores and noted the cashiers' ID-checking behavior. In the first study, the store type, whether the cashier swiped the credit/debit card, the amount of the purchase, and whether the credit/debit card was signed significantly influenced ID-checking behavior. In the second study, an A-B-A design was used to evaluate the impact of a "Check my ID" prompt placed on the credit/debit card. The prompt increased cashiers' ID-checking behavior from 5.9% at Baseline to 10.3% during the Intervention. When the prompt was removed, the cashiers' ID-checking behavior decreased to 7.2%. Implications for further intervention research to prevent credit-card fraud are discussed.

  14. Maxed out: The Relationship between Credit Card Debt, Credit Card Distress and Grade Point Averages for College Students

    ERIC Educational Resources Information Center

    Smith, Temple Day

    2011-01-01

    Few students leave college with a plan for paying off their debt. Starting a career inundated with student loans and credit card debt burdens is a reality many college students face today. In the wake of graduation coming to terms with the consequences of credit card debt is stressful for many students. This dissertation observes the relationship…

  15. 12 CFR 222.91 - Duties of card issuers regarding changes of address.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... described in § 222.90(a) that issues a debit or credit card (card issuer). (b) Definitions. For purposes of this section: (1) Cardholder means a consumer who has been issued a credit or debit card. (2) Clear and... notification of a change of address for a consumer's debit or credit card account and, within a short period of...

  16. 12 CFR Appendix E to Part 226 - Rules For Card Issuers That Bill on a Transaction-By-Transaction Basis

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... provisions of Subpart B apply if credit cards are issued and (1) the card issuer and the seller are the same... 226.10. Section 226.11. This section applies when a card issuer receives a payment or other credit... Bill on a Transaction-by-Transaction Basis The following provisions of Subpart B apply if credit cards...

  17. 12 CFR 227.21 - Definitions.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... DECEPTIVE ACTS OR PRACTICES (REGULATION AA) Consumer Credit Card Account Practices Rule § 227.21 Definitions... product of multiplying each periodic rate for a balance or transaction on a consumer credit card account.... (b) “Consumer” means a natural person to whom credit is extended under a consumer credit card account...

  18. 12 CFR 226.1 - Authority, purpose, coverage, organization, enforcement, and liability.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... credit card practices, and provides a means for fair and timely resolution of credit billing disputes... in Subpart G set forth special rules addressing certain charges applicable to credit card accounts... card is involved, however, certain provisions apply even if the credit is not subject to a finance...

  19. 12 CFR 226.1 - Authority, purpose, coverage, organization, enforcement, and liability.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... credit card practices, and provides a means for fair and timely resolution of credit billing disputes... in Subpart G set forth special rules addressing certain charges applicable to credit card accounts... card is involved, however, certain provisions apply even if the credit is not subject to a finance...

  20. A credit card verifier structure using diffraction and spectroscopy concepts

    NASA Astrophysics Data System (ADS)

    Sumriddetchkajorn, Sarun; Intaravanne, Yuttana

    2008-04-01

    We propose and experimentally demonstrate an angle-multiplexing based optical structure for verifying a credit card. Our key idea comes from the fact that the fine detail of the embossed hologram stamped on the credit card is hard to duplicate and therefore its key color features can be used for distinguishing between the real and counterfeit ones. As the embossed hologram is a diffractive optical element, we choose to shine one at a time a number of broadband lightsources, each at different incident angle, on the embossed hologram of the credit card in such a way that different color spectra per incident angle beam is diffracted and separated in space. In this way, the number of pixels of each color plane is investigated. Then we apply a feed forward back propagation neural network configuration to separate the counterfeit credit card from the real one. Our experimental demonstration using two off-the-shelf broadband white light emitting diodes, one digital camera, a 3-layer neural network, and a notebook computer can identify all 69 counterfeit credit cards from eight real credit cards.

  1. A Cognitive Analysis of Credit Card Acquisition and College Student Financial Development.

    ERIC Educational Resources Information Center

    Kidwell, Blair; Turrisi, Robert

    2000-01-01

    Examines cognitions relevant to credit card decision making in college-aged participants (N=304). Assesses measures of beliefs, attitudes, and behavioral alternatives toward acquiring a credit card. Identifies a multivariate model predicting college student financial development of the attitudes and behavioral tendencies of acquiring a new card.…

  2. Store Security. Credit Card Fraud.

    ERIC Educational Resources Information Center

    Brockway, Jerry

    The manual, intended for use by adults and not in the high school classroom situation, presents material directed toward assisting in the reduction of credit card crime. This teaching guide is organized in three sections which deal with the nature of and major reasons for credit card fraud, the types of hot card runners, and methods of reducing…

  3. 12 CFR 227.26 - Unfair charging of security deposits and fees for the issuance or availability of credit to...

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... for the issuance or availability of credit to consumer credit card accounts. 227.26 Section 227.26... UNFAIR OR DECEPTIVE ACTS OR PRACTICES (REGULATION AA) Consumer Credit Card Account Practices Rule § 227... consumer credit card accounts. (a) Limitation for first year. During the first year, a bank must not charge...

  4. Determinants affecting consumer adoption of contactless credit card: an empirical study.

    PubMed

    Wang, Yu-Min

    2008-12-01

    The contactless credit card is one of the most promising technological innovations in the field of electronic payments. It provides consumers with greater control of payments, convenience, and transaction speed. However, contactless credit cards have yet to gain significant rates of adoption in the marketplace. Thus, effort must be made to identify factors affecting consumer adoption of contactless credit cards. Based on the technology acceptance model, innovation diffusion theory, and the relevant literature, seven variables (perceived usefulness, perceived ease of use, compatibility, perceived risk, trust, consumer involvement, availability of infrastructure) are proposed to help predict consumer adoption of contactless credit cards. Data collected from 312 respondents in Taiwan is tested against the proposed prediction model using the logistic regression approach. The results and implications of our study contribute to an expanded understanding of the factors that affect consumer adoption of contactless credit cards.

  5. Vulnerabilities in First-Generation RFID-enabled Credit Cards

    NASA Astrophysics Data System (ADS)

    Heydt-Benjamin, Thomas S.; Bailey, Daniel V.; Fu, Kevin; Juels, Ari; O'Hare, Tom

    RFID-enabled credit cards are widely deployed in the United States and other countries, but no public study has thoroughly analyzed the mechanisms that provide both security and privacy. Using samples from a variety of RFID-enabled credit cards, our study observes that (1) the cardholder's name and often credit card number and expiration are leaked in plaintext to unauthenticated readers, (2) our homemade device costing around 150 effectively clones one type of skimmed cards thus providing a proof-of-concept implementation for the RF replay attack, (3) information revealed by the RFID transmission cross contaminates the security of RFID and non-RFID payment contexts, and (4) RFID-enabled credit cards are susceptible in various degrees to a range of other traditional RFID attacks such as skimming and relaying.

  6. 12 CFR 226.58 - Internet posting of credit card agreements.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 12 Banks and Banking 3 2013-01-01 2013-01-01 false Internet posting of credit card agreements. 226.58 Section 226.58 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE... Accounts and Open-End Credit Offered to College Students § 226.58 Internet posting of credit card...

  7. 12 CFR 226.58 - Internet posting of credit card agreements.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 12 Banks and Banking 3 2012-01-01 2012-01-01 false Internet posting of credit card agreements. 226.58 Section 226.58 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE... and Open-End Credit Offered to College Students § 226.58 Internet posting of credit card agreements...

  8. 12 CFR 226.58 - Internet posting of credit card agreements.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 12 Banks and Banking 3 2014-01-01 2014-01-01 false Internet posting of credit card agreements. 226.58 Section 226.58 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE... Accounts and Open-End Credit Offered to College Students § 226.58 Internet posting of credit card...

  9. 12 CFR 226.3 - Exempt transactions.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... following: 4 4 The provisions in § 226.12 (a) and (b) governing the issuance of credit cards and the liability for their unauthorized use apply to all credit cards, even if the credit cards are issued for use in connection with extensions of credit that otherwise are exempt under this section. (a) Business...

  10. 76 FR 66872 - International Services Surveys: Amendments to the BE-150, Quarterly Survey of Cross-Border Credit...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-10-28

    ...-Border Credit, Debit, and Charge Card Transactions AGENCY: Bureau of Economic Analysis, Commerce. ACTION... information on the BE-150, Quarterly Survey of Cross-Border Credit, Debit, and Charge Card Transactions... change the survey title from Quarterly Survey of Cross-Border Credit, Debit, and Charge Card Transactions...

  11. 12 CFR 1026.59 - Reevaluation of rate increases.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ...) Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students § 1026.59... an annual percentage rate that applies to a credit card account under an open-end (not home-secured... percentage rates applicable to similar new credit card accounts under an open-end (not home-secured) consumer...

  12. 12 CFR 1026.53 - Allocation of payments.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... Applicable to Credit Card Accounts and Open-End Credit Offered to College Students § 1026.53 Allocation of... payment in excess of the required minimum periodic payment for a credit card account under an open-end (not home-secured) consumer credit plan, the card issuer must allocate the excess amount first to the...

  13. 12 CFR 226.59 - Reevaluation of rate increases.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... SYSTEM TRUTH IN LENDING (REGULATION Z) Special Rules Applicable to Credit Card Accounts and Open-End...) Evaluation of increased rate. If a card issuer increases an annual percentage rate that applies to a credit card account under an open-end (not home-secured) consumer credit plan, based on the credit risk of the...

  14. 12 CFR 1026.59 - Reevaluation of rate increases.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ...) Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students § 1026.59... an annual percentage rate that applies to a credit card account under an open-end (not home-secured... percentage rates applicable to similar new credit card accounts under an open-end (not home-secured) consumer...

  15. 12 CFR 1026.59 - Reevaluation of rate increases.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ...) Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students § 1026.59... an annual percentage rate that applies to a credit card account under an open-end (not home-secured... percentage rates applicable to similar new credit card accounts under an open-end (not home-secured) consumer...

  16. 12 CFR 226.59 - Reevaluation of rate increases.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... SYSTEM TRUTH IN LENDING (REGULATION Z) Special Rules Applicable to Credit Card Accounts and Open-End...) Evaluation of increased rate. If a card issuer increases an annual percentage rate that applies to a credit card account under an open-end (not home-secured) consumer credit plan, based on the credit risk of the...

  17. 16 CFR 433.1 - Definitions.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ..., for the purposes of a particular transaction, in the capacity of a credit card issuer. (d) Purchase... card issuer. A person who extends to cardholders the right to use a credit card in connection with... credit to a consumer in connection with a “Credit Sale” within the meaning of the Truth in Lending Act...

  18. 12 CFR 1026.53 - Allocation of payments.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... Applicable to Credit Card Accounts and Open-End Credit Offered to College Students § 1026.53 Allocation of... payment in excess of the required minimum periodic payment for a credit card account under an open-end (not home-secured) consumer credit plan, the card issuer must allocate the excess amount first to the...

  19. 16 CFR 433.1 - Definitions.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ..., for the purposes of a particular transaction, in the capacity of a credit card issuer. (d) Purchase... card issuer. A person who extends to cardholders the right to use a credit card in connection with... credit to a consumer in connection with a “Credit Sale” within the meaning of the Truth in Lending Act...

  20. 12 CFR 226.52 - Limitations on fees.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... TRUTH IN LENDING (REGULATION Z) Special Rules Applicable to Credit Card Accounts and Open-End Credit... section, the total amount of fees a consumer is required to pay with respect to a credit card account... not impose a fee for violating the terms or other requirements of a credit card account under an open...

  1. 12 CFR 1026.53 - Allocation of payments.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... Applicable to Credit Card Accounts and Open-End Credit Offered to College Students § 1026.53 Allocation of... payment in excess of the required minimum periodic payment for a credit card account under an open-end (not home-secured) consumer credit plan, the card issuer must allocate the excess amount first to the...

  2. 12 CFR 226.58 - Internet posting of credit card agreements.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 12 Banks and Banking 3 2011-01-01 2011-01-01 false Internet posting of credit card agreements. 226.58 Section 226.58 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE... and Open-End Credit Offered to College Students § 226.58 Internet posting of credit card agreements...

  3. MVRTA Charge-A-Ride Program : Credit Card Fare Post-Payment in Haverhill, MA.

    DOT National Transportation Integrated Search

    1988-03-01

    This report presents an evaluation of a demonstration of automated fare collection using on-board credit card readers and recorders on general revenue service buses in Haverhill, Massachusetts. The demonstration project employed a credit card system ...

  4. Predicting credit card behavior: a study in neuroeconomics.

    PubMed

    Spinella, Marcello; Lester, David; Yang, Bijou

    2005-06-01

    In a sample of 139 community residents, credit card ownership was associated with age, sex, income, attitudes toward credit cards and toward money, and scores on a verbal measure of prefrontal cortical dysfunction, supporting a neuroeconomic approach to economic decision-making.

  5. 5 CFR 3101.109 - Additional rules for Office of Thrift Supervision employees.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... guarantor of the loan or extension of credit. (3) Exceptions—(i) Credit cards. A covered OTS employee (or a spouse or minor child of a covered OTS employee) may obtain and hold a credit card account established... for the credit card account that are generally applicable to all applicants for the same type of...

  6. 5 CFR 3101.109 - Additional rules for Office of Thrift Supervision employees.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... guarantor of the loan or extension of credit. (3) Exceptions—(i) Credit cards. A covered OTS employee (or a spouse or minor child of a covered OTS employee) may obtain and hold a credit card account established... for the credit card account that are generally applicable to all applicants for the same type of...

  7. 5 CFR 3101.109 - Additional rules for Office of Thrift Supervision employees.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... guarantor of the loan or extension of credit. (3) Exceptions—(i) Credit cards. A covered OTS employee (or a spouse or minor child of a covered OTS employee) may obtain and hold a credit card account established... for the credit card account that are generally applicable to all applicants for the same type of...

  8. 5 CFR 3101.109 - Additional rules for Office of Thrift Supervision employees.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... guarantor of the loan or extension of credit. (3) Exceptions—(i) Credit cards. A covered OTS employee (or a spouse or minor child of a covered OTS employee) may obtain and hold a credit card account established... for the credit card account that are generally applicable to all applicants for the same type of...

  9. Comment on McCall, Trombetta, and Gipe's 2004 proposed impression management explanation for the credit card effect.

    PubMed

    Spangenberg, Eric R

    2005-08-01

    There is a dearth of empirically supported theoretical explanation since its introduction; Feinberg's 1986 credit card effect showed greater product valuations and donation intentions by experimental participants when asked to make such estimates in the presence of credit card stimuli. This comment on McCall, Trombetta, and Gipe (2004) notes potential flaws and adjudged over-interpretation of results in their attempt to replicate successfully and derive theoretical explanation for the credit card effect.

  10. 31 CFR 1028.500 - General.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... ENFORCEMENT NETWORK, DEPARTMENT OF THE TREASURY RULES FOR OPERATORS OF CREDIT CARD SYSTEMS Special Information... credit card systems are subject to the special information sharing procedures to deter money laundering... credit card systems should also refer to subpart E of part 1010 of this chapter for special information...

  11. 31 CFR 1028.500 - General.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... ENFORCEMENT NETWORK, DEPARTMENT OF THE TREASURY RULES FOR OPERATORS OF CREDIT CARD SYSTEMS Special Information... credit card systems are subject to the special information sharing procedures to deter money laundering... credit card systems should also refer to subpart E of part 1010 of this chapter for special information...

  12. 31 CFR 1028.500 - General.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... ENFORCEMENT NETWORK, DEPARTMENT OF THE TREASURY RULES FOR OPERATORS OF CREDIT CARD SYSTEMS Special Information... credit card systems are subject to the special information sharing procedures to deter money laundering... credit card systems should also refer to subpart E of part 1010 of this chapter for special information...

  13. 31 CFR 1028.500 - General.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... ENFORCEMENT NETWORK, DEPARTMENT OF THE TREASURY RULES FOR OPERATORS OF CREDIT CARD SYSTEMS Special Information... credit card systems are subject to the special information sharing procedures to deter money laundering... credit card systems should also refer to subpart E of part 1010 of this chapter for special information...

  14. 5 CFR 3201.102 - Extensions of credit and loans from FDIC-insured institutions.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... through the use of a credit card on the same terms and conditions as are offered to the general public. (3...-insured State nonmember bank or its subsidiary. (2) Exceptions: (i) Credit cards. A covered employee (or spouse or minor child of a covered employee) may obtain and hold a credit card account established under...

  15. 12 CFR 226.55 - Limitations on increasing annual percentage rates, fees, and charges.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students § 226.55... required to be disclosed under § 226.6(b)(2)(ii), (b)(2)(iii), or (b)(2)(xii) on a credit card account under an open-end (not home-secured) consumer credit plan. (b) Exceptions. A card issuer may increase an...

  16. 5 CFR 3201.102 - Extensions of credit and loans from FDIC-insured institutions.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... through the use of a credit card on the same terms and conditions as are offered to the general public. (3...-insured State nonmember bank or its subsidiary. (2) Exceptions: (i) Credit cards. A covered employee (or spouse or minor child of a covered employee) may obtain and hold a credit card account established under...

  17. 12 CFR 226.55 - Limitations on increasing annual percentage rates, fees, and charges.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students § 226.55... required to be disclosed under § 226.6(b)(2)(ii), (b)(2)(iii), or (b)(2)(xii) on a credit card account under an open-end (not home-secured) consumer credit plan. (b) Exceptions. A card issuer may increase an...

  18. Relationship of credit attitude and debt to self-esteem and locus of control in college-age consumers.

    PubMed

    Pinto, Mary Beth; Mansfield, Phylis M; Parente, Diane H

    2004-06-01

    College-age consumers are one of the groups most highly targeted by credit card marketers. While some college students use their credit cards wisely, others are unable to control their spending. The objective of this study was to investigate differences in attitude toward credit cards and the psychological factors of self-esteem and locus of control among college students who possess one or more credit cards. Attitude was operationalized to include three underlying components: cognitive, affective, and behavioral. We separated credit users into subcategories based on amount of installment debt. Convenience users were defined as those consumers who paid the credit-card balance in full each month. Installment users were classified as consumers who carried a balance month-to-month. Convenience users were compared to mild and heavy installment users to assess significance of differences in attitudinal and psychological factors. There were no significant differences in the psychological factors across the credit-card user groups. In addition, there was a statistically significant difference on each of the attitude components (knowledge/beliefs, affect, and behavior) across user groups; convenience users, mild installment, and heavy installment users.

  19. Variables Influencing Credit Card Balances of Students at a Midwestern University

    ERIC Educational Resources Information Center

    Mattson, Lucretia; Sahlhoff, Kathleen; Blackstone, Judith; Peden, Blaine; Nahm, Abraham Y.

    2004-01-01

    This research used a Web-based survey of students at a Midwest regional university to measure the extent of credit card use by first-year students and seniors. The results indicate that the variables influencing credit card use and the carrying of a balance from one month to the next include the number of cards held by the student, the student's…

  20. 36 CFR 1254.84 - How may I use a debit card for copiers in the Washington, DC, area?

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ..., money order, debit card, or credit card. Your researcher identification card number as encoded on the... 1253 of this chapter, you may use cash or credit card to purchase a debit card from the vending... 36 Parks, Forests, and Public Property 3 2010-07-01 2010-07-01 false How may I use a debit card...

  1. 41 CFR 109-38.800 - General.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 38-MOTOR EQUIPMENT MANAGEMENT 38.8-Standard Form 149, U.S. Government National Credit Card § 109-38... the administrative control of fleet credit cards. Administrative control shall include, as a minimum: (1) A reconciliation of on-hand credit cards with the inventory list provided by GSA, (2) Providing...

  2. 41 CFR 109-38.800 - General.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 38-MOTOR EQUIPMENT MANAGEMENT 38.8-Standard Form 149, U.S. Government National Credit Card § 109-38... the administrative control of fleet credit cards. Administrative control shall include, as a minimum: (1) A reconciliation of on-hand credit cards with the inventory list provided by GSA, (2) Providing...

  3. 41 CFR 109-38.800 - General.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... 38-MOTOR EQUIPMENT MANAGEMENT 38.8-Standard Form 149, U.S. Government National Credit Card § 109-38... the administrative control of fleet credit cards. Administrative control shall include, as a minimum: (1) A reconciliation of on-hand credit cards with the inventory list provided by GSA, (2) Providing...

  4. 41 CFR 109-38.800 - General.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 38-MOTOR EQUIPMENT MANAGEMENT 38.8-Standard Form 149, U.S. Government National Credit Card § 109-38... the administrative control of fleet credit cards. Administrative control shall include, as a minimum: (1) A reconciliation of on-hand credit cards with the inventory list provided by GSA, (2) Providing...

  5. 77 FR 37558 - Disclosure of Certain Credit Card Complaint Data

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-06-22

    ... publication of a public consumer complaint database that, instead of aiding complainants, enables data mining... Certain Credit Card Complaint Data AGENCY: Bureau of Consumer Financial Protection. ACTION: Notice of... Bureau plans to exercise its discretion to publicly disclose certain credit card complaint data that do...

  6. 49 CFR 1312.4 - Filing of tariffs.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... of pages transmitted; (iii) The filing fee enclosed, the account number to be billed, or the credit card to be charged; (iv) The transmittal number if the filer utilizes transmittal numbers; and (v) If the filing fee is charged to a credit card, the credit card number and expiration date, and an...

  7. 41 CFR 101-39.306 - Operator's packet.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... Standard Form 149, U.S. Government National Credit Card; (f) List of contractors from which vehicle operators may purchase items authorized by the SF 149, U.S. Government National Credit Card; (g) Accident... safeguarding and protecting the SF 149, U.S. Government National Credit Card. [51 FR 11023, Apr. 1, 1986, as...

  8. 77 FR 2685 - Proposed Collection; Comment Request

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-01-19

    ..., Report of Terms of Credit Card Plans. DATES: Written comments must be received on or before March 19... (202) 435-7678. SUPPLEMENTARY INFORMATION: Title: Report of Terms of Credit Card Plans. OMB Control... of Terms of Credit Card, from the Federal Reserve Board to the CFPB on July 21, 2011. About 150...

  9. College Student Performance and Credit Card Usage.

    ERIC Educational Resources Information Center

    Pinto, Mary Beth; Parente, Diane H.; Palmer, Todd Starr

    2001-01-01

    Examines the relationship between credit card usage, employment, and academic performance among a group of college students with credit cards. Results reveal that the students differed significantly in the level of anxiety felt from carrying debt, perceived need to work, and perceived impact of employment on academic performance. (Contains 57…

  10. 31 CFR 1028.200 - General.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... ENFORCEMENT NETWORK, DEPARTMENT OF THE TREASURY RULES FOR OPERATORS OF CREDIT CARD SYSTEMS Programs § 1028.200 General. Operators of credit card systems are subject to the program requirements set forth and cross referenced in this subpart. Operators of credit card systems should also refer to Subpart B of Part 1010 of...

  11. 49 CFR 1312.4 - Filing of tariffs.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... of pages transmitted; (iii) The filing fee enclosed, the account number to be billed, or the credit card to be charged; (iv) The transmittal number if the filer utilizes transmittal numbers; and (v) If the filing fee is charged to a credit card, the credit card number and expiration date, and an...

  12. 31 CFR 1028.200 - General.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... ENFORCEMENT NETWORK, DEPARTMENT OF THE TREASURY RULES FOR OPERATORS OF CREDIT CARD SYSTEMS Programs § 1028.200 General. Operators of credit card systems are subject to the program requirements set forth and cross referenced in this subpart. Operators of credit card systems should also refer to Subpart B of Part 1010 of...

  13. 49 CFR 1312.4 - Filing of tariffs.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... of pages transmitted; (iii) The filing fee enclosed, the account number to be billed, or the credit card to be charged; (iv) The transmittal number if the filer utilizes transmittal numbers; and (v) If the filing fee is charged to a credit card, the credit card number and expiration date, and an...

  14. 31 CFR 1028.200 - General.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... ENFORCEMENT NETWORK, DEPARTMENT OF THE TREASURY RULES FOR OPERATORS OF CREDIT CARD SYSTEMS Programs § 1028.200 General. Operators of credit card systems are subject to the program requirements set forth and cross referenced in this subpart. Operators of credit card systems should also refer to Subpart B of Part 1010 of...

  15. 41 CFR 101-39.306 - Operator's packet.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... Standard Form 149, U.S. Government National Credit Card; (f) List of contractors from which vehicle operators may purchase items authorized by the SF 149, U.S. Government National Credit Card; (g) Accident... safeguarding and protecting the SF 149, U.S. Government National Credit Card. [51 FR 11023, Apr. 1, 1986, as...

  16. 41 CFR 101-39.306 - Operator's packet.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... Standard Form 149, U.S. Government National Credit Card; (f) List of contractors from which vehicle operators may purchase items authorized by the SF 149, U.S. Government National Credit Card; (g) Accident... safeguarding and protecting the SF 149, U.S. Government National Credit Card. [51 FR 11023, Apr. 1, 1986, as...

  17. 49 CFR 1312.4 - Filing of tariffs.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... of pages transmitted; (iii) The filing fee enclosed, the account number to be billed, or the credit card to be charged; (iv) The transmittal number if the filer utilizes transmittal numbers; and (v) If the filing fee is charged to a credit card, the credit card number and expiration date, and an...

  18. 31 CFR 1028.200 - General.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... ENFORCEMENT NETWORK, DEPARTMENT OF THE TREASURY RULES FOR OPERATORS OF CREDIT CARD SYSTEMS Programs § 1028.200 General. Operators of credit card systems are subject to the program requirements set forth and cross referenced in this subpart. Operators of credit card systems should also refer to Subpart B of Part 1010 of...

  19. 41 CFR 101-39.306 - Operator's packet.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... Standard Form 149, U.S. Government National Credit Card; (f) List of contractors from which vehicle operators may purchase items authorized by the SF 149, U.S. Government National Credit Card; (g) Accident... safeguarding and protecting the SF 149, U.S. Government National Credit Card. [51 FR 11023, Apr. 1, 1986, as...

  20. 41 CFR 101-39.306 - Operator's packet.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... Standard Form 149, U.S. Government National Credit Card; (f) List of contractors from which vehicle operators may purchase items authorized by the SF 149, U.S. Government National Credit Card; (g) Accident... safeguarding and protecting the SF 149, U.S. Government National Credit Card. [51 FR 11023, Apr. 1, 1986, as...

  1. 49 CFR 1312.4 - Filing of tariffs.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... of pages transmitted; (iii) The filing fee enclosed, the account number to be billed, or the credit card to be charged; (iv) The transmittal number if the filer utilizes transmittal numbers; and (v) If the filing fee is charged to a credit card, the credit card number and expiration date, and an...

  2. 12 CFR 223.16 - What transactions by a member bank with any person are treated as transactions with an affiliate?

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... securities from or through an affiliate of the member bank. (4) General purpose credit card transactions. (i... imposed in, a general purpose credit card issued by the member bank to the nonaffiliate. (ii) Definition. “General purpose credit card” means a credit card issued by a member bank that is widely accepted by...

  3. 12 CFR 223.16 - What transactions by a member bank with any person are treated as transactions with an affiliate?

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... securities from or through an affiliate of the member bank. (4) General purpose credit card transactions. (i... imposed in, a general purpose credit card issued by the member bank to the nonaffiliate. (ii) Definition. “General purpose credit card” means a credit card issued by a member bank that is widely accepted by...

  4. 12 CFR 223.16 - What transactions by a member bank with any person are treated as transactions with an affiliate?

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... securities from or through an affiliate of the member bank. (4) General purpose credit card transactions. (i... imposed in, a general purpose credit card issued by the member bank to the nonaffiliate. (ii) Definition. “General purpose credit card” means a credit card issued by a member bank that is widely accepted by...

  5. 12 CFR 226.55 - Limitations on increasing annual percentage rates, fees, and charges.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... Applicable to Credit Card Accounts and Open-End Credit Offered to College Students § 226.55 Limitations on... required to be disclosed under § 226.6(b)(2)(ii), (b)(2)(iii), or (b)(2)(xii) on a credit card account under an open-end (not home-secured) consumer credit plan. (b) Exceptions. A card issuer may increase an...

  6. 12 CFR 223.16 - What transactions by a member bank with any person are treated as transactions with an affiliate?

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... securities from or through an affiliate of the member bank. (4) General purpose credit card transactions. (i... imposed in, a general purpose credit card issued by the member bank to the nonaffiliate. (ii) Definition. “General purpose credit card” means a credit card issued by a member bank that is widely accepted by...

  7. 12 CFR 226.55 - Limitations on increasing annual percentage rates, fees, and charges.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... Applicable to Credit Card Accounts and Open-End Credit Offered to College Students § 226.55 Limitations on... required to be disclosed under § 226.6(b)(2)(ii), (b)(2)(iii), or (b)(2)(xii) on a credit card account under an open-end (not home-secured) consumer credit plan. (b) Exceptions. A card issuer may increase an...

  8. 12 CFR 223.16 - What transactions by a member bank with any person are treated as transactions with an affiliate?

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... securities from or through an affiliate of the member bank. (4) General purpose credit card transactions. (i... imposed in, a general purpose credit card issued by the member bank to the nonaffiliate. (ii) Definition. “General purpose credit card” means a credit card issued by a member bank that is widely accepted by...

  9. Self-control and credit-card use among college students.

    PubMed

    Mansfield, Phylis M; Pinto, Mary Beth; Parente, Diane H

    2003-06-01

    This study assessed the relationship between self-control and credit-card use with a convenience sample of 165 traditional-age college students of whom 69 (42%) were women. Students' self-control was measured on Grasmick, et al.'s Self-control Scale, which has six subscales, one of which is Impulsivity. Comparisons were made between those students who paid their cards off each month, called convenience users, and those who carried a monthly balance forward on scores on total self-control and impulsivity, and number of credit cards possessed. A significant difference in self-control scores was found between these two groups and also for mean impulsivity scores. Significantly fewer credit cards were possessed by students who paid their cards off each month than by those who carried a monthly balance.

  10. 48 CFR 2913.301 - Governmentwide commercial purchase card.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... other methods of purchasing. However, the same legal restrictions apply to credit card purchases that.../Agency Purchase/Credit Card Program procedures. A number of the more common restrictions which... purchase card. 2913.301 Section 2913.301 Federal Acquisition Regulations System DEPARTMENT OF LABOR...

  11. 48 CFR 2913.301 - Governmentwide commercial purchase card.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... other methods of purchasing. However, the same legal restrictions apply to credit card purchases that.../Agency Purchase/Credit Card Program procedures. A number of the more common restrictions which... purchase card. 2913.301 Section 2913.301 Federal Acquisition Regulations System DEPARTMENT OF LABOR...

  12. 48 CFR 2913.301 - Governmentwide commercial purchase card.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... other methods of purchasing. However, the same legal restrictions apply to credit card purchases that.../Agency Purchase/Credit Card Program procedures. A number of the more common restrictions which... purchase card. 2913.301 Section 2913.301 Federal Acquisition Regulations System DEPARTMENT OF LABOR...

  13. The Relationship between Credit Card Use Behavior and Household Well-Being during the Great Recession: Implications for the Ethics of Credit Use

    ERIC Educational Resources Information Center

    Hunter, Jennifer L.; Heath, Claudia J.

    2017-01-01

    This article uses a random digit dial probability sample (N = 328) to examine the relationship between credit card use behaviors and household well-being during a period of severe economic recession: The Great Recession. The ability to measure the role of credit card use during a period of recession provides unique insights to the study of credit…

  14. 12 CFR 1026.58 - Internet posting of credit card agreements.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 12 Banks and Banking 9 2014-01-01 2014-01-01 false Internet posting of credit card agreements. 1026.58 Section 1026.58 Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION TRUTH IN LENDING... Students § 1026.58 Internet posting of credit card agreements. (a) Applicability. The requirements of this...

  15. 12 CFR 1026.58 - Internet posting of credit card agreements.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 12 Banks and Banking 8 2013-01-01 2013-01-01 false Internet posting of credit card agreements. 1026.58 Section 1026.58 Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION TRUTH IN LENDING... Students § 1026.58 Internet posting of credit card agreements. (a) Applicability. The requirements of this...

  16. 12 CFR 1026.58 - Internet posting of credit card agreements.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 12 Banks and Banking 8 2012-01-01 2012-01-01 false Internet posting of credit card agreements. 1026.58 Section 1026.58 Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION TRUTH IN LENDING... Students § 1026.58 Internet posting of credit card agreements. (a) Applicability. The requirements of this...

  17. 75 FR 7925 - Unfair or Deceptive Acts or Practices

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-02-22

    ... scheduled to go into effect on July 1, 2010, have been superseded by provisions of the Credit Card Accountability Responsibility and Disclosure Act of 2009 (Credit Card Act) that go into effect on February 22... accounts. The majority of the Credit Card Act's provisions go into effect on February 22, 2010, including...

  18. 12 CFR 226.1 - Authority, purpose, coverage, organization, enforcement and liability.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... consumer's principal dwelling, regulates certain credit card practices, and provides a means for fair and... definition of creditor in § 226.2(a). (2) If a credit card is involved, however, certain provisions apply... than 4 installments, or if the credit card is to be used for business purposes. (3) In addition...

  19. 48 CFR 552.211-77 - Packing List.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... (if any). (b) When payment will be made by Government commercial credit card, in addition to the... telephone number and (2) The term “Credit Card.” (End of clause) Alternate I (MAY 2003). As prescribed at... activity commercial credit card, in addition to the information in (a) above, the packing list or shipping...

  20. Credit Cards on Campus: Academic Inquiry, Objective Empiricism, or Advocacy Research?

    ERIC Educational Resources Information Center

    Manning, Robert D.; Kirshak, Ray

    2005-01-01

    Professors John M. Barron and Michael E. Staten's article in Vol. 34, No. 3 of this journal, "Usage of Credit Cards Received through College Student-Marketing Programs," purports to "provide benchmark measures of college student credit card usage." Based on empirical analyses of proprietary industry data, they conclude that "There is no…

  1. Credit Card Usage and Debt among College and University Students. ERIC Digest.

    ERIC Educational Resources Information Center

    Holub, Tamara

    Since the late 1990s, lawmakers, college officials, consumer advocacy groups, and higher education practitioners have become increasingly concerned about the rising use of credit cards among college students. Some recent studies have provided information about credit card use among college students. These studies include: (1) a study conducted by…

  2. 12 CFR 717.91 - Duties of card issuers regarding changes of address.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 12 Banks and Banking 6 2011-01-01 2011-01-01 false Duties of card issuers regarding changes of address. 717.91 Section 717.91 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING CREDIT UNIONS FAIR CREDIT REPORTING Identity Theft Red Flags § 717.91 Duties of card issuers...

  3. Pushing Plastic

    ERIC Educational Resources Information Center

    Humphrey, John H.

    2007-01-01

    As they send their teenagers off to college, parents will counsel them on the dangers of accepting credit card offers and the risks inherent in credit card debt. Most assume that the university will be their ally in warning students about such dangers. But instead, most universities try to get their own students to take out a credit card. In this…

  4. 31 CFR 576.410 - Credit extended and cards issued by U.S. financial institutions.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... 31 Money and Finance:Treasury 3 2014-07-01 2014-07-01 false Credit extended and cards issued by U.S. financial institutions. 576.410 Section 576.410 Money and Finance: Treasury Regulations Relating... STABILIZATION AND INSURGENCY SANCTIONS REGULATIONS Interpretations § 576.410 Credit extended and cards issued by...

  5. 31 CFR 548.409 - Credit extended and cards issued by U.S. financial institutions.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... 31 Money and Finance:Treasury 3 2014-07-01 2014-07-01 false Credit extended and cards issued by U.S. financial institutions. 548.409 Section 548.409 Money and Finance: Treasury Regulations Relating... SANCTIONS REGULATIONS Interpretations § 548.409 Credit extended and cards issued by U.S. financial...

  6. 31 CFR 536.409 - Credit extended and cards issued by U.S. financial institutions.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 31 Money and Finance:Treasury 3 2011-07-01 2011-07-01 false Credit extended and cards issued by U.S. financial institutions. 536.409 Section 536.409 Money and Finance: Treasury Regulations Relating... NARCOTICS TRAFFICKING SANCTIONS REGULATIONS Interpretations § 536.409 Credit extended and cards issued by U...

  7. 31 CFR 588.409 - Credit extended and cards issued by U.S. financial institutions.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 31 Money and Finance:Treasury 3 2011-07-01 2011-07-01 false Credit extended and cards issued by U.S. financial institutions. 588.409 Section 588.409 Money and Finance: Treasury Regulations Relating... BALKANS STABILIZATION REGULATIONS Interpretations § 588.409 Credit extended and cards issued by U.S...

  8. 31 CFR 546.409 - Credit extended and cards issued by U.S. financial institutions.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 31 Money and Finance:Treasury 3 2011-07-01 2011-07-01 false Credit extended and cards issued by U.S. financial institutions. 546.409 Section 546.409 Money and Finance: Treasury Regulations Relating... SANCTIONS REGULATIONS Interpretations § 546.409 Credit extended and cards issued by U.S. financial...

  9. 31 CFR 548.409 - Credit extended and cards issued by U.S. financial institutions.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 31 Money and Finance:Treasury 3 2011-07-01 2011-07-01 false Credit extended and cards issued by U.S. financial institutions. 548.409 Section 548.409 Money and Finance: Treasury Regulations Relating... SANCTIONS REGULATIONS Interpretations § 548.409 Credit extended and cards issued by U.S. financial...

  10. 31 CFR 546.409 - Credit extended and cards issued by U.S. financial institutions.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... 31 Money and Finance:Treasury 3 2012-07-01 2012-07-01 false Credit extended and cards issued by U.S. financial institutions. 546.409 Section 546.409 Money and Finance: Treasury Regulations Relating... SANCTIONS REGULATIONS Interpretations § 546.409 Credit extended and cards issued by U.S. financial...

  11. 31 CFR 593.409 - Credit extended and cards issued by U.S. financial institutions.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... 31 Money and Finance:Treasury 3 2013-07-01 2013-07-01 false Credit extended and cards issued by U.S. financial institutions. 593.409 Section 593.409 Money and Finance: Treasury Regulations Relating... LIBERIAN REGIME OF CHARLES TAYLOR SANCTIONS REGULATIONS Interpretations § 593.409 Credit extended and cards...

  12. 31 CFR 547.409 - Credit extended and cards issued by U.S. financial institutions.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... 31 Money and Finance:Treasury 3 2014-07-01 2014-07-01 false Credit extended and cards issued by U.S. financial institutions. 547.409 Section 547.409 Money and Finance: Treasury Regulations Relating... DEMOCRATIC REPUBLIC OF THE CONGO SANCTIONS REGULATIONS Interpretations § 547.409 Credit extended and cards...

  13. 31 CFR 593.409 - Credit extended and cards issued by U.S. financial institutions.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... 31 Money and Finance:Treasury 3 2014-07-01 2014-07-01 false Credit extended and cards issued by U.S. financial institutions. 593.409 Section 593.409 Money and Finance: Treasury Regulations Relating... LIBERIAN REGIME OF CHARLES TAYLOR SANCTIONS REGULATIONS Interpretations § 593.409 Credit extended and cards...

  14. 31 CFR 593.409 - Credit extended and cards issued by U.S. financial institutions.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 31 Money and Finance:Treasury 3 2011-07-01 2011-07-01 false Credit extended and cards issued by U.S. financial institutions. 593.409 Section 593.409 Money and Finance: Treasury Regulations Relating... LIBERIAN REGIME OF CHARLES TAYLOR SANCTIONS REGULATIONS Interpretations § 593.409 Credit extended and cards...

  15. 31 CFR 536.409 - Credit extended and cards issued by U.S. financial institutions.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... 31 Money and Finance:Treasury 3 2012-07-01 2012-07-01 false Credit extended and cards issued by U.S. financial institutions. 536.409 Section 536.409 Money and Finance: Treasury Regulations Relating... NARCOTICS TRAFFICKING SANCTIONS REGULATIONS Interpretations § 536.409 Credit extended and cards issued by U...

  16. 31 CFR 548.409 - Credit extended and cards issued by U.S. financial institutions.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... 31 Money and Finance:Treasury 3 2012-07-01 2012-07-01 false Credit extended and cards issued by U.S. financial institutions. 548.409 Section 548.409 Money and Finance: Treasury Regulations Relating... SANCTIONS REGULATIONS Interpretations § 548.409 Credit extended and cards issued by U.S. financial...

  17. 31 CFR 576.410 - Credit extended and cards issued by U.S. financial institutions.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... 31 Money and Finance:Treasury 3 2013-07-01 2013-07-01 false Credit extended and cards issued by U.S. financial institutions. 576.410 Section 576.410 Money and Finance: Treasury Regulations Relating... STABILIZATION AND INSURGENCY SANCTIONS REGULATIONS Interpretations § 576.410 Credit extended and cards issued by...

  18. 31 CFR 576.410 - Credit extended and cards issued by U.S. financial institutions.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... 31 Money and Finance:Treasury 3 2012-07-01 2012-07-01 false Credit extended and cards issued by U.S. financial institutions. 576.410 Section 576.410 Money and Finance: Treasury Regulations Relating... STABILIZATION AND INSURGENCY SANCTIONS REGULATIONS Interpretations § 576.410 Credit extended and cards issued by...

  19. 31 CFR 549.409 - Credit extended and cards issued by U.S. financial institutions.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 31 Money and Finance:Treasury 3 2011-07-01 2011-07-01 false Credit extended and cards issued by U.S. financial institutions. 549.409 Section 549.409 Money and Finance: Treasury Regulations Relating... SANCTIONS REGULATIONS Interpretations § 549.409 Credit extended and cards issued by U.S. financial...

  20. 31 CFR 588.409 - Credit extended and cards issued by U.S. financial institutions.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... 31 Money and Finance:Treasury 3 2013-07-01 2013-07-01 false Credit extended and cards issued by U.S. financial institutions. 588.409 Section 588.409 Money and Finance: Treasury Regulations Relating... BALKANS STABILIZATION REGULATIONS Interpretations § 588.409 Credit extended and cards issued by U.S...

  1. 31 CFR 547.409 - Credit extended and cards issued by U.S. financial institutions.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... 31 Money and Finance:Treasury 3 2012-07-01 2012-07-01 false Credit extended and cards issued by U.S. financial institutions. 547.409 Section 547.409 Money and Finance: Treasury Regulations Relating... DEMOCRATIC REPUBLIC OF THE CONGO SANCTIONS REGULATIONS Interpretations § 547.409 Credit extended and cards...

  2. 31 CFR 547.409 - Credit extended and cards issued by U.S. financial institutions.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... 31 Money and Finance:Treasury 3 2013-07-01 2013-07-01 false Credit extended and cards issued by U.S. financial institutions. 547.409 Section 547.409 Money and Finance: Treasury Regulations Relating... DEMOCRATIC REPUBLIC OF THE CONGO SANCTIONS REGULATIONS Interpretations § 547.409 Credit extended and cards...

  3. 31 CFR 576.410 - Credit extended and cards issued by U.S. financial institutions.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 31 Money and Finance:Treasury 3 2011-07-01 2011-07-01 false Credit extended and cards issued by U.S. financial institutions. 576.410 Section 576.410 Money and Finance: Treasury Regulations Relating... STABILIZATION AND INSURGENCY SANCTIONS REGULATIONS Interpretations § 576.410 Credit extended and cards issued by...

  4. 31 CFR 546.409 - Credit extended and cards issued by U.S. financial institutions.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... 31 Money and Finance:Treasury 3 2013-07-01 2013-07-01 false Credit extended and cards issued by U.S. financial institutions. 546.409 Section 546.409 Money and Finance: Treasury Regulations Relating... SANCTIONS REGULATIONS Interpretations § 546.409 Credit extended and cards issued by U.S. financial...

  5. 31 CFR 548.409 - Credit extended and cards issued by U.S. financial institutions.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... 31 Money and Finance:Treasury 3 2013-07-01 2013-07-01 false Credit extended and cards issued by U.S. financial institutions. 548.409 Section 548.409 Money and Finance: Treasury Regulations Relating... SANCTIONS REGULATIONS Interpretations § 548.409 Credit extended and cards issued by U.S. financial...

  6. 31 CFR 549.409 - Credit extended and cards issued by U.S. financial institutions.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... 31 Money and Finance:Treasury 3 2014-07-01 2014-07-01 false Credit extended and cards issued by U.S. financial institutions. 549.409 Section 549.409 Money and Finance: Treasury Regulations Relating... SANCTIONS REGULATIONS Interpretations § 549.409 Credit extended and cards issued by U.S. financial...

  7. 31 CFR 536.409 - Credit extended and cards issued by U.S. financial institutions.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... 31 Money and Finance:Treasury 3 2014-07-01 2014-07-01 false Credit extended and cards issued by U.S. financial institutions. 536.409 Section 536.409 Money and Finance: Treasury Regulations Relating... NARCOTICS TRAFFICKING SANCTIONS REGULATIONS Interpretations § 536.409 Credit extended and cards issued by U...

  8. 31 CFR 588.409 - Credit extended and cards issued by U.S. financial institutions.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... 31 Money and Finance:Treasury 3 2014-07-01 2014-07-01 false Credit extended and cards issued by U.S. financial institutions. 588.409 Section 588.409 Money and Finance: Treasury Regulations Relating... BALKANS STABILIZATION REGULATIONS Interpretations § 588.409 Credit extended and cards issued by U.S...

  9. 31 CFR 542.409 - Credit extended and cards issued by U.S. financial institutions.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... 31 Money and Finance:Treasury 3 2014-07-01 2014-07-01 false Credit extended and cards issued by U.S. financial institutions. 542.409 Section 542.409 Money and Finance: Treasury Regulations Relating... SANCTIONS REGULATIONS Interpretations § 542.409 Credit extended and cards issued by U.S. financial...

  10. 31 CFR 536.409 - Credit extended and cards issued by U.S. financial institutions.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... 31 Money and Finance:Treasury 3 2013-07-01 2013-07-01 false Credit extended and cards issued by U.S. financial institutions. 536.409 Section 536.409 Money and Finance: Treasury Regulations Relating... NARCOTICS TRAFFICKING SANCTIONS REGULATIONS Interpretations § 536.409 Credit extended and cards issued by U...

  11. 31 CFR 546.409 - Credit extended and cards issued by U.S. financial institutions.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... 31 Money and Finance:Treasury 3 2014-07-01 2014-07-01 false Credit extended and cards issued by U.S. financial institutions. 546.409 Section 546.409 Money and Finance: Treasury Regulations Relating... SANCTIONS REGULATIONS Interpretations § 546.409 Credit extended and cards issued by U.S. financial...

  12. 31 CFR 547.409 - Credit extended and cards issued by U.S. financial institutions.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 31 Money and Finance:Treasury 3 2011-07-01 2011-07-01 false Credit extended and cards issued by U.S. financial institutions. 547.409 Section 547.409 Money and Finance: Treasury Regulations Relating... DEMOCRATIC REPUBLIC OF THE CONGO SANCTIONS REGULATIONS Interpretations § 547.409 Credit extended and cards...

  13. 31 CFR 542.409 - Credit extended and cards issued by U.S. financial institutions.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 31 Money and Finance:Treasury 3 2011-07-01 2011-07-01 false Credit extended and cards issued by U.S. financial institutions. 542.409 Section 542.409 Money and Finance: Treasury Regulations Relating... SANCTIONS REGULATIONS Interpretations § 542.409 Credit extended and cards issued by U.S. financial...

  14. 31 CFR 542.409 - Credit extended and cards issued by U.S. financial institutions.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... 31 Money and Finance:Treasury 3 2012-07-01 2012-07-01 false Credit extended and cards issued by U.S. financial institutions. 542.409 Section 542.409 Money and Finance: Treasury Regulations Relating... SANCTIONS REGULATIONS Interpretations § 542.409 Credit extended and cards issued by U.S. financial...

  15. 31 CFR 549.409 - Credit extended and cards issued by U.S. financial institutions.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... 31 Money and Finance:Treasury 3 2013-07-01 2013-07-01 false Credit extended and cards issued by U.S. financial institutions. 549.409 Section 549.409 Money and Finance: Treasury Regulations Relating... SANCTIONS REGULATIONS Interpretations § 549.409 Credit extended and cards issued by U.S. financial...

  16. 31 CFR 542.409 - Credit extended and cards issued by U.S. financial institutions.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... 31 Money and Finance:Treasury 3 2013-07-01 2013-07-01 false Credit extended and cards issued by U.S. financial institutions. 542.409 Section 542.409 Money and Finance: Treasury Regulations Relating... SANCTIONS REGULATIONS Interpretations § 542.409 Credit extended and cards issued by U.S. financial...

  17. 31 CFR 549.409 - Credit extended and cards issued by U.S. financial institutions.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... 31 Money and Finance:Treasury 3 2012-07-01 2012-07-01 false Credit extended and cards issued by U.S. financial institutions. 549.409 Section 549.409 Money and Finance: Treasury Regulations Relating... SANCTIONS REGULATIONS Interpretations § 549.409 Credit extended and cards issued by U.S. financial...

  18. 31 CFR 1028.520 - Special information sharing procedures to deter money laundering and terrorist activity for...

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... to deter money laundering and terrorist activity for operators of credit card systems. 1028.520...) FINANCIAL CRIMES ENFORCEMENT NETWORK, DEPARTMENT OF THE TREASURY RULES FOR OPERATORS OF CREDIT CARD SYSTEMS... information sharing procedures to deter money laundering and terrorist activity for operators of credit card...

  19. 48 CFR 552.211-77 - Packing List.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... (if any). (b) When payment will be made by Government commercial credit card, in addition to the... telephone number and (2) The term “Credit Card.” (End of clause) Alternate I (MAY 2003). As prescribed at... activity commercial credit card, in addition to the information in (a) above, the packing list or shipping...

  20. 47 CFR 1.1158 - Form of payment for regulatory fees.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... Commission or by Visa, Mastercard, American Express or Discover credit cards only. The Commission discourages... submitted with an application in the wireless radio service) made by credit card or money order must be submitted with a completed FCC Form 159. Failure to accurately enter the credit card number and date of...

  1. 78 FR 11188 - General Services Administration Regulation; Submission for OMB Review; Packing List Clause

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-02-15

    ... identification of cardholder name, telephone number and the term ``Credit Card'' is required. B. Discussion and... cardholder, telephone number and the term ``Credit Card'' on the packing list in supply contracts. The purpose of the information collection is to facilitate administration of government credit card purchases...

  2. 14 CFR 380.31 - General requirements for operator-participant contracts.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... for which payment is made by credit card as described in paragraph (b) of this section, the charter... credit card without the participant having first signed an operator-participant contract provided that... mailed to the participant within 24 hours of accepting payment by credit card; and (3) That the operator...

  3. 48 CFR 552.211-77 - Packing List.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... (if any). (b) When payment will be made by Government commercial credit card, in addition to the... telephone number and (2) The term “Credit Card.” (End of clause) Alternate I (MAY 2003). As prescribed at... activity commercial credit card, in addition to the information in (a) above, the packing list or shipping...

  4. 75 FR 4558 - Notice of Inquiry Regarding Passenger Vessel Financial Responsibility

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-01-28

    ... requirement? If so, set forth a detailed response. C. Practices of Sureties, Credit Card Companies and Others... parties: 10. Have credit card companies added specific requirements for servicing PVOs? 11. What are the factors credit card issuers use to assess a cruise line's creditworthiness or financial fitness? How does...

  5. 12 CFR 226.52 - Limitations on fees.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... (CONTINUED) TRUTH IN LENDING (REGULATION Z) Special Rules Applicable to Credit Card Accounts and Open-End...) of this section, the total amount of fees a consumer is required to pay with respect to a credit card... issuer must not impose a fee for violating the terms or other requirements of a credit card account under...

  6. 46 CFR 2.10-20 - General requirements.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... the U.S. Treasury. Payment may also be made by credit card or wire transfer. (c) All payments must be... following methods: (1) For COI and COC Inspections: (i) For payment by credit card, online through www.pay... credit card, U.S. Coast Guard Finance Center (OGR), 1430A Kristina Way, Chesapeake, VA 23326. (ii) For...

  7. 46 CFR 2.10-20 - General requirements.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... the U.S. Treasury. Payment may also be made by credit card or wire transfer. (c) All payments must be...) For payment by credit card, U.S. Coast Guard Finance Center (OGR), 1430A Kristina Way, Chesapeake, VA... by credit card, U.S. Coast Guard Finance Center (OGR), 1430A Kristina Way, Chesapeake, VA 23326. (ii...

  8. 14 CFR 380.31 - General requirements for operator-participant contracts.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... for which payment is made by credit card as described in paragraph (b) of this section, the charter... credit card without the participant having first signed an operator-participant contract provided that... mailed to the participant within 24 hours of accepting payment by credit card; and (3) That the operator...

  9. 48 CFR 552.211-77 - Packing List.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... (if any). (b) When payment will be made by Government commercial credit card, in addition to the... telephone number and (2) The term “Credit Card.” (End of clause) Alternate I (MAY 2003). As prescribed at... activity commercial credit card, in addition to the information in (a) above, the packing list or shipping...

  10. 46 CFR 2.10-20 - General requirements.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... the U.S. Treasury. Payment may also be made by credit card or wire transfer. (c) All payments must be... following methods: (1) For COI and COC Inspections: (i) For payment by credit card, online through www.pay... credit card, U.S. Coast Guard Finance Center (OGR), 1430A Kristina Way, Chesapeake, VA 23326. (ii) For...

  11. 12 CFR 226.52 - Limitations on fees.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... (CONTINUED) TRUTH IN LENDING (REGULATION Z) Special Rules Applicable to Credit Card Accounts and Open-End...) of this section, the total amount of fees a consumer is required to pay with respect to a credit card... issuer must not impose a fee for violating the terms or other requirements of a credit card account under...

  12. 31 CFR 1028.520 - Special information sharing procedures to deter money laundering and terrorist activity for...

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... to deter money laundering and terrorist activity for operators of credit card systems. 1028.520...) FINANCIAL CRIMES ENFORCEMENT NETWORK, DEPARTMENT OF THE TREASURY RULES FOR OPERATORS OF CREDIT CARD SYSTEMS... information sharing procedures to deter money laundering and terrorist activity for operators of credit card...

  13. 48 CFR 552.211-77 - Packing List.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... (if any). (b) When payment will be made by Government commercial credit card, in addition to the... telephone number and (2) The term “Credit Card.” (End of clause) Alternate I (MAY 2003). As prescribed at... activity commercial credit card, in addition to the information in (a) above, the packing list or shipping...

  14. 31 CFR 1028.520 - Special information sharing procedures to deter money laundering and terrorist activity for...

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... to deter money laundering and terrorist activity for operators of credit card systems. 1028.520...) FINANCIAL CRIMES ENFORCEMENT NETWORK, DEPARTMENT OF THE TREASURY RULES FOR OPERATORS OF CREDIT CARD SYSTEMS... information sharing procedures to deter money laundering and terrorist activity for operators of credit card...

  15. 31 CFR 1028.520 - Special information sharing procedures to deter money laundering and terrorist activity for...

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... to deter money laundering and terrorist activity for operators of credit card systems. 1028.520...) FINANCIAL CRIMES ENFORCEMENT NETWORK, DEPARTMENT OF THE TREASURY RULES FOR OPERATORS OF CREDIT CARD SYSTEMS... information sharing procedures to deter money laundering and terrorist activity for operators of credit card...

  16. 75 FR 79925 - Semiannual Regulatory Flexibility Agenda

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-12-20

    ... (DOCKET NO: R-1370) Legal Authority: 12 USC 1601 et seq Abstract: On May 22, 2009, the Credit Card Accountability Responsibility and Disclosure Act of 2009 (Credit Card Act) was signed into law. Public Law No. 111-24, 123 Stat. 1734 (2009). The Credit Card Act primarily amended the Truth in Lending Act (TILA...

  17. Usage of Credit Cards Received through College Student-Marketing Programs

    ERIC Educational Resources Information Center

    Barron, John M.; Staten, Michael E.

    2004-01-01

    This article provides benchmark measures of college student credit card usage by utilizing a pooled sample of over 300,000 recently opened credit card accounts. The analysis compares behavior over 12 months of account history for three groups of accounts: those opened by young adults through college student marketing programs; those opened through…

  18. Deciphering indented impressions on plastic.

    PubMed

    Brown, Sharon; Klein, Asne; Chaikovsky, Alan

    2003-07-01

    The questioned document laboratory is often called upon to decipher writing that has been erased, obliterated, or that has faded. In cases like these, the original writing is no longer legible to the naked eye, but may be enhanced using various light sources. Certain remnants of the ink's components absorb into the substrate's fibers and can be visualized, usually as luminescence or absorbance. A case is described here that involved the theft of a credit card. An empty plastic credit card holder was found in the possession of a suspect, and as submitted for examination. Indented impressions could be discerned on its clear plastic window and presumably originated from the credit card that had been held in the envelope. These indented impressions were deciphered in the hope that they would reveal enough details from the credit card to establish a connection between the plastic envelope and the stolen credit card. With methods generally utilized in the toolmarks and materials laboratory and the photography laboratory of the Israel Police, most of the indented impressions on the plastic were deciphered and a connection between the plastic envelope and the stolen credit card was demonstrated.

  19. Credit card fraud detection using neural network and geolocation

    NASA Astrophysics Data System (ADS)

    Gulati, Aman; Dubey, Prakash; MdFuzail, C.; Norman, Jasmine; Mangayarkarasi, R.

    2017-11-01

    The most acknowledged payment mode is credit card for both disconnected and online mediums in today's day and age. It facilitates cashless shopping everywhere in the world. It is the most widespread and reasonable approach with regards to web based shopping, paying bills, what's more, performing other related errands. Thus danger of fraud exchanges utilizing credit card has likewise been expanding. In the Current Fraud Detection framework, false exchange is recognized after the transaction is completed. As opposed to the current system, the proposed system presents a methodology which facilitates the detection of fraudulent exchanges while they are being processed, this is achieved by means of Behaviour and Locational Analysis(Neural Logic) which considers a cardholder's way of managing money and spending pattern. A deviation from such a pattern will then lead to the system classifying it as suspicious transaction and will then be handled accordingly.

  20. Evaluation of "credit card" libraries for inhibition of HIV-1 gp41 fusogenic core formation.

    PubMed

    Xu, Yang; Lu, Hong; Kennedy, Jack P; Yan, Xuxia; McAllister, Laura A; Yamamoto, Noboru; Moss, Jason A; Boldt, Grant E; Jiang, Shibo; Janda, Kim D

    2006-01-01

    Protein-protein interactions are of critical importance in biological systems, and small molecule modulators of such protein recognition and intervention processes are of particular interest. To investigate this area of research, we have synthesized small-molecule libraries that can disrupt a number of biologically relevant protein-protein interactions. These library members are designed upon planar motif, appended with a variety of chemical functions, which we have termed "credit-card" structures. From two of our "credit-card" libraries, a series of molecules were uncovered which act as inhibitors against the HIV-1 gp41 fusogenic 6-helix bundle core formation, viral antigen p24 formation, and cell-cell fusion at low micromolar concentrations. From the high-throughput screening assays we utilized, a selective index (SI) value of 4.2 was uncovered for compound 2261, which bodes well for future structure activity investigations and the design of more potent gp41 inhibitors.

  1. 31 CFR 103.28 - Identification required.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... cashing checks for nondepositors (e.g., a drivers license or credit card). A bank signature card may be... specific identifying information (i.e., the account number of the credit card, the driver's license number... the United States must be made by passport, alien identification card, or other official document...

  2. Data-nonintrusive photonics-based credit card verifier with a low false rejection rate.

    PubMed

    Sumriddetchkajorn, Sarun; Intaravanne, Yuttana

    2010-02-10

    We propose and experimentally demonstrate a noninvasive credit card verifier with a low false rejection rate (FRR). Our key idea is based on the use of three broadband light sources in our data-nonintrusive photonics-based credit card verifier structure, where spectral components of the embossed hologram images are registered as red, green, and blue. In this case, nine distinguishable variables are generated for a feed-forward neural network (FFNN). In addition, we investigate the center of mass of the image histogram projected onto the x axis (I(color)), making our system more tolerant of the intensity fluctuation of the light source. We also reduce the unwanted signals on each hologram image by simply dividing the hologram image into three zones and then calculating their corresponding I(color) values for red, green, and blue bands. With our proposed concepts, we implement our field test prototype in which three broadband white light light-emitting diodes (LEDs), a two-dimensional digital color camera, and a four-layer FFNN are used. Based on 249 genuine credit cards and 258 counterfeit credit cards, we find that the average of differences in I(color) values between genuine and counterfeit credit cards is improved by 1.5 times and up to 13.7 times. In this case, we can effectively verify credit cards with a very low FRR of 0.79%.

  3. Credit Card Solicitation Policies in Higher Education: Does "Protecting" Our Students Make a Difference?

    ERIC Educational Resources Information Center

    Pinto, Mary Beth; Parente, Diane H.; Palmer, Todd S.

    2001-01-01

    Reports on a study that investigated the effect of a university's solicitation policy on students' acquisition and usage of credit cards. Attempts by universities to limit access to and use of credit cards appear to be ineffective. Suggests alternative policies be constructed around teaching students sound money management skills. (Author/JDM)

  4. 12 CFR 205.12 - Relation to other laws.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... part govern: (i) The addition to an accepted credit card, as defined in Regulation Z (12 CFR 226.12(a... and Regulation Z (12 CFR part 226), which prohibit the unsolicited issuance of credit cards, govern... paragraph (a)(1)(ii) of this section, the issuance of a credit card that is also an access device. (b...

  5. 49 CFR 375.217 - How must I collect charges upon delivery?

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... service and the bill of lading. (c) Charge or credit card payments: (1) If you agree to accept payment by charge or credit card, you must arrange with the individual shipper for the delivery only at a time when you can obtain authorization for the shipper's credit card transaction. (2) Paragraph (c)(1) of this...

  6. 12 CFR 227.24 - Unfair acts or practices regarding increases in annual percentage rates.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ...) Consumer Credit Card Account Practices Rule § 227.24 Unfair acts or practices regarding increases in annual... will apply to each category of transactions on the consumer credit card account. A bank must not increase the annual percentage rate for a category of transactions on any consumer credit card account...

  7. Consumer Finance: College Students and Credit Cards. Report to Congressional Requesters.

    ERIC Educational Resources Information Center

    D'Agostino, Davi M.

    In response to a request from the House of Representatives, employees of the General Accounting Office conducted structured interviews with about 100 officials at 12 universities and colleges around the United States about several issues related to college students and credit cards. They also reviewed three studies of credit card use by college…

  8. Relationships between College Students' Credit Card Debt, Undesirable Academic Behaviors and Cognitions, and Academic Performance

    ERIC Educational Resources Information Center

    Hogan, Eileen A.; Bryant, Sarah K.; Overymyer-Day, Leslie E.

    2013-01-01

    The acquisition of credit card debt by college students has long been a topic of concern. This study explores relationships among debt, undesirable academic behaviors and cognitions, and academic performance, through surveys of 338 students in a public university, replicating two past measures of credit card debt and creating new measures of…

  9. 31 CFR 541.408 - Credit extended and cards issued by U.S. financial institutions.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... 31 Money and Finance:Treasury 3 2012-07-01 2012-07-01 false Credit extended and cards issued by U.S. financial institutions. 541.408 Section 541.408 Money and Finance: Treasury Regulations Relating... ZIMBABWE SANCTIONS REGULATIONS Interpretations § 541.408 Credit extended and cards issued by U.S. financial...

  10. 31 CFR 543.409 - Credit extended and cards issued by U.S. financial institutions.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... 31 Money and Finance:Treasury 3 2012-07-01 2012-07-01 false Credit extended and cards issued by U.S. financial institutions. 543.409 Section 543.409 Money and Finance: Treasury Regulations Relating...'IVOIRE SANCTIONS REGULATIONS Interpretations § 543.409 Credit extended and cards issued by U.S. financial...

  11. 31 CFR 594.410 - Credit extended and cards issued by U.S. financial institutions.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... 31 Money and Finance:Treasury 3 2013-07-01 2013-07-01 false Credit extended and cards issued by U.S. financial institutions. 594.410 Section 594.410 Money and Finance: Treasury Regulations Relating... TERRORISM SANCTIONS REGULATIONS Interpretations § 594.410 Credit extended and cards issued by U.S. financial...

  12. 31 CFR 598.409 - Credit extended and cards issued by U.S. financial institutions.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... 31 Money and Finance:Treasury 3 2014-07-01 2014-07-01 false Credit extended and cards issued by U.S. financial institutions. 598.409 Section 598.409 Money and Finance: Treasury Regulations Relating... NARCOTICS KINGPIN SANCTIONS REGULATIONS Interpretations § 598.409 Credit extended and cards issued by U.S...

  13. 31 CFR 541.408 - Credit extended and cards issued by U.S. financial institutions.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 31 Money and Finance:Treasury 3 2011-07-01 2011-07-01 false Credit extended and cards issued by U.S. financial institutions. 541.408 Section 541.408 Money and Finance: Treasury Regulations Relating... ZIMBABWE SANCTIONS REGULATIONS Interpretations § 541.408 Credit extended and cards issued by U.S. financial...

  14. 31 CFR 541.408 - Credit extended and cards issued by U.S. financial institutions.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... 31 Money and Finance:Treasury 3 2014-07-01 2014-07-01 false Credit extended and cards issued by U.S. financial institutions. 541.408 Section 541.408 Money and Finance: Treasury Regulations Relating... ZIMBABWE SANCTIONS REGULATIONS Interpretations § 541.408 Credit extended and cards issued by U.S. financial...

  15. 31 CFR 543.409 - Credit extended and cards issued by U.S. financial institutions.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... 31 Money and Finance:Treasury 3 2013-07-01 2013-07-01 false Credit extended and cards issued by U.S. financial institutions. 543.409 Section 543.409 Money and Finance: Treasury Regulations Relating...'IVOIRE SANCTIONS REGULATIONS Interpretations § 543.409 Credit extended and cards issued by U.S. financial...

  16. 31 CFR 541.408 - Credit extended and cards issued by U.S. financial institutions.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... 31 Money and Finance:Treasury 3 2013-07-01 2013-07-01 false Credit extended and cards issued by U.S. financial institutions. 541.408 Section 541.408 Money and Finance: Treasury Regulations Relating... ZIMBABWE SANCTIONS REGULATIONS Interpretations § 541.408 Credit extended and cards issued by U.S. financial...

  17. 31 CFR 543.409 - Credit extended and cards issued by U.S. financial institutions.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... 31 Money and Finance:Treasury 3 2014-07-01 2014-07-01 false Credit extended and cards issued by U.S. financial institutions. 543.409 Section 543.409 Money and Finance: Treasury Regulations Relating...'IVOIRE SANCTIONS REGULATIONS Interpretations § 543.409 Credit extended and cards issued by U.S. financial...

  18. 31 CFR 560.428 - Credit extended and cards issued by U.S. financial institutions.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... 31 Money and Finance:Treasury 3 2014-07-01 2014-07-01 false Credit extended and cards issued by U.S. financial institutions. 560.428 Section 560.428 Money and Finance: Treasury Regulations Relating... TRANSACTIONS AND SANCTIONS REGULATIONS Interpretations § 560.428 Credit extended and cards issued by U.S...

  19. 31 CFR 598.409 - Credit extended and cards issued by U.S. financial institutions.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... 31 Money and Finance:Treasury 3 2013-07-01 2013-07-01 false Credit extended and cards issued by U.S. financial institutions. 598.409 Section 598.409 Money and Finance: Treasury Regulations Relating... NARCOTICS KINGPIN SANCTIONS REGULATIONS Interpretations § 598.409 Credit extended and cards issued by U.S...

  20. 31 CFR 560.428 - Credit extended and cards issued by U.S. financial institutions.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... 31 Money and Finance:Treasury 3 2013-07-01 2013-07-01 false Credit extended and cards issued by U.S. financial institutions. 560.428 Section 560.428 Money and Finance: Treasury Regulations Relating... TRANSACTIONS AND SANCTIONS REGULATIONS Interpretations § 560.428 Credit extended and cards issued by U.S...

  1. 31 CFR 594.410 - Credit extended and cards issued by U.S. financial institutions.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 31 Money and Finance:Treasury 3 2011-07-01 2011-07-01 false Credit extended and cards issued by U.S. financial institutions. 594.410 Section 594.410 Money and Finance: Treasury Regulations Relating... TERRORISM SANCTIONS REGULATIONS Interpretations § 594.410 Credit extended and cards issued by U.S. financial...

  2. 31 CFR 598.409 - Credit extended and cards issued by U.S. financial institutions.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 31 Money and Finance:Treasury 3 2011-07-01 2011-07-01 false Credit extended and cards issued by U.S. financial institutions. 598.409 Section 598.409 Money and Finance: Treasury Regulations Relating... NARCOTICS KINGPIN SANCTIONS REGULATIONS Interpretations § 598.409 Credit extended and cards issued by U.S...

  3. 31 CFR 543.409 - Credit extended and cards issued by U.S. financial institutions.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 31 Money and Finance:Treasury 3 2011-07-01 2011-07-01 false Credit extended and cards issued by U.S. financial institutions. 543.409 Section 543.409 Money and Finance: Treasury Regulations Relating...'IVOIRE SANCTIONS REGULATIONS Interpretations § 543.409 Credit extended and cards issued by U.S. financial...

  4. 31 CFR 594.410 - Credit extended and cards issued by U.S. financial institutions.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... 31 Money and Finance:Treasury 3 2014-07-01 2014-07-01 false Credit extended and cards issued by U.S. financial institutions. 594.410 Section 594.410 Money and Finance: Treasury Regulations Relating... TERRORISM SANCTIONS REGULATIONS Interpretations § 594.410 Credit extended and cards issued by U.S. financial...

  5. 12 CFR 1026.55 - Limitations on increasing annual percentage rates, fees, and charges.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... PROTECTION TRUTH IN LENDING (REGULATION Z) Special Rules Applicable to Credit Card Accounts and Open-End...)(2)(iii), or (b)(2)(xii) on a credit card account under an open-end (not home-secured) consumer credit plan. (b) Exceptions. A card issuer may increase an annual percentage rate or a fee or charge...

  6. 49 CFR 375.217 - How must I collect charges upon delivery?

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... service and the bill of lading. (c) Charge or credit card payments: (1) If you agree to accept payment by charge or credit card, you must arrange with the individual shipper for the delivery only at a time when you can obtain authorization for the shipper's credit card transaction. (2) Paragraph (c)(1) of this...

  7. 12 CFR 1026.55 - Limitations on increasing annual percentage rates, fees, and charges.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... PROTECTION TRUTH IN LENDING (REGULATION Z) Special Rules Applicable to Credit Card Accounts and Open-End...)(2)(iii), or (b)(2)(xii) on a credit card account under an open-end (not home-secured) consumer credit plan. (b) Exceptions. A card issuer may increase an annual percentage rate or a fee or charge...

  8. 12 CFR 1026.55 - Limitations on increasing annual percentage rates, fees, and charges.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... PROTECTION TRUTH IN LENDING (REGULATION Z) Special Rules Applicable to Credit Card Accounts and Open-End...)(2)(iii), or (b)(2)(xii) on a credit card account under an open-end (not home-secured) consumer credit plan. (b) Exceptions. A card issuer may increase an annual percentage rate or a fee or charge...

  9. 49 CFR 375.217 - How must I collect charges upon delivery?

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... service and the bill of lading. (c) Charge or credit card payments: (1) If you agree to accept payment by charge or credit card, you must arrange with the individual shipper for the delivery only at a time when you can obtain authorization for the shipper's credit card transaction. (2) Paragraph (c)(1) of this...

  10. 49 CFR 375.217 - How must I collect charges upon delivery?

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... service and the bill of lading. (c) Charge or credit card payments: (1) If you agree to accept payment by charge or credit card, you must arrange with the individual shipper for the delivery only at a time when you can obtain authorization for the shipper's credit card transaction. (2) Paragraph (c)(1) of this...

  11. 75 FR 75724 - Agency Information Collection Activities: Submission for OMB Review; Comment Request

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-12-06

    ... of the OCC. The OCC requires independent credit card banks to pay an additional assessment based on receivables attributable to accounts owned by the bank. Independent credit card banks are national banks that primarily engage in credit card operations and are not affiliated with a full service national bank. The OCC...

  12. 49 CFR 375.217 - How must I collect charges upon delivery?

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... service and the bill of lading. (c) Charge or credit card payments: (1) If you agree to accept payment by charge or credit card, you must arrange with the individual shipper for the delivery only at a time when you can obtain authorization for the shipper's credit card transaction. (2) Paragraph (c)(1) of this...

  13. 16 CFR 681.2 - Duties of card issuers regarding changes of address.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... applies to a person described in § 681.1(a) that issues a debit or credit card (card issuer). (b... of address if it receives notification of a change of address for a consumer's debit or credit card... 16 Commercial Practices 1 2010-01-01 2010-01-01 false Duties of card issuers regarding changes of...

  14. Credit Card Quiz.

    ERIC Educational Resources Information Center

    Marks, Jeff

    2000-01-01

    Describes an activity in which students design credit cards and discover for themselves the mathematical realities of buying on credit. Employs multiple-intelligence theory to increase the chance that all students will be reached. (YDS)

  15. War of the Credit Cards.

    ERIC Educational Resources Information Center

    Nicklin, Julie L.

    1993-01-01

    Increasingly, colleges are offering affinity credit cards with attractive incentives as a marketing tool. Some in academe feel the trend may compromise educational objectives. Institutions may also face taxation on unrelated-business income generated through the cards. (MSE)

  16. Security Enhanced EMV-Based Mobile Payment Protocol

    PubMed Central

    2014-01-01

    Near field communication has enabled customers to put their credit cards into a smartphone and use the phone for credit card transaction. But EMV contactless payment allows unauthorized readers to access credit cards. Besides, in offline transaction, a merchant's reader cannot verify whether a card has been revoked. Therefore, we propose an EMV-compatible payment protocol to mitigate the transaction risk. And our modifications to the EMV standard are transparent to merchants and users. We also encrypt the communications between a card and a reader to prevent eavesdropping on sensitive data. The protocol is able to resist impersonation attacks and to avoid the security threats in EMV. In offline transactions, our scheme requires a user to apply for a temporary offline certificate in advance. With the certificate, banks no longer need to lower customer's credits for risk control, and users can have online-equivalent credits in offline transactions. PMID:25302334

  17. Security enhanced EMV-based mobile payment protocol.

    PubMed

    Yang, Ming-Hour

    2014-01-01

    Near field communication has enabled customers to put their credit cards into a smartphone and use the phone for credit card transaction. But EMV contactless payment allows unauthorized readers to access credit cards. Besides, in offline transaction, a merchant's reader cannot verify whether a card has been revoked. Therefore, we propose an EMV-compatible payment protocol to mitigate the transaction risk. And our modifications to the EMV standard are transparent to merchants and users. We also encrypt the communications between a card and a reader to prevent eavesdropping on sensitive data. The protocol is able to resist impersonation attacks and to avoid the security threats in EMV. In offline transactions, our scheme requires a user to apply for a temporary offline certificate in advance. With the certificate, banks no longer need to lower customer's credits for risk control, and users can have online-equivalent credits in offline transactions.

  18. Impacts of Credit Cards on Individuals, Families and Society in Hong Kong: An Exploration.

    ERIC Educational Resources Information Center

    Chan, Alfred C. M.

    Credit cards have swept through almost every social class and all ages in Hong Kong. This paper attempts to provide a preliminary analysis of the possible impact of credit cards on individuals and their families in Hong Kong. A literature review reveals that Hong Kong people, while enjoying the freedom and convenience of "plastic money,"…

  19. Are Credit Card Rates Too High? At Home with Consumers. Volume 8, Number 1.

    ERIC Educational Resources Information Center

    At Home with Consumers, 1987

    1987-01-01

    The four articles in this journal issue examine the pros and cons of the proposition that credit card rates are too high. In "How Congress and Consumers Will Crack the Credit Card Market," Congressman Charles E. Schumer argues that banks can get away with their excessive rates because of consumer misinformation and the unfair competitive edge held…

  20. 41 CFR 101-26.4901-149 - Standard Form 149, U.S. Government National Credit Card.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 41 Public Contracts and Property Management 2 2010-07-01 2010-07-01 true Standard Form 149, U.S. Government National Credit Card. 101-26.4901-149 Section 101-26.4901-149 Public Contracts and Property... 149, U.S. Government National Credit Card. Note: The form illustrated in § 101-26.4901-149 is filed as...

  1. 76 FR 67755 - Privacy Act of 1974; Department of Homeland Security U.S. Customs and Border Protection DHS/CBP...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-11-02

    ... 1974; Department of Homeland Security U.S. Customs and Border Protection DHS/CBP-003 Credit/Debit Card... Security/U.S Customs and Border Protection--003 Credit/Debit Card Data System of Records.'' This system... any credit and debit card transactions with it has with individuals. Additionally, the Department of...

  2. Credit Card Misuse, Money Attitudes, and Compulsive Buying Behaviors: A Comparison of Internal and External Locus of Control (LOC) Consumers

    ERIC Educational Resources Information Center

    Watson, Stevie

    2009-01-01

    This study examined attitudinal and behavioral differences between internal and external locus of control (LOC) consumers on credit card misuse, the importance of money, and compulsive buying. Using multiple analysis of variance and separate analyses of variance, internal LOC consumers were found to have lower scores on credit card misuse and…

  3. 41 CFR 101-26.4901-149 - Standard Form 149, U.S. Government National Credit Card.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... 41 Public Contracts and Property Management 2 2012-07-01 2012-07-01 false Standard Form 149, U.S. Government National Credit Card. 101-26.4901-149 Section 101-26.4901-149 Public Contracts and Property... 149, U.S. Government National Credit Card. Note: The form illustrated in § 101-26.4901-149 is filed as...

  4. 41 CFR 101-26.4901-149 - Standard Form 149, U.S. Government National Credit Card.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 41 Public Contracts and Property Management 2 2011-07-01 2007-07-01 true Standard Form 149, U.S. Government National Credit Card. 101-26.4901-149 Section 101-26.4901-149 Public Contracts and Property... 149, U.S. Government National Credit Card. Note: The form illustrated in § 101-26.4901-149 is filed as...

  5. 41 CFR 101-26.4901-149 - Standard Form 149, U.S. Government National Credit Card.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... 41 Public Contracts and Property Management 2 2014-07-01 2012-07-01 true Standard Form 149, U.S. Government National Credit Card. 101-26.4901-149 Section 101-26.4901-149 Public Contracts and Property... 149, U.S. Government National Credit Card. Note: The form illustrated in § 101-26.4901-149 is filed as...

  6. 41 CFR 101-26.4901-149 - Standard Form 149, U.S. Government National Credit Card.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... 41 Public Contracts and Property Management 2 2013-07-01 2012-07-01 true Standard Form 149, U.S. Government National Credit Card. 101-26.4901-149 Section 101-26.4901-149 Public Contracts and Property... 149, U.S. Government National Credit Card. Note: The form illustrated in § 101-26.4901-149 is filed as...

  7. Optical Verification Laboratory Demonstration System for High Security Identification Cards

    NASA Technical Reports Server (NTRS)

    Javidi, Bahram

    1997-01-01

    Document fraud including unauthorized duplication of identification cards and credit cards is a serious problem facing the government, banks, businesses, and consumers. In addition, counterfeit products such as computer chips, and compact discs, are arriving on our shores in great numbers. With the rapid advances in computers, CCD technology, image processing hardware and software, printers, scanners, and copiers, it is becoming increasingly easy to reproduce pictures, logos, symbols, paper currency, or patterns. These problems have stimulated an interest in research, development and publications in security technology. Some ID cards, credit cards and passports currently use holograms as a security measure to thwart copying. The holograms are inspected by the human eye. In theory, the hologram cannot be reproduced by an unauthorized person using commercially-available optical components; in practice, however, technology has advanced to the point where the holographic image can be acquired from a credit card-photographed or captured with by a CCD camera-and a new hologram synthesized using commercially-available optical components or hologram-producing equipment. Therefore, a pattern that can be read by a conventional light source and a CCD camera can be reproduced. An optical security and anti-copying device that provides significant security improvements over existing security technology was demonstrated. The system can be applied for security verification of credit cards, passports, and other IDs so that they cannot easily be reproduced. We have used a new scheme of complex phase/amplitude patterns that cannot be seen and cannot be copied by an intensity-sensitive detector such as a CCD camera. A random phase mask is bonded to a primary identification pattern which could also be phase encoded. The pattern could be a fingerprint, a picture of a face, or a signature. The proposed optical processing device is designed to identify both the random phase mask and the primary pattern [1-3]. We have demonstrated experimentally an optical processor for security verification of objects, products, and persons. This demonstration is very important to encourage industries to consider the proposed system for research and development.

  8. 12 CFR 710.4 - Transaction of business during liquidation.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... interest, payment of necessary expenses, clearing of share drafts and credit card charges will continue. (b... notified to discontinue the use of share drafts and credit cards, and items will not be cleared 15 days....4 Section 710.4 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING CREDIT...

  9. 12 CFR 710.4 - Transaction of business during liquidation.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... interest, payment of necessary expenses, clearing of share drafts and credit card charges will continue. (b... notified to discontinue the use of share drafts and credit cards, and items will not be cleared 15 days....4 Section 710.4 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING CREDIT...

  10. 12 CFR 710.4 - Transaction of business during liquidation.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... interest, payment of necessary expenses, clearing of share drafts and credit card charges will continue. (b... notified to discontinue the use of share drafts and credit cards, and items will not be cleared 15 days....4 Section 710.4 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING CREDIT...

  11. 12 CFR 710.4 - Transaction of business during liquidation.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... interest, payment of necessary expenses, clearing of share drafts and credit card charges will continue. (b... notified to discontinue the use of share drafts and credit cards, and items will not be cleared 15 days....4 Section 710.4 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING CREDIT...

  12. 12 CFR 710.4 - Transaction of business during liquidation.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... interest, payment of necessary expenses, clearing of share drafts and credit card charges will continue. (b... notified to discontinue the use of share drafts and credit cards, and items will not be cleared 15 days....4 Section 710.4 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING CREDIT...

  13. A Hybrid Data Mining Approach for Credit Card Usage Behavior Analysis

    NASA Astrophysics Data System (ADS)

    Tsai, Chieh-Yuan

    Credit card is one of the most popular e-payment approaches in current online e-commerce. To consolidate valuable customers, card issuers invest a lot of money to maintain good relationship with their customers. Although several efforts have been done in studying card usage motivation, few researches emphasize on credit card usage behavior analysis when time periods change from t to t+1. To address this issue, an integrated data mining approach is proposed in this paper. First, the customer profile and their transaction data at time period t are retrieved from databases. Second, a LabelSOM neural network groups customers into segments and identify critical characteristics for each group. Third, a fuzzy decision tree algorithm is used to construct usage behavior rules of interesting customer groups. Finally, these rules are used to analysis the behavior changes between time periods t and t+1. An implementation case using a practical credit card database provided by a commercial bank in Taiwan is illustrated to show the benefits of the proposed framework.

  14. Procurement Cards Pave the Way to Efficient Purchasing.

    ERIC Educational Resources Information Center

    Enos, Eileen D.

    1999-01-01

    As educators battle restricted budgets, inflation, and enrollment changes, strategic sourcing management is replacing traditional transaction-based procurement. Procurement-card programs, allowing organizations to use credit cards for small purchases or low-value items, save time and enhance controls over merchants, credit limits, issuance limits,…

  15. 31 CFR 585.512 - Transactions relating to travel to or within the FRY (S&M).

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... into or out of the FRY (S&M). (c) This section does not authorize U.S. persons to utilize charge cards, including, but not limited to, debit cards, credit cards or other credit facilities in the FRY (S&M) in...

  16. Comparison of Affective Credit Attitude Scores and Credit Use of College Students at Two Points in Time.

    ERIC Educational Resources Information Center

    Hayhoe, Celia Ray

    2002-01-01

    A study of 120 college students' use of credit in 1997 and 1999 showed that, during that time, 60 students graduated; 41 had more credit cards in 1999 than 1997; 62 had fewer; and 32 were repaying student loans. Affective credit attitude scores for those with four or more credit cards and for students who had graduated were lower in 1999 than in…

  17. Unconditionally Secure Credit/Debit Card Chip Scheme and Physical Unclonable Function

    NASA Astrophysics Data System (ADS)

    Kish, Laszlo B.; Entesari, Kamran; Granqvist, Claes-Göran; Kwan, Chiman

    The statistical-physics-based Kirchhoff-law-Johnson-noise (KLJN) key exchange offers a new and simple unclonable system for credit/debit card chip authentication and payment. The key exchange, the authentication and the communication are unconditionally secure so that neither mathematics- nor statistics-based attacks are able to crack the scheme. The ohmic connection and the short wiring lengths between the chips in the card and the terminal constitute an ideal setting for the KLJN protocol, and even its simplest versions offer unprecedented security and privacy for credit/debit card chips and applications of physical unclonable functions (PUFs).

  18. 48 CFR 1413.201 - General.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... in the Federal Supply Schedule for Government-wide Commercial Credit Card Services, Treasury... Commercial Credit Card” issued by PAM contain guidance on using Government-wide purchase card services. ...

  19. 48 CFR 1413.201 - General.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... in the Federal Supply Schedule for Government-wide Commercial Credit Card Services, Treasury... Commercial Credit Card” issued by PAM contain guidance on using Government-wide purchase card services. ...

  20. 48 CFR 1413.201 - General.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... in the Federal Supply Schedule for Government-wide Commercial Credit Card Services, Treasury... Commercial Credit Card” issued by PAM contain guidance on using Government-wide purchase card services. ...

  1. 48 CFR 1413.201 - General.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... in the Federal Supply Schedule for Government-wide Commercial Credit Card Services, Treasury... Commercial Credit Card” issued by PAM contain guidance on using Government-wide purchase card services. ...

  2. 48 CFR 1413.201 - General.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... in the Federal Supply Schedule for Government-wide Commercial Credit Card Services, Treasury... Commercial Credit Card” issued by PAM contain guidance on using Government-wide purchase card services. ...

  3. An Anonymous Credit Card System

    NASA Astrophysics Data System (ADS)

    Androulaki, Elli; Bellovin, Steven

    Credit cards have many important benefits; however, these same benefits often carry with them many privacy concerns. In particular, the need for users to be able to monitor their own transactions, as well as bank’s need to justify its payment requests from cardholders, entitle the latter to maintain a detailed log of all transactions its credit card customers were involved in. A bank can thus build a profile of each cardholder even without the latter’s consent. In this paper, we present a practical and accountable anonymous credit system based on ecash, with a privacy preserving mechanism for error correction and expense-reporting.

  4. Optimizing revenue at a cosmetic surgery centre

    PubMed Central

    Funk, Joanna M; Verheyden, Charles N; Mahabir, Raman C

    2011-01-01

    BACKGROUND: The demand for cosmetic surgery and services has diminished with recent fluctuations in the economy. To stay ahead, surgeons must appreciate and attend to the fiscal challenges of private practice. A key component of practice economics is knowledge of the common methods of payment. OBJECTIVE: To review methods of payment in a five-surgeon group practice in central Texas, USA. METHODS: A retrospective chart review of the financial records of a cosmetic surgery centre in Texas was conducted. Data were collected for the five-year period from 2003 to 2008, and included the method of payment, the item purchased (product, service or surgery) and the dollar amount. RESULTS: More than 11,000 transactions were reviewed. The most common method of payment used for products and services was credit card, followed by check and cash. For procedures, the most common form of payment was personal check, followed by credit card and financing. Of the credit card purchases for both products and procedures, an overwhelming majority of patients (more than 75%) used either Visa (Visa Inc, USA) or MasterCard (MasterCard Worldwide, USA). If the amount of the individual transaction surpassed US$1,000, the most common method of payment transitioned from credit card to personal check. CONCLUSIONS: In an effort to maximize revenue, surgeons should consider limiting the credit cards accepted by the practice and encourage payment through personal check. PMID:22942656

  5. Optimizing revenue at a cosmetic surgery centre.

    PubMed

    Funk, Joanna M; Verheyden, Charles N; Mahabir, Raman C

    2011-01-01

    The demand for cosmetic surgery and services has diminished with recent fluctuations in the economy. To stay ahead, surgeons must appreciate and attend to the fiscal challenges of private practice. A key component of practice economics is knowledge of the common methods of payment. To review methods of payment in a five-surgeon group practice in central Texas, USA. A retrospective chart review of the financial records of a cosmetic surgery centre in Texas was conducted. Data were collected for the five-year period from 2003 to 2008, and included the method of payment, the item purchased (product, service or surgery) and the dollar amount. More than 11,000 transactions were reviewed. The most common method of payment used for products and services was credit card, followed by check and cash. For procedures, the most common form of payment was personal check, followed by credit card and financing. Of the credit card purchases for both products and procedures, an overwhelming majority of patients (more than 75%) used either Visa (Visa Inc, USA) or MasterCard (MasterCard Worldwide, USA). If the amount of the individual transaction surpassed US$1,000, the most common method of payment transitioned from credit card to personal check. In an effort to maximize revenue, surgeons should consider limiting the credit cards accepted by the practice and encourage payment through personal check.

  6. Credit-Card Bill Seeks to Protect Students but Could Limit Their Access to Credit

    ERIC Educational Resources Information Center

    Field, Kelly

    2009-01-01

    Congress passed legislation last week that would shield students and other consumers from sudden spikes in interest rates and fees, but that could make it harder for young people to access credit to pay for college. The legislation would extend broad new consumer protections to all credit-card holders, offering special protections to college…

  7. 31 CFR 1028.600-1028.670 - [Reserved

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ...) FINANCIAL CRIMES ENFORCEMENT NETWORK, DEPARTMENT OF THE TREASURY RULES FOR OPERATORS OF CREDIT CARD SYSTEMS Special Standards of Diligence; Prohibitions; and Special Measures for Operators of Credit Card Systems...

  8. 31 CFR 1028.600-1028.670 - [Reserved

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ...) FINANCIAL CRIMES ENFORCEMENT NETWORK, DEPARTMENT OF THE TREASURY RULES FOR OPERATORS OF CREDIT CARD SYSTEMS Special Standards of Diligence; Prohibitions; and Special Measures for Operators of Credit Card Systems...

  9. 31 CFR 1028.600-1028.670 - [Reserved

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ...) FINANCIAL CRIMES ENFORCEMENT NETWORK, DEPARTMENT OF THE TREASURY RULES FOR OPERATORS OF CREDIT CARD SYSTEMS Special Standards of Diligence; Prohibitions; and Special Measures for Operators of Credit Card Systems...

  10. 31 CFR 1028.600-1028.670 - [Reserved

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ...) FINANCIAL CRIMES ENFORCEMENT NETWORK, DEPARTMENT OF THE TREASURY RULES FOR OPERATORS OF CREDIT CARD SYSTEMS Special Standards of Diligence; Prohibitions; and Special Measures for Operators of Credit Card Systems...

  11. 29 CFR 4.123 - Administrative limitations, variances, tolerances, and exemptions.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... servicing of cards (including credit cards, debit cards, purchase cards, smart cards, and similar card... military personnel in buying and selling homes (which shall not include actual moving or storage of...

  12. 45 CFR 158.241 - Form of rebate.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... method that was used for payment, such as credit card or direct debit. ... in the form of a premium credit, lump-sum check, or, if an enrollee paid the premium using a credit card or direct debit, by lump-sum reimbursement to the account used to pay the premium. (2) Any rebate...

  13. Paying to Get Paid.

    PubMed

    Sorrel, Amy Lynn

    2015-12-01

    Some health plans and third-party vendors that process plan payments are moving to virtual credit cards, without warning and without much explanation of fees or opt-out procedures. Physician practices don't have to accept the financial and administrative costs associated with virtual cards. TMA officials say doctors have a choice and the right to demand that their payers issue payments via direct deposit.

  14. An Application of Robust Method in Multiple Linear Regression Model toward Credit Card Debt

    NASA Astrophysics Data System (ADS)

    Amira Azmi, Nur; Saifullah Rusiman, Mohd; Khalid, Kamil; Roslan, Rozaini; Sufahani, Suliadi; Mohamad, Mahathir; Salleh, Rohayu Mohd; Hamzah, Nur Shamsidah Amir

    2018-04-01

    Credit card is a convenient alternative replaced cash or cheque, and it is essential component for electronic and internet commerce. In this study, the researchers attempt to determine the relationship and significance variables between credit card debt and demographic variables such as age, household income, education level, years with current employer, years at current address, debt to income ratio and other debt. The provided data covers 850 customers information. There are three methods that applied to the credit card debt data which are multiple linear regression (MLR) models, MLR models with least quartile difference (LQD) method and MLR models with mean absolute deviation method. After comparing among three methods, it is found that MLR model with LQD method became the best model with the lowest value of mean square error (MSE). According to the final model, it shows that the years with current employer, years at current address, household income in thousands and debt to income ratio are positively associated with the amount of credit debt. Meanwhile variables for age, level of education and other debt are negatively associated with amount of credit debt. This study may serve as a reference for the bank company by using robust methods, so that they could better understand their options and choice that is best aligned with their goals for inference regarding to the credit card debt.

  15. College Student Credit Card Usage and Debt.

    ERIC Educational Resources Information Center

    Rybka, Kathryn M.

    2001-01-01

    Provides an overview of the concerns related to credit card usage by college students. Offers information student affairs professionals can use to help college students make responsible choices. (Contains 26 references.) (GCP)

  16. 31 CFR 1028.410 - Recordkeeping.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... ENFORCEMENT NETWORK, DEPARTMENT OF THE TREASURY RULES FOR OPERATORS OF CREDIT CARD SYSTEMS Records Required To Be Maintained By Operators of Credit Card Systems § 1028.410 Recordkeeping. Refer to § 1010.410 of...

  17. 31 CFR 1028.410 - Recordkeeping.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... ENFORCEMENT NETWORK, DEPARTMENT OF THE TREASURY RULES FOR OPERATORS OF CREDIT CARD SYSTEMS Records Required To Be Maintained By Operators of Credit Card Systems § 1028.410 Recordkeeping. Refer to § 1010.410 of...

  18. 31 CFR 1028.410 - Recordkeeping.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... ENFORCEMENT NETWORK, DEPARTMENT OF THE TREASURY RULES FOR OPERATORS OF CREDIT CARD SYSTEMS Records Required To Be Maintained By Operators of Credit Card Systems § 1028.410 Recordkeeping. Refer to § 1010.410 of...

  19. 31 CFR 1028.410 - Recordkeeping.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... ENFORCEMENT NETWORK, DEPARTMENT OF THE TREASURY RULES FOR OPERATORS OF CREDIT CARD SYSTEMS Records Required To Be Maintained By Operators of Credit Card Systems § 1028.410 Recordkeeping. Refer to § 1010.410 of...

  20. Do Community Characteristics Relate to Young Adult College Students' Credit Card Debt? The Hypothesized Role of Collective Institutional Efficacy.

    PubMed

    Friedline, Terri; West, Stacia; Rosell, Nehemiah; Serido, Joyce; Shim, Soyeon

    2017-03-01

    This study examines the extent of emergent, outstanding credit card debt among young adult college students and investigates whether any associations existed between this credit card debt and the characteristics of the communities in which these students grew up or lived. Using data (N = 748) from a longitudinal survey and merging community characteristics measured at the zip code level, we confirmed that a community's unemployment rate, average total debt, average credit score, and number of bank branch offices were associated with a young adult college student's acquisition and accumulation of credit card debt. For example, a community's higher unemployment rate and lower number of bank branches were associated with a young adult college student's greater accumulated debt. Community characteristics had the strongest associations with credit card debt, especially after controlling for individual characteristics (i.e., a young adult college student's race and financial independence) and familial characteristics (i.e., their parents' income and parents' discussions of financial matters while growing up at home). The findings may help to understand the unique roles that communities play in shaping children and young adults' financial capability, and how communities can be better capacitated to support the financial goals of their residents. © Society for Community Research and Action 2017.

  1. Playing the Smart Card.

    ERIC Educational Resources Information Center

    Zuzack, Christine A.

    1997-01-01

    Enhanced magnetic strip cards and "smart cards" offer varied service options to college students. Enhanced magnetic strip cards serve as cash cards and provide access to services. Smart cards, which resemble credit cards but contain a microchip, can be used as phone cards, bus passes, library cards, admission tickets, point-of-sale debit…

  2. 31 CFR 1028.310-1028.320 - [Reserved

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ...) FINANCIAL CRIMES ENFORCEMENT NETWORK, DEPARTMENT OF THE TREASURY RULES FOR OPERATORS OF CREDIT CARD SYSTEMS Reports Required To Be Made by Operators of Credit Card Systems §§ 1028.310-1028.320 [Reserved] ...

  3. 31 CFR 1028.310-1028.320 - [Reserved

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ...) FINANCIAL CRIMES ENFORCEMENT NETWORK, DEPARTMENT OF THE TREASURY RULES FOR OPERATORS OF CREDIT CARD SYSTEMS Reports Required To Be Made by Operators of Credit Card Systems §§ 1028.310-1028.320 [Reserved] ...

  4. 31 CFR 1028.310-1028.320 - [Reserved

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ...) FINANCIAL CRIMES ENFORCEMENT NETWORK, DEPARTMENT OF THE TREASURY RULES FOR OPERATORS OF CREDIT CARD SYSTEMS Reports Required To Be Made by Operators of Credit Card Systems §§ 1028.310-1028.320 [Reserved] ...

  5. 31 CFR 1028.310-1028.320 - [Reserved

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ...) FINANCIAL CRIMES ENFORCEMENT NETWORK, DEPARTMENT OF THE TREASURY RULES FOR OPERATORS OF CREDIT CARD SYSTEMS Reports Required To Be Made by Operators of Credit Card Systems §§ 1028.310-1028.320 [Reserved] ...

  6. Credit Card Usage among Older Adults: Assessing Financial Literacy and Pressures

    ERIC Educational Resources Information Center

    St. Pierre, Eileen; Shreffler, Karina

    2013-01-01

    The research reported here assessed the financial literacy of older adults living in rural communities, current use of and attitudes towards debt, and debt pressures. Those surveyed exhibit low credit card usage and responsible payment practices. Most never use credit to pay medical expenses. Respondents display a financial literacy level similar…

  7. 31 CFR 544.409 - Credit extended and cards issued by U.S. financial institutions.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... 31 Money and Finance:Treasury 3 2012-07-01 2012-07-01 false Credit extended and cards issued by U.S. financial institutions. 544.409 Section 544.409 Money and Finance: Treasury Regulations Relating... OF MASS DESTRUCTION PROLIFERATORS SANCTIONS REGULATIONS Interpretations § 544.409 Credit extended and...

  8. 31 CFR 544.409 - Credit extended and cards issued by U.S. financial institutions.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 31 Money and Finance:Treasury 3 2011-07-01 2011-07-01 false Credit extended and cards issued by U.S. financial institutions. 544.409 Section 544.409 Money and Finance: Treasury Regulations Relating... OF MASS DESTRUCTION PROLIFERATORS SANCTIONS REGULATIONS Interpretations § 544.409 Credit extended and...

  9. 31 CFR 544.409 - Credit extended and cards issued by U.S. financial institutions.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... 31 Money and Finance:Treasury 3 2014-07-01 2014-07-01 false Credit extended and cards issued by U.S. financial institutions. 544.409 Section 544.409 Money and Finance: Treasury Regulations Relating... OF MASS DESTRUCTION PROLIFERATORS SANCTIONS REGULATIONS Interpretations § 544.409 Credit extended and...

  10. 31 CFR 544.409 - Credit extended and cards issued by U.S. financial institutions.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... 31 Money and Finance:Treasury 3 2013-07-01 2013-07-01 false Credit extended and cards issued by U.S. financial institutions. 544.409 Section 544.409 Money and Finance: Treasury Regulations Relating... OF MASS DESTRUCTION PROLIFERATORS SANCTIONS REGULATIONS Interpretations § 544.409 Credit extended and...

  11. Hyperspectral imaging-based credit card verifier structure with adaptive learning.

    PubMed

    Sumriddetchkajorn, Sarun; Intaravanne, Yuttana

    2008-12-10

    We propose and experimentally demonstrate a hyperspectral imaging-based optical structure for verifying a credit card. Our key idea comes from the fact that the fine detail of the embossed hologram stamped on the credit card is hard to duplicate, and therefore its key color features can be used for distinguishing between the real and counterfeit ones. As the embossed hologram is a diffractive optical element, we shine a number of broadband light sources one at a time, each at a different incident angle, on the embossed hologram of the credit card in such a way that different color spectra per incident angle beam are diffracted and separated in space. In this way, the center of mass of the histogram on each color plane is investigated by using a feed-forward backpropagation neural-network configuration. Our experimental demonstration using two off-the-shelf broadband white light emitting diodes, one digital camera, and a three-layer neural network can effectively identify 38 genuine and 109 counterfeit credit cards with false rejection rates of 5.26% and 0.92%, respectively. Key features include low cost, simplicity, no moving parts, no need of an additional decoding key, and adaptive learning.

  12. 49 CFR 209.109 - Payment of penalty; compromise.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... certified check, money order, or credit card. Payments made by certified check or money order should be made... Blvd. Headquarters Building, Room 176, Oklahoma City, OK 73169. Payment by credit card must be made via...

  13. 78 FR 34380 - Agency Information Collection Activities; Proposals Submissions, and Approvals

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-06-07

    ... application reduces user confusion and wasted effort. The application allows for payment by credit card. The... application allows for payment by credit card. Affected Public: This form affects entities involved in the...

  14. 12 CFR 227.23 - Unfair acts or practices regarding allocation of payments.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... Credit Card Account Practices Rule § 227.23 Unfair acts or practices regarding allocation of payments. When different annual percentage rates apply to different balances on a consumer credit card account...

  15. 49 CFR 209.109 - Payment of penalty; compromise.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... certified check, money order, or credit card. Payments made by certified check or money order should be made... Blvd. Headquarters Building, Room 176, Oklahoma City, OK 73169. Payment by credit card must be made via...

  16. 49 CFR 209.109 - Payment of penalty; compromise.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... certified check, money order, or credit card. Payments made by certified check or money order should be made... Blvd. Headquarters Building, Room 176, Oklahoma City, OK 73169. Payment by credit card must be made via...

  17. 49 CFR 209.109 - Payment of penalty; compromise.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... certified check, money order, or credit card. Payments made by certified check or money order should be made... Blvd. Headquarters Building, Room 176, Oklahoma City, OK 73169. Payment by credit card must be made via...

  18. 49 CFR 209.109 - Payment of penalty; compromise.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... certified check, money order, or credit card. Payments made by certified check or money order should be made... Blvd. Headquarters Building, Room 176, Oklahoma City, OK 73169. Payment by credit card must be made via...

  19. Credit cues and impression management: a preliminary attempt to explain the credit card effect.

    PubMed

    McCall, Michael; Trombetta, Jessica; Gipe, Aimee

    2004-08-01

    Prior research had suggested that individuals would estimate higher product values and even tip more in the presence of credit cues. In the absence of a clear theoretical interpretation of this credit card effect we propose that this tendency is an impression management strategy such that credit cue exposure influences perceptions of the self and focuses attention on individual wealth. Thus, in the presence of others, credit cues serve to enhance images of the self. Preliminary data in support of this alternative theoretical perspective are presented.

  20. An Investigation into Credit Card Debt among College Students

    ERIC Educational Resources Information Center

    Williams, Dylan; Waterwall, Brian; Giardelli, Tiffany

    2008-01-01

    It is no surprise that the amount of credit card debt and outstanding loan balances of college students is increasing every year. College students are heavily targeted by credit companies through the use of e-mail, campus booths, and standard mail. The reason for these solicitations is because of the soaring expense levels of college students and…

  1. 12 CFR Appendix M2 to Part 226 - Actual Repayment Disclosures

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... Disclosures (a) Calculating actual repayment disclosures. (1) Definitions. (i) “Retail credit card” means a credit card that is issued by a retailer that can be used only in transactions with the retailer or a group of retailers that are related by common ownership or control, or a credit card where a retailer...

  2. 45 CFR 158.241 - Form of rebate.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... reimbursement using the same method that was used for payment, such as credit card or direct debit. [75 FR 74921... in the form of a premium credit, lump-sum check, or, if an enrollee paid the premium using a credit card or direct debit, by lump-sum reimbursement to the account used to pay the premium. (2) For each of...

  3. 45 CFR 158.241 - Form of rebate.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... check or lump-sum reimbursement using the same method that was used for payment, such as credit card or... in the form of a premium credit, lump-sum check, or, if an enrollee paid the premium using a credit card or direct debit, by lump-sum reimbursement to the account used to pay the premium. (2) Any rebate...

  4. Credit Cards, Economization of Money, and Interest Rates.

    ERIC Educational Resources Information Center

    Steindl, Frank G.

    2000-01-01

    Focuses on the effect of interest rates on the increased use of credit cards, a popular method of financing households. Uses three models to demonstrate that interest rates must rise, resulting in increased consumption expenditures. (CMK)

  5. 14 CFR 187.15 - Payment of fees.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ..., or by credit card payable in U.S. currency, prior to the provision of any service under this part. (b... electronic funds transfer, check, money order, credit card, or draft. [Doc. No. 27809, 60 FR 19631, Apr. 19...

  6. 14 CFR 187.15 - Payment of fees.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ..., or by credit card payable in U.S. currency, prior to the provision of any service under this part. (b... electronic funds transfer, check, money order, credit card, or draft. [Doc. No. 27809, 60 FR 19631, Apr. 19...

  7. 14 CFR 187.15 - Payment of fees.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ..., or by credit card payable in U.S. currency, prior to the provision of any service under this part. (b... electronic funds transfer, check, money order, credit card, or draft. [Doc. No. 27809, 60 FR 19631, Apr. 19...

  8. 77 FR 75434 - Proposed Agency Information Collection Activities; Comment Request

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-12-20

    ... Credit Card Data Collection Data Dictionary The Federal Reserve proposes to add 65 data items to the Domestic Credit Card Data Collection Data Dictionary schedule. 46 data items would be added at the account...

  9. Staff - Linda D. Natrop | Alaska Division of Geological & Geophysical

    Science.gov Websites

    DGGS library, timesheet processing, state credit card accounting, public information desk, mail and postage, vehicle coordinator, property records, maintain supplies, and other administrative duties as

  10. 7 CFR 500.25 - Payment of fees.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... enters into an agreement to allow USNA visitors and users to make payment in the form of a credit card, USNA visitors and users who are assessed user fees may pay those fees with a credit card subject to the...

  11. 46 CFR 2.10-20 - General requirements.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... the U.S. Treasury. Payment may also be made by credit card or wire transfer. (c) All payments must be... required by this subpart must be mailed to the following addresses: For payment by credit card, U.S. Coast...

  12. 7 CFR 500.25 - Payment of fees.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... enters into an agreement to allow USNA visitors and users to make payment in the form of a credit card, USNA visitors and users who are assessed user fees may pay those fees with a credit card subject to the...

  13. 43 CFR 3830.23 - What types of payment will BLM accept?

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... Interior—Bureau of Land Management; (4) Valid credit card that is acceptable to the BLM; or (5) An... issuing institution of your check, negotiable instrument, or credit card refuses to pay and it is not...

  14. 43 CFR 3830.23 - What types of payment will BLM accept?

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... Interior—Bureau of Land Management; (4) Valid credit card that is acceptable to the BLM; or (5) An... issuing institution of your check, negotiable instrument, or credit card refuses to pay and it is not...

  15. 7 CFR 500.25 - Payment of fees.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... enters into an agreement to allow USNA visitors and users to make payment in the form of a credit card, USNA visitors and users who are assessed user fees may pay those fees with a credit card subject to the...

  16. 7 CFR 500.25 - Payment of fees.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... enters into an agreement to allow USNA visitors and users to make payment in the form of a credit card, USNA visitors and users who are assessed user fees may pay those fees with a credit card subject to the...

  17. 43 CFR 3830.23 - What types of payment will BLM accept?

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... Interior—Bureau of Land Management; (4) Valid credit card that is acceptable to the BLM; or (5) An... issuing institution of your check, negotiable instrument, or credit card refuses to pay and it is not...

  18. 7 CFR 500.25 - Payment of fees.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... enters into an agreement to allow USNA visitors and users to make payment in the form of a credit card, USNA visitors and users who are assessed user fees may pay those fees with a credit card subject to the...

  19. 43 CFR 3830.23 - What types of payment will BLM accept?

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... Interior—Bureau of Land Management; (4) Valid credit card that is acceptable to the BLM; or (5) An... issuing institution of your check, negotiable instrument, or credit card refuses to pay and it is not...

  20. Kiddie Credit Cards. Hearing before the Subcommittee on Consumer Credit and Insurance of the Committee on Banking, Finance and Urban Affairs. House of Representatives, One Hundred Third Congress, Second Session (March 10, 1994).

    ERIC Educational Resources Information Center

    Congress of the U.S., Washington, DC. House Committee on Banking, Finance and Urban Affairs.

    This hearing transcript presents testimony and discussion of a congressional committee on the marketing of credit cards to high school and college students and the consequences of that activity. Chairman Joseph P. Kennedy opened the hearing with a statement describing aggressive credit marketing to this population and some of his concerns. Ruth…

  1. 26 CFR 301.6103(k)(9)-1 - Disclosure of returns and return information relating to payment of tax by credit card and debit...

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 26 Internal Revenue 18 2013-04-01 2013-04-01 false Disclosure of returns and return information relating to payment of tax by credit card and debit card. 301.6103(k)(9)-1 Section 301.6103(k)(9)-1... ADMINISTRATION PROCEDURE AND ADMINISTRATION Information and Returns Returns and Records § 301.6103(k)(9)-1...

  2. 26 CFR 301.6103(k)(9)-1 - Disclosure of returns and return information relating to payment of tax by credit card and debit...

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 26 Internal Revenue 18 2011-04-01 2011-04-01 false Disclosure of returns and return information relating to payment of tax by credit card and debit card. 301.6103(k)(9)-1 Section 301.6103(k)(9)-1... ADMINISTRATION PROCEDURE AND ADMINISTRATION Information and Returns Returns and Records § 301.6103(k)(9)-1...

  3. 26 CFR 301.6103(k)(9)-1 - Disclosure of returns and return information relating to payment of tax by credit card and debit...

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 26 Internal Revenue 18 2014-04-01 2014-04-01 false Disclosure of returns and return information relating to payment of tax by credit card and debit card. 301.6103(k)(9)-1 Section 301.6103(k)(9)-1... ADMINISTRATION PROCEDURE AND ADMINISTRATION Information and Returns Returns and Records § 301.6103(k)(9)-1...

  4. 26 CFR 301.6103(k)(9)-1 - Disclosure of returns and return information relating to payment of tax by credit card and debit...

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 26 Internal Revenue 18 2012-04-01 2012-04-01 false Disclosure of returns and return information relating to payment of tax by credit card and debit card. 301.6103(k)(9)-1 Section 301.6103(k)(9)-1... ADMINISTRATION PROCEDURE AND ADMINISTRATION Information and Returns Returns and Records § 301.6103(k)(9)-1...

  5. 26 CFR 301.6103(k)(9)-1 - Disclosure of returns and return information relating to payment of tax by credit card and debit...

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 26 Internal Revenue 18 2010-04-01 2010-04-01 false Disclosure of returns and return information relating to payment of tax by credit card and debit card. 301.6103(k)(9)-1 Section 301.6103(k)(9)-1... ADMINISTRATION PROCEDURE AND ADMINISTRATION Information and Returns Returns and Records § 301.6103(k)(9)-1...

  6. 47 CFR 1.1182 - Schedule of fees for products and services provided by the Commission in connection with...

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... Payment to auction contractor by credit card or check. (Public Notice will specify exact payment...) to same person or entity Payment to auction contractor by credit card or check. (Public Notice will...

  7. 47 CFR 1.1182 - Schedule of fees for products and services provided by the Commission in connection with...

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... Payment to auction contractor by credit card or check. (Public Notice will specify exact payment...) to same person or entity Payment to auction contractor by credit card or check. (Public Notice will...

  8. 47 CFR 1.1182 - Schedule of fees for products and services provided by the Commission in connection with...

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... Payment to auction contractor by credit card or check. (Public Notice will specify exact payment...) to same person or entity Payment to auction contractor by credit card or check. (Public Notice will...

  9. 47 CFR 1.10001 - Definitions.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    .... Pay by online credit card (through IBFS) The date your online credit card payment is approved. (Note... Frequencies in the United States officially filed the moment you file them through IBFS. The system tracks the... Telecommunication FEDERAL COMMUNICATIONS COMMISSION GENERAL PRACTICE AND PROCEDURE International Bureau Filing...

  10. 47 CFR 1.10001 - Definitions.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    .... Pay by online credit card (through IBFS) The date your online credit card payment is approved. (Note... Frequencies in the United States officially filed the moment you file them through IBFS. The system tracks the... Telecommunication FEDERAL COMMUNICATIONS COMMISSION GENERAL PRACTICE AND PROCEDURE International Bureau Filing...

  11. Trial of a "credit card" asthma self-management plan in a high-risk group of patients with asthma.

    PubMed

    D'Souza, W; Burgess, C; Ayson, M; Crane, J; Pearce, N; Beasley, R

    1996-05-01

    The "credit card" asthma self-management plan provides the adult asthmatic patient with simple guidelines for the self-management of asthma, which are based on the self-assessment of peak expiratory flow rate recordings and symptoms. The study was a trial of the clinical efficacy of the credit card plan in a high-risk group of asthmatic patients. In this "before-and-after" trial, patients discharged from the emergency department of Wellington Hospital, after treatment for severe asthma were invited to attend a series of hospital outpatient clinics at which the credit card plan was introduced. Questionnaires were used to compare markers of asthma morbidity, requirement for emergency medical care, and medication use during the 6-month period before and after intervention with the credit card plan. Of the 30 patients with asthma who attended the first outpatient clinic, 26 (17 women and 9 men) completed the program. In these 26 participants, there was a reduction in both morbidity and requirement for acute medical services: specifically, the proportion waking with asthma more than once a week decreased from 65% to 23% (p = 0.005) and the proportion visiting the emergency department for treatment of severe asthma decreased from 58% to 15% (p = 0.004). The patients attending the clinics commented favorably on the plan, in particular on its usefulness as an educational tool for monitoring and treating their asthma. Although the interpretation of this study is limited by the lack of a randomized control group, the findings are consistent with other evidence that the credit card asthma self-management plan can be an effective and acceptable system for improving asthma care in a high-risk group of adult patients with asthma.

  12. Community-based asthma care: trial of a "credit card" asthma self-management plan.

    PubMed

    D'Souza, W; Crane, J; Burgess, C; Te Karu, H; Fox, C; Harper, M; Robson, B; Howden-Chapman, P; Crossland, L; Woodman, K

    1994-07-01

    Although asthma self-management plans are widely recommended as essential in the long-term treatment of adult asthma, there have been few studies examining their use. Our objective was to assess the effect of a "credit card" adult asthma self-management plan in a community experiencing major health problems from asthma, by means of a before and after intervention trial of the efficacy of the "credit card" plan, when introduced through community-based asthma clinics. The participants were 69 Maori people with asthma. The "credit card" plan consisted of written guidelines for the self-management of asthma, based on self-assessment of asthma severity, printed on a plastic card. On one side, management guidelines were based on the interpretation of peak expiratory flow rate (PEFR) recordings, whilst the reverse side was based on symptoms. The outcome measures used were before and after comparison of markers of asthma morbidity and requirement for acute medical treatment; and a structured questionnaire assessing the acceptability and use of the credit card plan. Following the introduction of the plan, the mean PEFR increased from 347 to 389 l.min-1, the percentage of nights woken fell from 30.4 to 16.9%, and the number of days "out of action" fell from 3.8 to 1.7%. The requirements for acute medical treatment also fell during the intervention period. Most participants commented favourably on the content and usefulness of the plan. In the situation of worsening asthma, 28% of subjects found the peak flow side of the card most helpful, 7% the symptoms side, and 48% found both sides equally helpful.(ABSTRACT TRUNCATED AT 250 WORDS)

  13. 48 CFR 2913.301 - Governmentwide commercial purchase card.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... purchase card. 2913.301 Section 2913.301 Federal Acquisition Regulations System DEPARTMENT OF LABOR... commercial purchase card. (a) The Government purchase card has far fewer requirements for documentation than other methods of purchasing. However, the same legal restrictions apply to credit card purchases that...

  14. 12 CFR 1002.2 - Definitions.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... applicant to defer payment of a debt, incur debt and defer its payment, or purchase property or services and defer payment therefor. (k) Credit card means any card, plate, coupon book, or other single credit... demonstrates was not intentional and occurred notwithstanding the maintenance of procedures reasonably adapted...

  15. 12 CFR 1002.2 - Definitions.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... applicant to defer payment of a debt, incur debt and defer its payment, or purchase property or services and defer payment therefor. (k) Credit card means any card, plate, coupon book, or other single credit... demonstrates was not intentional and occurred notwithstanding the maintenance of procedures reasonably adapted...

  16. 47 CFR 1.1182 - Schedule of fees for products and services provided by the Commission in connection with...

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... telephone bill. Remote Bidding Software $175.00 per package Payment to auction contractor by credit card or... contractor by credit card or check. (Public Notice will specify exact payment procedures.) [60 FR 38280, July...

  17. 77 FR 37616 - Disclosure of Consumer Complaint Data

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-06-22

    ... X [Docket No. CFPB-2012-0023] Disclosure of Consumer Complaint Data AGENCY: Bureau of Consumer... disclosure of data from consumer complaints about financial products and services other than credit cards... Statement'') describing its plans to disclose consumer credit card complaint data. The present notice (the...

  18. 48 CFR 13.001 - Definitions.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... acquire supplies and services in accordance with this part. Governmentwide commercial purchase card means a purchase card, similar in nature to a commercial credit card, issued to authorized agency...

  19. Buy It Now and Pay for It Later: An Experimental Study of Student Credit Card Use

    ERIC Educational Resources Information Center

    Fagerstrom, Asle; Hantula, Donald A.

    2013-01-01

    Credit card debt is of increasing concern among college students, but reasons for it are not well understood. In a simulated shopping experiment based on a hyperbolic discounted utility model, 21 participants could either save money for a new model of their favorite mobile phone brand and get it in the future or buy the product on credit and get…

  20. Student Credit Card Debt in the 21st Century: Options for Financial Aid Administrators.

    ERIC Educational Resources Information Center

    Oleson, Mark

    2001-01-01

    Provides multiple workable solutions financial aid offices can offer students throughout their college experience to deal with debt: preventive solutions for avoiding problems with credit card debt, holistic solutions for other related problems, and remedial solutions for existing problems. (EV)

  1. 31 CFR 1028.300 - General.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... 31 Money and Finance:Treasury 3 2014-07-01 2014-07-01 false General. 1028.300 Section 1028.300 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) FINANCIAL CRIMES... Be Made by Operators of Credit Card Systems § 1028.300 General. Operators of credit card systems are...

  2. 31 CFR 1028.300 - General.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... 31 Money and Finance:Treasury 3 2013-07-01 2013-07-01 false General. 1028.300 Section 1028.300 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) FINANCIAL CRIMES... Be Made by Operators of Credit Card Systems § 1028.300 General. Operators of credit card systems are...

  3. Payment Services for Global Online Systems Including Internet.

    ERIC Educational Resources Information Center

    Seebeck, Bill; And Others

    1995-01-01

    A panel of four conference presenters address issues related to paying for services provided through online systems. Discussion includes the following topics: metering devices; electronic/digital cash; working within existing banking/credit card structures; provision of payment mechanisms in countries without extensive credit card usage; and…

  4. A Cashless Society? The Plastic Revolution. Resources in Technology.

    ERIC Educational Resources Information Center

    Ritz, John M.

    1993-01-01

    Relates the history of credit cards, their evolution to current forms, and innovations (debit cards, token cards, smart cards). Considers their sociocultural impact. Provides a design brief, including objectives, resources, evaluation criteria, outcomes, and a quiz. (SK)

  5. Neural fraud detection in credit card operations.

    PubMed

    Dorronsoro, J R; Ginel, F; Sgnchez, C; Cruz, C S

    1997-01-01

    This paper presents an online system for fraud detection of credit card operations based on a neural classifier. Since it is installed in a transactional hub for operation distribution, and not on a card-issuing institution, it acts solely on the information of the operation to be rated and of its immediate previous history, and not on historic databases of past cardholder activities. Among the main characteristics of credit card traffic are the great imbalance between proper and fraudulent operations, and a great degree of mixing between both. To ensure proper model construction, a nonlinear version of Fisher's discriminant analysis, which adequately separates a good proportion of fraudulent operations away from other closer to normal traffic, has been used. The system is fully operational and currently handles more than 12 million operations per year with very satisfactory results.

  6. Cigarette sales to minors via the internet: how the story has changed in the wake of federal regulation.

    PubMed

    Williams, Rebecca S; Derrick, Jason; Phillips, K Jean

    2017-07-01

    To assess how easily minors can purchase cigarettes online and online cigarette vendors' compliance with federal age/ID verification and shipping regulations, North Carolina's 2013 tobacco age verification law, and federal prohibitions on the sale of non-menthol flavoured cigarettes or those labelled or advertised as 'light'. In early 2014, 10 minors aged 14-17 attempted to purchase cigarettes by credit card and electronic check from 68 popular internet vendors. Minors received cigarettes from 32.4% of purchase attempts, all delivered by the US Postal Service (USPS) from overseas sellers. None failed due to age/ID verification. All failures were due to payment processing problems. USPS left 63.6% of delivered orders at the door with the remainder handed to minors with no age verification. 70.6% of vendors advertised light cigarettes and 60.3% flavoured, with 23.5% and 11.8%, respectively, delivered to the teens. Study credit cards were exposed to an estimated $7000 of fraudulent charges. Despite years of regulations restricting internet cigarette sales, poor vendor compliance and lack of shipper and federal enforcement leaves minors still able to obtain cigarettes (including 'light' and flavoured) online. The internet cigarette marketplace has shifted overseas, exposing buyers to widespread credit card fraud. Federal agencies should rigorously enforce existing internet cigarette sales laws to prevent illegal shipments from reaching US consumers, shut down non-compliant and fraudulent websites, and stop the theft and fraudulent use of credit card information provided online. Future studies should assess whether these agencies begin adequately enforcing the existing laws. Published by the BMJ Publishing Group Limited. For permission to use (where not already granted under a licence) please go to http://www.bmj.com/company/products-services/rights-and-licensing/.

  7. 26 CFR 1.274-5T - Substantiation requirements (temporary).

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... which are charged directly or indirectly to the employer (for example, through credit cards) or for... directly or indirectly to the client or customer through credit card systems or otherwise. See paragraph (j... only for the driver plus a folding jump seat, (I) Dump trucks (including garbage trucks), (J) Flatbed...

  8. 76 FR 26678 - Withholding on Payments by Government Entities to Persons Providing Property or Services

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-05-09

    ... application of section 3402(t) to payments by debit cards, credit cards, stored value cards, and other payment cards. Proposed regulations under sections 3402(t), 3406, 6011, 6051, 6071, and 6302 of the Code were...

  9. 31 CFR 598.409 - Credit extended and cards issued by U.S. financial institutions.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ....S. financial institutions. 598.409 Section 598.409 Money and Finance: Treasury Regulations Relating... NARCOTICS KINGPIN SANCTIONS REGULATIONS Interpretations § 598.409 Credit extended and cards issued by U.S. financial institutions. The prohibition in § 598.203 on dealing in property in which a specially designated...

  10. 49 CFR 375.401 - Must I estimate charges?

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... to, cash, a certified check, a money order, a cashier s check, a specific charge card such as American ExpressTM, a specific credit card such as VisaTM, or your credit as allowed by § 375.807. (d) For... GOODS IN INTERSTATE COMMERCE; CONSUMER PROTECTION REGULATIONS Estimating Charges § 375.401 Must I...

  11. 31 CFR 594.410 - Credit extended and cards issued by U.S. financial institutions.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... 31 Money and Finance:Treasury 3 2012-07-01 2012-07-01 false Credit extended and cards issued by U.S. financial institutions. 594.410 Section 594.410 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE OF FOREIGN ASSETS CONTROL, DEPARTMENT OF THE TREASURY GLOBAL...

  12. 31 CFR 546.409 - Credit extended and cards issued by U.S. financial institutions.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false Credit extended and cards issued by U.S. financial institutions. 546.409 Section 546.409 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE OF FOREIGN ASSETS CONTROL, DEPARTMENT OF THE TREASURY DARFUR...

  13. 12 CFR 567.12 - Purchased credit card relationships, servicing assets, intangible assets (other than purchased...

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... and core capital. (b) Computation of core and tangible capital. (1) Purchased credit card relationships may be included (that is, not deducted) in computing core capital in accordance with the... restrictions in this section, mortgage servicing assets may be included in computing core and tangible capital...

  14. 31 CFR 1028.210 - Anti-money laundering programs for operators of credit card systems.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... minimum, the program must: (1) Incorporate policies, procedures, and internal controls designed to ensure... program reasonably designed to prevent the operator of a credit card system from being used to facilitate... Designated Nationals List issued by Treasury's Office of Foreign Assets Control; (C) A person located in, or...

  15. 31 CFR 1028.210 - Anti-money laundering programs for operators of credit card systems.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... minimum, the program must: (1) Incorporate policies, procedures, and internal controls designed to ensure... program reasonably designed to prevent the operator of a credit card system from being used to facilitate... Designated Nationals List issued by Treasury's Office of Foreign Assets Control; (C) A person located in, or...

  16. 31 CFR 1028.210 - Anti-money laundering programs for operators of credit card systems.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... minimum, the program must: (1) Incorporate policies, procedures, and internal controls designed to ensure... program reasonably designed to prevent the operator of a credit card system from being used to facilitate... Designated Nationals List issued by Treasury's Office of Foreign Assets Control; (C) A person located in, or...

  17. 31 CFR 1028.210 - Anti-money laundering programs for operators of credit card systems.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... minimum, the program must: (1) Incorporate policies, procedures, and internal controls designed to ensure... program reasonably designed to prevent the operator of a credit card system from being used to facilitate... Designated Nationals List issued by Treasury's Office of Foreign Assets Control; (C) A person located in, or...

  18. 29 CFR 1611.4 - Times, places, and requirements for identification of individuals making requests.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... present sufficient personal identification (e.g., driver's license, employee identification card, social security card, credit cards). If the requester is unable to provide such identification, the requester...

  19. Flu and Finances: Influenza Outbreaks and Loan Defaults in US Cities, 2004-2012.

    PubMed

    Houle, Jason N; Collins, J Michael; Schmeiser, Maximilian D

    2015-09-01

    We examined the association between influenza outbreaks in 83 metropolitan areas and credit card and mortgage defaults, as measured in quarterly zip code-level credit data over the period of 2004 to 2012. We used ordinary least squares, fixed effects, and 2-stage least squares instrumental variables regression strategies to examine the relationship between influenza-related Google searches and 30-, 60-, and 90-day credit card and mortgage delinquency rates. We found that a proxy for influenza outbreaks is associated with a small but statistically significant increase in credit card and mortgage default rates, net of other factors. These effects are largest for 90-day defaults, suggesting that influenza outbreaks have a disproportionate impact on vulnerable borrowers who are already behind on their payments. Overall, it appears there is a relationship between exogenous health shocks (such as influenza) and credit default. The results suggest that consumer finances could benefit from policies that aim to reduce the financial shocks of illness, particularly for vulnerable borrowers.

  20. "Procurement Cards" Help Colleges Reduce Paperwork and Delays in Purchasing.

    ERIC Educational Resources Information Center

    Mercer, Joye

    1995-01-01

    Increasingly, colleges and universities are using procurement cards, which are credit cards with limited usage, for institutional faculty and staff to make small purchases without going through costly and inefficient purchasing channels. Some concerns include distribution of cards, increased liability, and monitoring of expenditures. (MSE)

  1. 48 CFR 2413.301 - Governmentwide commercial purchase card.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... Commercial Credit Card Program. [60 FR 46155, Sept. 5, 1995. Redesignated at 64 FR 46095, Aug. 23, 1999] ... purchase card. 2413.301 Section 2413.301 Federal Acquisition Regulations System DEPARTMENT OF HOUSING AND... Acquisition Methods 2413.301 Governmentwide commercial purchase card. (c) HUD's procedures concerning the use...

  2. 48 CFR 13.301 - Governmentwide commercial purchase card.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... the current GSA credit card contract. Agency procedures should not limit the use of the Governmentwide... purchase card. 13.301 Section 13.301 Federal Acquisition Regulations System FEDERAL ACQUISITION REGULATION... Governmentwide commercial purchase card. (a) Except as provided in 32.1108(b)(2), the Governmentwide commercial...

  3. 48 CFR 2413.301 - Governmentwide commercial purchase card.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... Commercial Credit Card Program. [60 FR 46155, Sept. 5, 1995. Redesignated at 64 FR 46095, Aug. 23, 1999] ... purchase card. 2413.301 Section 2413.301 Federal Acquisition Regulations System DEPARTMENT OF HOUSING AND... Acquisition Methods 2413.301 Governmentwide commercial purchase card. (c) HUD's procedures concerning the use...

  4. 48 CFR 2413.301 - Governmentwide commercial purchase card.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... Commercial Credit Card Program. [60 FR 46155, Sept. 5, 1995. Redesignated at 64 FR 46095, Aug. 23, 1999] ... purchase card. 2413.301 Section 2413.301 Federal Acquisition Regulations System DEPARTMENT OF HOUSING AND... Acquisition Methods 2413.301 Governmentwide commercial purchase card. (c) HUD's procedures concerning the use...

  5. 48 CFR 2413.301 - Governmentwide commercial purchase card.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... Commercial Credit Card Program. [60 FR 46155, Sept. 5, 1995. Redesignated at 64 FR 46095, Aug. 23, 1999] ... purchase card. 2413.301 Section 2413.301 Federal Acquisition Regulations System DEPARTMENT OF HOUSING AND... Acquisition Methods 2413.301 Governmentwide commercial purchase card. (c) HUD's procedures concerning the use...

  6. 48 CFR 2413.301 - Governmentwide commercial purchase card.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... Commercial Credit Card Program. [60 FR 46155, Sept. 5, 1995. Redesignated at 64 FR 46095, Aug. 23, 1999] ... purchase card. 2413.301 Section 2413.301 Federal Acquisition Regulations System DEPARTMENT OF HOUSING AND... Acquisition Methods 2413.301 Governmentwide commercial purchase card. (c) HUD's procedures concerning the use...

  7. 12 CFR 561.12 - Consumer credit.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ...; loans in the nature of overdraft protection; and credit extended in connection with credit cards. ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Consumer credit. 561.12 Section 561.12 Banks... AFFECTING ALL SAVINGS ASSOCIATIONS § 561.12 Consumer credit. The term consumer credit means credit extended...

  8. 12 CFR 567.12 - Purchased credit card relationships, servicing assets, intangible assets (other than purchased...

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Purchased credit card relationships, servicing...-enhancing interest-only strips, and deferred tax assets. 567.12 Section 567.12 Banks and Banking OFFICE OF...-taxable business combinations. A deferred tax liability that is specifically related to an intangible...

  9. 12 CFR 227.22 - Unfair acts or practices regarding time to make payment.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... THE FEDERAL RESERVE SYSTEM UNFAIR OR DECEPTIVE ACTS OR PRACTICES (REGULATION AA) Consumer Credit Card.... Except as provided in paragraph (c) of this section, a bank must not treat a payment on a consumer credit card account as late for any purpose unless the consumer has been provided a reasonable amount of time...

  10. Effective Practices of Financial Education for College Students: Students' Perceptions of Credit Card Use and Financial Responsibility

    ERIC Educational Resources Information Center

    Anderson, Carla; Card, Karen

    2015-01-01

    The purpose of this quasi-experimental nonequivalent control group study was to determine the influence that a financial education intervention administered in First Year Experience courses had on students' perceptions of their financial behavior such as compulsive spending and credit card use. This study utilized the five-point Likert-type…

  11. Making Our Students Smart about Money

    ERIC Educational Resources Information Center

    Godfrey, Neale S.

    2006-01-01

    According to Senator Daniel Akaka, sponsor of the 2004 Credit Card Minimum Payment Warning Act, 45% of college students are in credit card debt, with an average debt of US$ 3,000. Moreover, 150,000 young adults between the ages of 18-24 declared bankruptcy last year. In this article, the author describes how financial literacy can educate young…

  12. Panel: RFID Security and Privacy

    NASA Astrophysics Data System (ADS)

    Fu, Kevin

    The panel on RFID security and privacy included Ross Anderson, Jon Callas, Yvo Desmedt, and Kevin Fu. Topics for discussion included the "chip and PIN" EMV payment systems, e-Passports, "mafia" attacks, and RFID-enabled credit cards. Position papers by the panelists appear in the following pages, and the RFID-enabled credit card work appears separately in these proceedings.

  13. Effect of Personal Financial Knowledge on College Students' Credit Card Behavior

    ERIC Educational Resources Information Center

    Robb, Cliff A.; Sharpe, Deanna L.

    2009-01-01

    Analysis of survey data collected from 6,520 students at a large Midwestern University affirmed that financial knowledge is a significant factor in the credit card decisions of college students but not entirely in expected ways. Results of a double hurdle analysis indicated that students with relatively higher levels of financial knowledge were…

  14. 78 FR 19483 - Telemarketing Sales Rule Information Collection Activities; Proposed Collection; Comment Request

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-04-01

    ... telemarketers, data last appearing in the DMA 2009 Statistical Fact Book (February 2009), p. 18, shows that 17... available direct sales data for telephone marketing to consumers. See DMA Statistical Fact Book (2001), p... consumers with one or more credit cards (113,611,032) by the delinquency rate for credit cards (2.73...

  15. Do You Take Credit Cards? Security and Compliance for the Credit Card Payment Industry

    ERIC Educational Resources Information Center

    Willey, Lorrie; White, Barbara Jo

    2013-01-01

    Security is a significant concern in business and in information systems (IS) education from both a technological and a strategic standpoint. Students can benefit from the study of information systems security when security concepts are introduced in the context of real-world industry standards. The development of a data security standard for…

  16. 48 CFR 32.1102 - Definitions.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... specified EFT mechanisms. Governmentwide commercial purchase card means a card that is similar in nature to a commercial credit card that is used to make financing and delivery payments for supplies and services. The purchase card is an EFT method and it may be used as a means to meet the requirement to pay...

  17. 7 CFR 1980.452 - FmHA or its successor agency under Public Law 103-354 evaluation of application.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... National Officer that the Statements of Personal History(s) have been processed and cleared. FmHA or its... borrower, individual customer credit file, installment Loan Ledger Card or Computer printouts and other...

  18. 12 CFR Appendix D to Part 225 - Capital Adequacy Guidelines for Bank Holding Companies: Tier 1 Leverage Measure

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... CONTROL (REGULATION Y) Pt. 225, App. D Appendix D to Part 225—Capital Adequacy Guidelines for Bank Holding..., nonmortgage servicing assets, and purchased credit card relationships that, in the aggregate, are in excess of 100 percent of Tier 1 capital; amounts of nonmortgage servicing assets and purchased credit card...

  19. 12 CFR Appendix B to Part 208 - Capital Adequacy Guidelines for State Member Banks: Tier 1 Leverage Measure

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... RESERVE SYSTEM (REGULATION H) Pt. 208, App. B Appendix B to Part 208—Capital Adequacy Guidelines for State..., and purchased credit card relationships that, in the aggregate, are in excess of 100 percent of Tier 1 capital; amounts of nonmortgage servicing assets and purchased credit card relationships that, in the...

  20. Credit Cards on Campus: Academic Inquiry, Objective Empiricism, or Advocacy Research? A Response

    ERIC Educational Resources Information Center

    Staten, Michael E.; Barron, John M.

    2005-01-01

    According to the authors, the comments offered by Robert Manning and Ray Kirshak in this issue of the "Journal of Student Financial Aid" (pp. 39-48) are designed to leave the reader with the impression that their paper "Usage of Credit Cards Received through College Student-Marketing Programs" ("Journal of Student Financial Aid," 2004) was nothing…

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