Shopping Cart Credit Card Nation
New Link to MyMoneyEd
New Link to MyMoneyEd
Membership Info
Financial Education
Assessment Quiz
Credit Card Education
Financial Modules
Educational Programs
Calculator
Budget Estimator
Information / Research
Entertainment
Books
Research Reports
Legislation
Credit Debt Trends
Dr. Robert D. Manning
Activities
Media / Press
Media / Press
Feedback

Dr. Robert Manning

Research Reports

2009

The Evolution of Credit Cards -- Credit Union Magazine

Using Shared-Equity 
Agreements to Reduce Foreclosures: Policy and Analysis
Using Shared-Equity Agreements to Reduce Foreclosures: Policy and Analysis

Michigan Filene Report
supported by the Michigan State Credit Union League

2008

Responsible Debt Relief: An Algorithmic Assessment of Household Debt Capacity and Repayment Capability

Trends and Future Directions in Consumer Financial Services: A Colloquium at Rochester Institute of Technology -- RIT on TV News: Credit Crisis Analysis

2007

Rising Financial Anxiety and U.S. Consumer Sentiment: Determinants of the First Phase of the Consumer-Led Recession

2005

Journal of Student Financial AidNew article by Dr. Manning critiques industry financed study of college student credit card debt co-authored by Dr. Michael Staten and John Barron of the Credit Research Center, Washington, D.C.

1999

CREDIT CARDS ON CAMPUS:
Current Trends and Informational Deficiencies (31 pp.)

CREDIT CARDS ON CAMPUS:
Social Costs and Consequences of Student Debt (55 pp.)

CREDIT CARDS ON CAMPUS:
"Who Benefits From Soaring College Debt and What Are
the Future Consequences to Higher Education"
(Forthcoming)

Recent Articles

CREDIT CARDS ON CAMPUS: Academic Inquiry, Objective Empiricism, or Advocacy Research? Journal of Student Financial Aid, Volume 35, No. 3, (Spring 2005) pp. 39-48

Testimony Before Federal Agencies

Federal Trade Commission (FTC), Public Forum on Debt Relief Amendments to the Telemarketing Sales Rule (TSR), Washington, D.C., November 4, 2009 -- Dr. Manning's Presentation

Expert Testimony, "Banking Deregulation, "Double Financial Bubble," and Growth of the Near Bankrupt: The Imperative of Consumer Debt Relief," Consumer Protection and Debt Settlement Industry, U.S. Federal Trade Commission, Washington, D.C., September 25, 2008.

U.S. Congressional Testimonies

The Foreclosure Crisis in Michigan: Negative Home Equity and the Promise of Shared Equity Appreciation (SEA) Mortgage Modifications," Michigan State Senate Banking Committee, April 28, 2009.

Michigan State Senate Banking committee: Keeping People in Their Homes: Policy Recommendations for the Foreclosure Crisis in Michigan, February 11, 2009.

April 16, 2007 -- Dr. Manning testified before the New York Senate Standing Committee on Consumer Protection in a hearing on "Practices of the Credit Card Industry". View the testimony.

January 25, 2007 -- Dr. Manning testified at the Senate Banking Committee's hearing on "Examining the Billing, Marketing, and Disclosure Practices of the Credit Card Industry, and Their Impact on Consumers".

Dr. Manning testified at the Senate Banking Committee's hearing on Credit Card Industry Trends and Policies on May 17th, 2005. Dr. Manning's testimony is available online (pdf)

"Bank Credit Cards in An Era of Financial Services De-regulation: Is FCRA Protecting Consumer Rights?," expert testimony before the U.S. House of Representatives, Committee on Financial Services, hearing on "The Role of FCRA in the Credit Granting Process," Subcommittee on Financial Institutions and Consumer Credit, Rayburn House Office Building, Washington, June 2003.

"Credit Cards on Campus: A Growing Collegiate Crisis or Benign Societal Trend?," expert testimony before the U.S. Senate Banking, Housing, and Urban Affairs Committee, hearing on "The Importance of Financial Literacy Among College Students," Dirksen Senate Office Building, Washington, D.C., September 2002.
View a Real Video Clip of the testimony.

"Consumer Credit Cards and Predatory Lending," Congressional briefing, U.S. House of Representatives, Committee on Financial Services, Rayburn House Office Building, Washington, D.C., August 2001.

"Consumer Credit in An Age of Affluence: The Impact of Financial Services
De-regulation,"
expert testimony before the U.S. House of Representatives, Committee on Financial Services, hearing on "Giving Consumers Credit: How Is The Credit Card Industry Treating Its Customers?," Subcommittee on Financial Institutions and Consumer Credit, Rayburn House Office Building, Washington, D.C., November 2001.

Dr. Manning testified before the U.S. House of Representatives, 106th Congress, Subcommittee on Financial Institutions and Consumer Credit, November 1, 2001. (Text of testimony). He spoke at a press conference with Congressman John LaFalce on the House bankruptcy bill (H.R. 333) on March 1, 2001. He presented testimony on the Bankruptcy Reform Act of 2001 (S.220) before the Senate Judiciary Committee on February 8, 2001.

"Social Causes and Consequences of Consumer Bankruptcy," expert testimony before the U.S. Senate Judiciary Committee, hearing on "Consumer Bankruptcy Reform [S.220]," Dirksen Senate Office Building, Washington, D.C., February 2001.

Articles by Robert D. Manning


Copyright Newtonian Finances Ltd. © 2000-2007 (disclaimer)