id	author	title	date	pages	extension	mime	words	sentence	flesch	summary	cache	txt
fsr-3777	Sullivan, A. Charlene; Worden, Debra Drecnik	Credit Cards and The Option to Default	1995	14	.pdf	application/pdf	6694	304	53	The Data To evaluate the relationships between regulations and cardholder behavior before and after default, complete account histories of charged-off accounts from a national portfolio of credit card accounts were needed. The Fair Credit and Charge Card Disclosure Act, effective in 1988, was designed to strengthen mandatory disclosure for credit cards, reducing consumers’ search and switching costs.	cache/fsr-3777.pdf	txt/fsr-3777.txt