Research Reports 2015 A FAILING GRADE FOR the POST-BAPCPA CREDIT COUNSELING AND BANKRUPTCY EDUCATION INDUSTRY? Persistent Conflicts of Interest, Rise of Outsourced Filipino Credit Counselors, and Questionable NonProfit Service Providers, with Anita C. Butera, Institute for Higher Education Law and Governance (IHELG), IHELG Monograph Series, University of Houston Law School, Houston, Texas. 2009 Using Shared-Equity Agreements to Reduce Foreclosures: Policy and Analysis 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 New 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 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 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". Read Dr. Manning's prepared statement [pdf] View the testimony online [rm] 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 "Credit Card Wars: A Penalty for Thrift?", The New York Times, May 18, 2009 "Save public from drowning in red ink", Democrat and Chronicle, April 11, 2007 "The Power of Plastic", Navigating Your Financial Future, April 5, 2006 "Whither the Life-Cycle? Middle-Class Families Struggling With Financial Distress", Boston Review, September/October 2005: 17-18 Copyright Newtonian Finances Ltd. © 2000-2024 (disclaimer)