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- W2068372178 abstract "Purpose – In the USA, the Federal Reserve Board (FRB) has adopted a final rule amending the Truth in Lending Act's Regulation Z, effective October 1, 2001. The present study aims to use the elaboration likelihood model to explore how consumers might respond to the revised credit card disclosure requirements, focusing specifically on college students.Design/methodology/approach – Each subject was randomly assigned to one of two financial scenarios and asked to choose, among competing offers, the credit card that presented the “best” match to the scenario. Subsequently, all subjects completed measures designed to test hypothesized relationships within the framework of the elaboration likelihood model.Findings – College students possess a fairly low level of knowledge of credit cards and thus are not very well equipped to make educated choices concerning such cards.Research limitations/implications – The use of a rural student sample is a limitation and future research should investigate different population..." @default.
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- W2068372178 date "2005-05-01" @default.
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- W2068372178 title "Evaluating the efficacy of credit card regulation" @default.
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