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Report to Congress on College Credit Card Agreements

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Report to Congress on College Credit Card Agreements Federal Reserve Board of Governors Report to the Congress on College Credit Card Agreements July 2011 BARDOFO G OVERNORSOFTHE F EDERAL R ESERVE S YSTEM Federal Reserve Board of Governors Report to the Congress on College Credit Card Agreements July 2011 BARDOFO G OVERNORSOFTHE F EDERAL R ESERVE S YSTEM To order additional copies of this or other Federal Reserve Board publications, contact: Publications Fulfillment Mail Stop N-127 Board of Governors of the Federal Reserve System Washington, DC 20551 (ph) 202-452-3245 (fax) 202-728-5886 (e-mail) [email protected] This and other Federal Reserve Board reports are also available online at www.federalreserve.gov/boarddocs/rptcongress/default.htm. i Contents Purpose ........................................................................................................................................ 1 Introduction ............................................................................................................................... 1 Overview of College Credit Card Agreements ............................................................... 2 Credit Card Issuers ..................................................................................................................... 2 College Credit Card Agreements .................................................................................................. 3 Institutions of Higher Education, Affiliated Organizations, and Other Organizations ......................... 4 Open College Credit Card Accounts ............................................................................................ 4 Payments by Credit Card Issuers ................................................................................................. 5 New College Credit Card Accounts .............................................................................................. 7 Detailed Information about College Credit Card Agreements ................................ 8 Appendix A: College Credit Card Agreements in Effect in 2010 ........................... 10 Appendix B: College Credit Card Agreements Terminated in 2009 ..................... 36 Appendix C: Corrected Information Regarding College Credit Card Agreements in Effect in 2009 .............................................................................................. 38 1 Report on College Credit Card Agreements Purpose open at year-end (regardless of when the account was opened); (2) the amount of payments made by the issuer to the institution or organization during the The Board of Governors of the Federal Reserve 2 System (the “Board”) submits this report in accor- year; and (3) the number of new college credit card dance with Section 305(a) of the Credit Card accounts that were opened during the year. Accountability Responsibility and Disclosure Act of 2009 (the “Credit CARD Act”), Pub. L. No. 111–24, Issuers were required to make their second annual 123 Stat. 1734 (2009), Section 127(r) of the Truth in submission to the Board by March 31, 2011. This Lending Act, 15 U.S.C. § 1637(r). Section 305 of the submission comprised college credit card agreements Credit CARD Act requires the Board to submit to to which the issuer was a party during 2010 and the Congress, and to make available to the public, an information regarding payments and accounts as of 3 annual report that lists certain information submitted December 31, 2010. to the Board concerning agreements between credit card issuers and institutions of higher education This report is based on the information and agree- (“institutions”) or certain affiliated organizations, ments submitted to the Board by credit card issuers. such as alumni associations or foundations, that pro- Because some agreements address the provision of vide for the issuance of credit cards to college stu- other financial products (such as deposit accounts) as dents (“college credit card agreements” or “agree- well as credit cards, payments made by issuers under ments”). This is the second annual report by the these agreements may not relate solely to credit card Board pursuant to Section 305 of the Credit accounts. In addition, some or all of the accounts CARD Act. opened pursuant to these agreements may have been opened by individuals who are not students (such as alumni, faculty, and staff of an institution of higher Introduction education). Furthermore, card issuers’ submissions do not include information regarding credit card Section 305 of the Credit CARD Act and the accounts opened by students independent of a col- Board’s implementing regulations, 12 C.F.R. lege credit card agreement (such as when a student § 226.57(d), require credit card issuers to submit to responds to an offer made to the general public). the Board each year a copy of any college credit card agreement between the issuer and an institution of 2 All payment amounts presented in this report, including those higher education or an alumni organization or foun- in Appendixes A and C, are rounded to the nearest dollar. dation affiliated with an institution of higher educa- 3 Issuers were required to make their initial submission to the tion (an “affiliated organization”)1 that was in effect Board by February 22, 2010. That initial submission comprised at any time during the preceding calendar year. Issu- college credit card agreements to which the issuer was a party during 2009 and information regarding payments and accounts ers also are required to submit the following informa- as of December 31, 2009. The Board’s report regarding those tion with respect to each agreement: (1) the number initial submissions was released in October 2010 and is available of credit card accounts opened pursuant to the on the Board’s public website at www.federalreserve.gov/pubs/ reports_other.htm. agreement (“college credit card accounts”) that were In 2011, the Board received corrected information for 2009 from Banco Popular de Puerto Rico, Pennsylvania State Employees 1 In some cases, issuers submitted to the Board agreements with Credit Union, and PNC Bank, N.A. In addition, information other types of organizations, such as fraternities, sororities, and for 2009 regarding Purdue Federal Credit Union’s college credit professional or trade organizations, that relate to the issuance of card agreement was inadvertently omitted from the Board’s ini- credit cards to college students. Such agreements are included in tial report. Corrected information for 2009 is included in this report and categorized as agreements with “other Appendix C to this report. All comparisons to 2009 information organizations.” in this report reflect these corrections. 2 Report on College Credit Card Agreements | July 2011 The Board also notes that, because issuers were Pursuant to Title X of the Dodd-Frank Wall Street required to submit all college credit card agreements Reform and Consumer Protection Act of 2010, to which they were a party at any time during 2010, responsibility for collecting and submitting to the issuers’ submissions may include agreements that ter- Congress annual reports regarding college credit card minated in 2010 or 2011 and therefore are no longer agreements will transfer to the newly established in effect. Consumer Financial Protection Bureau on the desig- nated transfer date, July 21, 2011. Information included in this report also is available on the Board’s public website at www.federalreserve .gov/collegecreditcardagreements. In addition, under Overview of College Credit Card Section 304 of the Credit CARD Act and the Agreements Board’s implementing regulations, 12 C.F.R. § 226.57(b), the public can obtain college credit card As presented in table 1, the Board received 1,004 col- agreements between a card issuer and an institution lege credit card agreements from 21 credit card issu- of higher education directly from the institution. ers for 2010. Although the number of issuers increased from 2009 to 2010, the number of agree- ments, total number of college credit card accounts Table 1. Comparison of college credit card agreements and related information received by the Board for 2009 and 2010 open at year-end, amount of payments by issuers, and number of new college credit card accounts Percent Net change opened during the year all declined. change Item 2009 2010 from 2009 from 2009 to 2010 to 2010 Credit Card Issuers Number of issuers 18 21 3 16% Agreements in effect 1,045 1,004 -41 -4% As presented in table 2, 21 credit card issuers submit- Total open accounts as ted agreements to the Board for 2010. Four new issu- of 12/31 2,045,194 1,704,785 -340,409 -17% ers submitted agreements for 2010, and one issuer Payments by issuers $84,462,765 $73,261,906 -$11,200,859 -13% from 2009 submitted no agreements for 2010, result- New accounts opened 55,747 46,360 -9,387 -17% ing in a net increase of three issuers. Table 2. Credit card issuers with college credit card agreements in effect in 2010 Agreements in effect Total open accounts Payments by issuer New accounts Credit card issuer in 2010 as of 12/31/2010 in 2010 opened in 2010 FIA Card Services, N.A. 848 1,445,088 $55,597,362 30,193 U.S. Bank National Association ND 54 48,644 $ 1,875,992 6,990 Chase Bank USA, N.A. 28 120,295 $ 9,175,574 236 UMB Bank, N.A. 23 418 $ 14,976 186 Pennsylvania State Employees Credit Union 13 9,121 $ 405 81 Capital One, N.A. 9 44 $ 219 44 INTRUST Bank, N.A. 9 27,364 $ 1,977,581 1,027 Compass Bank 2 0 $ 0 0 First National Bank of Omaha 2 729 $ 12,433 0 GE Money Bank 2 978 $ 1,525,678 66 Michigan State University Federal
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