Bankruptcy Reform With the bankruptcy reform legislation soon to become law, do you expect to see a spike in personal bankruptcy filings over the next few months? Total Votes: 8
Yes
7		88%
No
1		13%
CONSUMER FINANCIAL SERVICES INDUSTRY ISSUES IN 2006 What do you think will be the consumer financial services industry's most significant legislative or regulatory issue in 2006? Total Votes: 12
Vehicle financing
5		42%
Data security
3		25%
Abusive mortgage lending
2		17%
Implementation of the new bankruptcy law
1		8%
None of the above
1		8%
Credit Online Do you think today's financial services customer is comfortable applying for credit online? Total Votes: 12
Yes
10		83%
No
2		17%
Credit Online With the bankruptcy reform legislation soon to become law, do you expect to see a spike in personal bankruptcy filings over the next few months? Total Votes: 1
Yes
1		100%
CREDIT REPORTS When was the last time you checked your credit report? Total Votes: 40
I've never checked my credit report
12		30%
Within the last year
11		28%
Within the last six months
9		23%
Within the last five years
8		20%
Dealership Financing 1) Have you ever bought a new or used vehicle with dealership financing? Total Votes: 19
Yes
13		68%
No
6		32%
Dealership Financing, part 2 2. If yes, how would you rate your dealership financing experience? Total Votes: 15
Fair
5		33%
Good
4		27%
Excellent
3		20%
Poor
3		20%
Dealership Financing, part 2 2. If yes, what actions did you take to address the problem? Total Votes: 1
Asked for a fraud alert to be placed on my credit file
1		100%
Do-Not-Call List 1) Have you registered your telephone number with the Federal Trade Commission's Do-Not-Call list? Total Votes: 7
Yes
5		71%
No
2		29%
FCRA Provisions Do you think the Fair Credit Reporting Act's provisions pre-empting state law will be given permanent status by the end of the year? Total Votes: 13
Yes
11		85%
No
2		15%
FREE CREDIT REPORTS Consumers may now receive one free credit report annually. How would you rate the public's awareness level of this fact? Total Votes: 10
Very High
5		50%
Fairly low
2		20%
Fairly high
1		10%
In the middle
1		10%
Very Low
1		10%
FREE CREDIT REPORTS Now that consumers in all parts of the country may obtain one free copy of their credit report annually, is it more likly that you'll get a copy of your credit report in 2006? Total Votes: 10
Yes
8		80%
No
2		20%
Holiday Credit 1) Are you using credit cards to pay for holiday purchases this year? Total Votes: 14
Yes
11		79%
No
3		21%
Holiday Credit part 2 2. If yes, do you think it's reduced the number of calls you've received from telemarketers? Total Votes: 6
Yes
5		83%
No
1		17%
Holiday Credit part 2 2. If yes, how much do you expect to charge on your credit card(s) during the '03 holiday season? Total Votes: 12
More than $300
8		67%
$200-$300
2		17%
$100-$200
1		8%
$51-$100
1		8%
How would you rate: 1) The mainstream media's coverage of the consumer finance industry? Total Votes: 18
Excellent
18		100%
How would you rate: 1. The mainstream media's coverage of the consumer finance industry? Total Votes: 5
Excellent
2		40%
Fair
1		20%
Good
1		20%
Poor
1		20%
How would you rate: 2. Trade publications' coverage of the consumer finance industry? Total Votes: 25
Excellent
21		84%
Fair
2		8%
Poor
2		8%
IDENTITY THEFT 1) Have you ever been a victim of identity theft? Total Votes: 9
No
7		78%
Yes
2		22%
INDUSTRIAL BANKS Should Wal-Mart's application for an Industrial Bank charter be approved? Total Votes: 26
No
13		50%
Yes
9		35%
Don't Know
4		15%
Mortgage Responsibility If someone is in the market for a mortgage, should the lender be responsible for determining whether or not a mortgage product is right for the borrower or should the borrower make this decision? Total Votes: 28
The borrower
19		68%
The lender
9		32%
Negotiating APR Do you think most consumers know they can negotiate their Annual Percentage Rate (APR) when they buy a car or light truck from a dealership? Total Votes: 26
No
22		85%
Yes
4		15%
NEGOTIATING APR Do you think most consumers who shop for a new or used vehicle realize they can negotiate the Annual Percentage Rate (APR) with the dealership? Total Votes: 30
No
14		47%
Yes
13		43%
Yes,No
3		10%
Nontraditional Mortgages Do you think the availability of nontraditional mortgages (i.e., interest only loans, ARMS, etc.) has helped homeownership in the U.S.? Total Votes: 39
Yes
23		59%
No
13		33%
Don't Know
3		8%
OPINION: Do you think a bankruptcy reform law will be enacted in 2003? Total Votes: 22
Yes
13		59%
No
9		41%
Personal Finance What was the primary way you learned about personal finance? Total Votes: 13
The
8		62%
At home through parents or other relatives
5		38%
Presidential Election What do you think will be the consumer financial services industry's most significant legislative or regulatory issue in 2005? Total Votes: 30
Bankruptcy reform
22		73%
Abusive mortgage lending
5		17%
Vehicle financing
2		7%
HMDA's new reporting requirements
1		3%
Presidential Election Who do you think will win this year's presidential election? Total Votes: 35
John Kerry
20		57%
George Bush
15		43%
Quick Poll Should firms restrict condensed work week options to proven high performers? Total Votes: 12
No
6		50%
Yes
6		50%
SECURITY BREACHES What is the best way to reduce data security breaches? Total Votes: 14
All of the above
11		79%
Change internal procedures used by companies
2		14%
Educate consumers on ways they can reduce exposure of sensitive personal data
1		7%
VEHICLE FINANCING How did you finance your most recently purchased vehicle? Did you... Total Votes: 16
Pay cash rather than use financing?
6		38%
Finance it at a dealership?
3		19%
Obtain financing directly from a finance company, bank or credit union?
3		19%
Lease your vehicle rather than buy it?
2		13%
Other
2		13%

FCRA Provisions

Total Votes: 25

	No	6		24%
	Not sure	10		40%
	Yes	9		36%

Financial Services in 2002

Total Votes: 6

	All of the above	1		17%
	Corporate disclosure/consumer confidence in corporations	2		33%
	Rising consumer bankruptcies	2		33%
	The current economy/consumer concerns about unemployment	1		17%

Trade Association Benefits

Total Votes: 6

	Networking with peers from other companies	3		50%
	Professional development opportunities	1		17%
	Representation on government affairs, regulatory and legal issues	2		33%

Rise in Personal Bankruptcies

Total Votes: 6

	Anticipation of changes to federal bankruptcy laws	1		17%
	Job losses/ economic prob- lems	5		83%

Financial Services Online

Total Votes: 10

More

10

100%

Industry Challenges

Total Votes: 10

	Keeping pace with advancements in technology	1		10%
	Legislative/ regulatory issues	9		90%

Bankruptcy Reform

Total Votes: 13

	All of the above	4		31%
	None of the above	6		46%
	People who truly need bankruptcy relief will still be able to get it.	3		23%

Supporting Recovery Efforts

Total Votes: 12

	All of the above	5		42%
	Encourage employee volunteerism	1		8%
	Relax payment schedules and waive late fees for directly impacted customers	6		50%

Tell Us What You Think About...
CREDIT EDUCATION

Total Votes: 12

Start the process early by offering personal finance education in the nation's schools

12

100%

Privacy Notices

Total Votes: 39

	No	36		92%
	Yes	3		8%

Revolutionary Financing Product

Total Votes: 21

	Credit cards	18		86%
	Home equity loans	2		10%
	Other	1		5%

Part 2

Total Votes: 9

	Average	2		22%
	Better than average	4		44%
	Worse than average	3		33%

Consumer Finance Industry

Total Votes: 19

	Average	1		5%
	Better than average	6		32%
	Outstanding	6		32%
	Worse than average	6		32%

Part 2

Total Votes: 20

	No	5		25%
	Yes	15		75%

Financial Services Firms in 2001

Total Votes: 32

	Easing of interest rates	24		75%
	Full tax cut	8		25%

The Upcoming Election

Total Votes: 291

	Bush	134		46%
	Gore	136		47%
	No	6		2%
	Undecided	9		3%
	Yes	6		2%