There is enough publicly available data in Bitcoin transactions to enable law authorities to obtain subpoenas and to identify who is paying money to whom....
U.S. credit card charge-offs fell to 3.44% in 2013 Q3; the 60-day delinquency rate dropped to 1.30%; the monthly payment rate (MPR) spiked to 26.27%....
The CARD Act has reduced the fees we pay for debt suspension, balance transfers, cash advances, returned payments and other transactions by $3.5 billion a year....
The total cost of credit cards has declined by almost 2% between 2008, the last full year before the CARD Act's gradual implementation began, and 2012....