Reform of Credit Card Schemes in Australia: II Commissioned Report August 2001

The Reserve Bank's Reform of Credit Card Schemes in Australia – II Commissioned Report issued on 14 December 2001, contains the following chapters:

• Introduction
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• Industry Overview
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• Consumer and Merchant Benefits of Cardholding and Use
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• The Possibility of Externalities
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• Equilibrium with Frictionless Merchant Surcharging
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• Equilibrium in the Presence of No-surcharge Rules
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• Welfare Analysis of No-surcharge Rules
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• Conclusion
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• Technical Appendix
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• Appendix on Relevant Markets and Consumption Distortions
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