The Journal of Consumer Affairs

Scholarly research journal publishes articles in the consumer field, including the impact of individual, business and/or government decisions on consumers.

Articles from Vol. 41, No. 1, Summer

Consumer Experiences with Predatory Lending Practices
This investigation examines how consumers perceive and experience predatory lenders. Findings reveal that industry practices are carried out to the detriment of persons typically defined as "vulnerable," such as elderly, impoverished, and African American...
Household Savings Motives
This study proposed a hierarchy of savings motives and identified factors that influence the movement to higher levels of the hierarchy. Continuation ratio analysis utilizing data from the 2001 Survey of Consumer Finances shows the likelihood of advancing...
Mistaking Precision for Reality
Noting that dozens of organizations conducted numerous opinion surveys prior to the elections last November, The Wall Street Journal's November 21 online edition posted tabulations and graphs comparing the past two months of polls and outcomes in various...
Promoting I-Safety: Effects of Privacy Warnings and Privacy Seals on Risk Assessment and Online Privacy Behavior
Using social cognitive theory, this study experimentally examines the effects of explicit privacy warnings, a clear, conspicuous, and concise presentation of the benefits and risks associated with database information practices stated in a Web site's...
The Death Care Industry: A Review of Regulatory and Consumer Issues
Although virtually every person in the United States will purchase or consume a funeral-related product or service, relatively little is understood about the processes a consumer undertakes in making these expensive decisions in stressful circumstances....
The Impact of Credit Counseling on Subsequent Borrower Behavior
The study examined the impact of individualized credit counseling delivered to nearly 8,000 consumer clients during 1997. Credit bureau data provided objective measures of credit performance at a variety of margins between 1997 and 2000 for counseled...
The Impact of Warnings, Disclaimers, and Product Experience on Consumers' Perceptions of Dietary Supplements
Two experiments explored the impact of disclosures (warning and disclaimer) and product experience (heavy, light, and nonusers) on consumers' perceptions of dietary supplements. In general, the government-mandated disclaimer did not impact consumers'...
The Privacy Paradox: Personal Information Disclosure Intentions versus Behaviors
Impelled by the development of technologies that facilitate collection, distribution, storage, and manipulation of personal consumer information, privacy has become a "hot" topic for policy makers. Commercial interests seek to maximize and then leverage...
When Do Nutrient Content and Nutrient Content Claims Matter? Assessing Consumer Tradeoffs between Carbohydrates and Fat
Substantial concern about the wide variety of carbohydrate-related claims appearing on consumer packaged food products have been expressed by members of both the marketing and public policy communities. As a result, a number of petitions requesting...