The upcoming Credit CARD Act presents issuers with not only an immense and expensive compliance challenge, but also a serious threat to profitability. FICO research has estimated that, on average, mere compliance with the Act could reduce an organization’s revenue by as much as 50%. As issuers identify and modify operational areas that are currently non-compliant with the new law, they should also examine where and how much the Act will impact revenue, and how they can reengineer practices to drive new profit streams and business growth.
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