The demand for consumer credit is an area of economics that is of great interest to those in the lending community. While much research has been performed on this topic in the financial industry, the findings have been very closely guarded for competitive reasons. In this study, reduced form equations were derived to form the basis of a 2SLS regression model. This model was used to estimate the demand for consumer credit in the United States over the period 1973 � 2002. Six independent variables were included in the analysis: monetary base, unemployment rate, consumer confidence index, disposable personal income, federal funds interest rate and the price/barrel of oil.

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