References and Resources


Amromin, G., & Chakravorti, S. (2007). Debit card and cash usage: A cross-country analysis. Federal Reserve Bank of Chicago (WP 2007-04). Retrieved July 30, 2009 from

Center for Responsible Lending. (2007). Springing the debt trap: Rate caps are only proven payday lending reform. Retrieved December 8, 2010 from

Consumer. (2008). In M. Agnes (Ed.), Websterís New World College Dictionary (p. 200, 4th ed.). Cleveland, OH: Wiley Publishing, Inc.

Federal Trade Commission. (2007, November). 2006 Identity Theft Survey Report. Retrieved December 16, 2010

Federal Trade Commission. (2008, February). Phishing. Retrieved December 15, 2010 from

Federal Trade Commission. (2010). FREE annual credit reports. Retrieved September 13, 2010 from

Glickman, L. B. (1999). Consumer society in American history: A reader. New York: Cornell University Press.

Goodman, P. (2008, October 31). Economy shrinks with consumers leading the way. The New York Times, p. A1.

Holt, L., & MacManus, S. A. (2008). Consumer protection in the digital age. Florida Focus, 4(2), 1-18. Retrieved July 25, 2009 from

Javelin Strategy and Research. (2007, February). 2007 Identity fraud survey report: Identity fraud is dropping, continued vigilance necessary. Retrieved December 10, 2010 from

McCaulley, G. (2010). Payday Lending in Missouri (Research Brief). Columbia: University of Missouri, Center for Family Policy & Research. Retrieved December 13, 2010 from

Missouri Division of Finance. (2009). Report to General Assembly pursuant to section 408.506 RSMo. Retrieved December 6, 2010 from Documents/2009PaydayLendersSurvey.pdf.

n.a. (2007). Our rising ad dosage: Itís not as oppressive as some think. Media Matters, 21(3). Retrieved July 25, 2009 from

Procter, B., McGarvey, S., Acree, R., & McCaulley, G. (2009). When creditors are predators: A workshop for community educators (Curriculum). Columbia: University of Missouri, Human Environmental Sciences Extension.

Sidel, R. (2009, May 1). Debit-card use overtakes credit. The Wall Street Journal (New York), p. M11.

U.S. Department of Labor - Bureau of Labor Statistics. (2009). Consumer expenditures in 2007 (Report 1016). Retrieved July 23, 2009, from

Search online or check local listings for contact information for the resources listed below.

  • County Extension Office
  • Better Business Bureau (BBB)
  • Missouri Attorney Generalís Consumer Protection Hotline (1-800-392-8222)
  • Postal Inspectors
  • National Fraud Information Center (1-800-876-7060)
  • The Federal Trade Commission (FTC) (202-326-3650)
  • Public Library

If you have any questions or need information contact:

Lucy Schrader
Building Strong Families Program Coordinator
University of Missouri Extension
162 Stanley Hall
Columbia, MO  65211

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Last updated:05/15/2015
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