Background: Tom Dailey was the executive in charge of the largest U.S. proprietary payment network (Discover Card) with more than 4 million merchant customers, and he was one of its founding employees. Dailey currently works with major clients on consumer credit, credit card and transaction processing projects. He is also affiliated with the Board of Directors of three corporations involved in the consumer lending or payment processing. Dailey's expertise includes such areas as general commentary, regulatory issues, competitive issues, consumer spending habits, collections, deliquencies/bankruptcies, Mastercard/Visa/Discover/American Express, debit networks, and Paypal. He has been quoted by: Forbes Magazine, Wall Street Journal, Smart Money, Creditcards.com, Transaction World, American Banker, Associated Press, ABC National Network Television, Card Management magazine, Bank Technology News, The Green Sheet, Nilson Report, Progress Magazine, Voice America radio, San Bernadino Sun, numerous local and trade publications. Dailey is available for short-notice interviews and is available for interviews via Skype. For more information, visit: http://www.tomdaileyconsulting.com Suggested Interview Questions: What do consumer credit card spending patterns look like? What is happening with credit card delinquencies and bankruptcies? What is the impact of federal regulations on consumers and credit card companies? How much do merchants pay to process credit card transactions? Are new competitors such as Paypal, Bill me Later, etc., a threat to Mastercard or Visa? How much do banks make on credit cards? If I file for bankruptcy, what will the impact be on my future ability to borrow? How can I improve my credit score? What does a consumer need to think about when considering a home mortgage? Is a debt consolidation loan a good idea? Contact Telephone: 312-214-3333 or 847-648-8277 Email Address: tom@tomdailey.com Guest Location: Illinois Guest Time Zone: Central