Mr. Greg Flemming

Senior Vice President, LIGHTSPEED ONLINE RESEARCH, INC.

Member of the Financial Services Council

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Council Member Biography

Greg Flemming is Founder of Lightspeed Online Research, Inc.’s innovative tracking panel. Mr. Flemming currently serves as Senior Vice President of the Financial Services Group, which provides a range of strategic insights and competitive analytics to the nation's largest banks and card issuers. His current work focuses on the US payments industry, including consumer use of credit and debit cards, revolving debt, and the dynamics of bank response to the CARD Act, Regulation E, and other regulatory changes. Mr. Flemming has extensive experience with all types of consumer research, including online, telephone, and mail surveys, and the analysis of non-survey behavioral data. His research incorporates a range of statistical and segmentation techniques. Before joining Lightspeed, Mr. Flemming was Vice President of Forrester Data at Forrester Research and was previously Survey Director at Princeton Survey Research Associates in Washington, DC. (This is me - Update Profile)

Employment History

2006 - Unspecified: Senior Vice President, LIGHTSPEED ONLINE RESEARCH, INC.

GLG News^SM Analyses by Greg Flemming

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Capital One Takes Unique Path in Response to CARD Act

June 12, 2009

Analysis of:Capital One Looks to Adapt to Credit Card Laws | www.washingtonpost.com

Capital One's reaction to pending legislative changes reflects a long-term strategy that diverges from the approach taken by most competitors. Like nearly all top card issuers, Capital One has notified cardholders of APR and fee changes in anticipation of regulatory changes, but Capital One's unique approach is tailored to appease consumers' price-sensitivity in the current economic climate by imposing deferred pricing increases -- a form of "price protection" -- in their notifications to customers. In the current economy, price-sensitive consumers are bound to look especially closely at what they are paying in finance charges and notifications of an increase in their APR may impact card usage.

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