By Harry Terris

FEB 3, 2010 11:20am ET

Epic Crisis, Middling Contraction in Consumer Credit

So far, the recent contraction in consumer credit has been roughly in line with the aftermath of the relatively mild 1990-1991 recession.

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Facebook's securities filings show its Facebook Credits digital currency business is exploding. Does it pose a serious threat to banks?

Yes. Facebook Credits threatens to cut off banks from transactions and customer data.

12%

No. A system the enables users to pay for online games and page upgrades is a harmless niche.

32%

Maybe. It depends on whether Facebook makes an aggressive move into ecommerce.

56%

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