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Survey of Consumer Finances, 1977 (ICPSR 9752)

Principal Investigator(s): University of Michigan. Survey Research Center. Economic Behavior Program


This study concentrates on family finances and has four principal lines of inquiry. The first section of the survey updates the Surveys of Consumer Finances conducted from 1946 through 1971. Questions in this section investigate credit usage by consumers, trends in consumer finance, and debt burden. A second group of questions examines consumers' awareness, attitudes, and comprehension of the federal consumer credit protection laws passed during the decade preceding the study. Among the laws investigated are the Truth-in-Lending Act, the Equal-Credit-Opportunity Act, the Fair-Credit-Billing Act and the Federal- Trade-Commission-Improvement Act. Third, the survey offers general information about credit, credit procedures, and attitudes towards credit and creditors. Among the concerns are the degree of satisfaction and dissatisfaction with the credit process, awareness of different aspects of credit and the credit process, and perceptions of differences among types of credit and creditors. The last section focuses on demographic information and includes data on family composition, life cycle stage, occupation, income, assets, age, race, marital status and residential stability.

Series: Survey of Consumer Finances Series

Access Notes

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DS1:  Survey of Consumer Finances, 1977 - Download All Files (24.991 MB)
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Study Description


University of Michigan. Survey Research Center. Economic Behavior Program. Survey of Consumer Finances, 1977. ICPSR09752-v1. Ann Arbor, MI: Inter-university Consortium for Political and Social Research [distributor], 1992-10-31.

Persistent URL:

Export Citation:

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  • EndNote XML (EndNote X4.0.1 or higher)


This study was funded by:

  • Board of Governors of the Federal Reserve System
  • United States Department of the Treasury. Office of the Comptroller of the Currency
  • Federal Deposit Insurance Corporation

Scope of Study

Subject Terms:    consumer attitudes, consumer protection, credit, debt, personal finances

Geographic Coverage:    United States

Time Period:   

  • 1977

Date of Collection:   

  • 1977-08--1977-09

Universe:    Households within the 48 coterminous United States exclusive of units on military installations.

Data Type(s):    survey data

Data Collection Notes:

The codebook is provided by ICPSR as a Portable Document Format (PDF) file. The PDF file format was developed by Adobe Systems Incorporated and can be accessed using PDF reader software, such as Adobe Acrobat Reader. Information on how to obtain a copy of the Acrobat Reader is provided on the ICPSR Web site.


Sample:    The national probability sample representing the universe consists of 2,563 households.

Data Source:

personal interviews


Original ICPSR Release:   1992-10-31

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