Campus Credit Card Trap Document Resources

Documents relating to relationships between University of Iowa and Iowa State University and their alumni associations for exclusive on-campus marketing arrangements with Bank of America.

(first obtained through public records request by Des Moines Register - See U of I, Iowa State use student data to sell credit cards, by Clark Kauffman, Des Moines Register, September 23, 2007. Scroll down right side for “related stories” in the series.)

Note that MBNA is referenced in many documents. MBNA is a predecessor credit card company that is now a division of Bank of America known as FIA Card Services.

University of Iowa (UI) Documents

  • May 2007 Student Direct Mail letter from Alumni Association offering UI branded Bank of America credit card - Download Document
  • Memorandum of Understanding between the State University of Iowa, hereafter referred to as the “University”, and the State University of Iowa Alumni Association, this document includes details on sharing of student information files for marketing - Download Document
  • EXHIBIT A (August 2006) Commitment of the University’s services and information to the (Alumni) Association (amending Exhibit A in the above MoU) - Download Document
  • 2006 Memorandum of Understanding between University of Iowa and University of Iowa Alumni Association concerning licensing - Download Document

Iowa State University (ISU) Documents

  • Fourth Amendment (2005) to the ISU Alumni Association and ISU Department of Athletics Affinity Agreement With MBNA (now BofA) - Download Document
  • 2004 Memo from Alumni Association describing MBNA affinity card and royalty agreement with ISU Athletic Department - Download Document
  • Plus Rewards Addendum (2002) to Agreement between ISU Alumni Association and MBNA - Download Document
  • Attachment 3: Iowa State University Trademark and Licensing Agreement - Download Document
  • Second amendment (1999) to ISU Alumni Association and ISU Department of Athletics Affinity Agreement With MBNA (now BofA) - Download Document
  • 1995 List Agreement between ISU Alumni Association and MBNA - Note that this document refers to providing lists of “constituents,” which are defined in the next document (1995) to include undergraduate “student customers.”  -  Download Document
  • 1995 Affinity Agreement between ISU Alumni Association and MBNA - Download Document
Documents relating to Ohio Attorney General Investigation of credit card marketing by Citibank and Potbelly Sandwich Works

Complaint in the Common Pleas Court of Franklin County, Ohio: 

  • State of Ohio and Marc Dann, Attorney General vs. Citibank, Potbelly Sandwich Works and Scott Simmons, filed September 19, 2007 - Download Document (Complaint for unfair and deceptive practices in violation of the Ohio Consumer Sales Practices Act. Defendants “deceptively offered “free” food and beverages to college students.”)
  • Also see one page Potbelly advertisement  extracted from complaint - Download Document
  • News release: Attorney General announces agreement with Potbelly, March 10, 2008  - Download News Release (Innovative Deal Gives Students a Night at the Movies, Citibank remains defendant.)
  • State of Ohio and Marc Dann, Attorney General vs. Campus Dimensions and OSU La Bamba filed September 19, 2007 - Download Document (Campus Dimensions is a marketing firm; La Bamba is a restaurant. A flyer is included in the document.)
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