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K-State Libraries
Richard L. D. Morse Papers

Preface

Richard L.D. Morse was born in Grinell, Iowa, on December 27, 1916. He earned his bachelors degree from the University of Wisconsin (1938), conducted graduate studies at the University of Chicago, Iowa State and Columbia University and received a Ph.D. from Iowa State University (1942). Following a distinguished service career in the U.S. Navy during World War II, Morse held teaching positions at Iowa State (1945-47), Florida State University (1947-55), and Kansas State University (1955-87), where he served as professor and head of the Department of Family Economics.

With a background in family and home economics, Morse served as a lifelong advocate for families and consumers and became nationally and internationally known as a giant in the field of protecting consumer rights. Many of Morse's most notable accomplishments involved his tireless efforts to have legislation passed on the federal and state levels to benefit citizens in the areas of truth-in-savings and truth-in-lending, including serving as a consumer and banking counselor for the United States Congress and Presidents John Kennedy and Lyndon Johnson. A "crusader" for the consumer, Morse held numerous important positions on the local, regional, and national levels, including President of Consumer Education and Protection Association for Kansans, twenty years of service on the Board of Directors of Consumers Union, appointee to Presidents John Kennedy's and Lyndon Johnson's U.S. Consumer Advisory Council, a founding member of the Kansas Citizens Council on Aging, member of the Governor's Advisory Council on Aging, and Commissioner of the Manhattan Urban Renewal Agency. In 1987, Richard Morse donated his personal papers to the Special Collections Department of K-State's Libraries and collaborated with the staff to establish the Consumer Movement Archives as a repository for the collections of consumer leaders and organizations.

After his retirement from K-State in 1987, Morse and his wife, Marjorie, dedicated their time and energy to improving the K-State Libraries as co-chairs of the university's Essential Edge fund-raising campaign (1988-1993), leaders in the Friends of the K-State Libraries organization, and by enhancing the collections and programs of the Special Collections Department. In recognition of their financial support of Special Collections and involvement with the Consumer Movement Archives, the Richard L.D. and Marjorie J. Morse Department of Special Collections was named in their honor in 1997. During K-State's commencement activities in 2000, the College of Human Ecology bestowed its initial Public Policy Award upon Richard Morse, and a Marjorie J. and Richard L.D. Morse Family and Community Public Policy Scholarship was established jointly by the Libraries, College of Human Ecology, College of Business Administration, College of Arts and Sciences, and Leadership Studies.

Richard Morse passed away on June 3, 2000. Marjorie Morse followed a few years later, dying on March 4, 2003.

Anthony R. Crawford
University Archivist
Consumer Movement Archives
Morse Department of Special Collections

Introduction

In 1987, Richard L.D. Morse donated his papers to the Kansas State University Department of Special Collections and the Consumer Movement Archives (CMA) was established as a national repository for the papers and records of leaders, activists, and organizations in the field. Whereas the consumer movement covers more than a century of American history, the Richard L.D. Morse Papers (1916-2000) span nearly sixty years of intense activity in the state of Kansas and across the United States of America. After receiving his PhD from Iowa State University in 1942, Morse engaged in ground-breaking research into family economics, consumer sciences, family finance and aging. In 1955, he began employment as a Kansas State University Department of Family Economics professor and departmental chairman, rapidly becoming a leading twentieth century authority on consumerism. Upon retiring from Kansas State University in 1987, Richard Morse gave this collection to the university archives for retention, preservation, and study by future generations of consumers.

The arrangement of these records reflects the diversity of Morse's professional interests. They are organized in the following manner: : 1) Correspondence, 2) Kansas State University Correspondence, 3) Iowa State University Academic Records, 4) Florida State University Academic Records, 5) Kansas State University Academic Records, 6) Truth-in-Savings, 7) International Organizations, 8) National Organizations, 9) State Organizations, 10) Conferences, 11) Literary Works-Dissertations at Kansas State University, 12) Literary Works-Thesis Reports at Kansas State University, 13) General Literary Works, 14) The Federal Executive and Legislative Branch Offices, 15) State of Kansas Government Documents, 16) Richard L.D. Morse Speeches, 17) Alphabetical Speeches by Others, 18) Reports and Publications-Printed Material, 19) Studies/Research-Printed Material, 20) Homemaker/Home Health Aid Service Reports-Printed Material, 21) Newsletters/Bulletins-Printed Material, 22) Newspapers and Clippings-Printed Material, 23) Subject Files, 24) Study: Savings Advertisement Analysis, 25) Journals and Magazines.

The Richard L.D. Morse Papers provide a broad spectrum of material, which reflect the donor's academic career, topical interests, and professional avocation of consumer service. While some of the papers briefly note his tour of service with the United States Navy in the Second World War and his family life, most of the documents in this collection pertain to Morse's academic endeavors as an educator and consumer advocate. Certain sections of the collection relate to his time as a student and a young professor at Iowa State University and Florida State University, including Morse's own doctoral dissertation and academic correspondence. Other sections collect Morse's records as chair of K-State's Department of Family Economics, mentored student projects and his assistance with the university's Agricultural Experiment Station and the development of several grant projects as well as his own course syllabi, notes, and other related educational material.

Another substantial section of this collection highlights Morse's personal interests on behalf of local and statewide consumers. In places, readers will find correspondence, articles, reports, and newspaper clippings related to the protection of working class and poor Kansans from fraud, credit reporting irregularities, differing interest calculations by area banks, family fiscal planning theories, and advocacy for the aging. For example, several files relate to his work on the behalf of the Kansas Citizens Council on Aging, challenging age-discrimination and advocating for new measures to ensure the proper financing, dignity, medical care, and a level of personal utility for the regions elderly population. Other files relate to his petitioning for the implementation of long overlooked federal food programs to alleviate hunger in Kansas. Still others demonstrate his commitment to many Kansas State University Libraries' educational initiatives, including Treasurer for the Friends of K-State Libraries and co-chairmanship of the Essential Edge Fundraising campaign.

In 1997, ten years after the donation of the Richard L.D. Morse Papers, and the establishment of the Consumer Movement Archives, the department was named the Richard L. D. and Marjorie J. Morse Department of Special Collections. This designation honors the Morse's for their leadership in the Friends of the K-State Libraries organization, serving as co-chair for the Libraries Essential Edge fund raising campaign (1988-1993), establishing financial endowments for Special Collections and the Consumer Movement Archives, and assistance with acquiring collections for the CMA.

Chronology

1916         December 16, Born in Grinell, Iowa to Leighton and Daisy Morse

1935         Attended Oberlin College

1935-1937    Organizer and president of CONGO Co-operative Eating Club, Inc. Madison, WI
      
1938         Received his Bachelor of Arts degree from the Universe of Wisconsin
      
1938-1939    Graduate studies at the University of Chicago

1939-1942    Research Graduate Assistant, Dept of Economics, Iowa State University  

1940s        Graduate studies at Columbia University 

1942         Received his PhD in Consumption Economics from Iowa State University;
               Dissertation topic: Egg Grading

1942-1947    Assistant to the Director of the Iowa Agricultural Experiment Station

1942-1945    Served in World War II as a lieutenant in the United States Naval
               Reserve, participating in seven Pacific theater amphibious landings
               and receiving two commendations for commanding salvage boat
               operations during the invasion of Anguar

1943         Married Marjorie Johnson (3 daughters: Mary, Nancy, Susan)

1945-1947    Assistant Professor of Economics, Iowa State University, 

1947-1955    Professor of Family Economics, Florida State University
 
1949-1951    Treasurer of Florida Home Economics Association

1950-1955    Consumer Preference Consultant, Florida Citrus Commission

1955-1982    Professor and Chairman of the Kansas State University Dept. of Family Economics

1954         Discharged from the United States Navy Reserves

1954-1955    Organizer and President of Florida State University Credit Union 

1956-1962    Vice President of the K-State Federal Credit Union 

1960         Nov. 5; Presidential nominee John Kennedy announced his intention to appoint
               a consumer counsel in the Office of the President of the United States

1961         Founding member of Kansas Citizens Council on Aging, Inc 

1961         March 6; Morse invites President John Kennedy to send a statement via telegram
               to the annual conference of the ACCI meeting in St. Louis, being held on
               April 6-8, 1961. The conference served as a platform for an ongoing forum to
               study and discuss deceptive packaging.

1962         Consultant for AgriResearch, Inc. regarding Consumer Acceptance of Bulgur
               in Nigeria

1962         March, 15; In a message to the United States Congress, President Kennedy
               asserts the four rights of the American consumer and requests the chairman
               of the Council of Economic Advisors to create a Consumer Advisory Council.

1962-1963    Appointed to President John Kennedy's Consumer Advisory Council Chairman of 
               the Consumer Credit and Economics Welfare Committee
 
1962-1969    Served as a Faculty Advisor for the African Student Association at Kansas
               State University

1964         Appointed to President Lyndon Johnson's Committee on Consumer Interests and
               also served as a member of the Consumer Advisory Council  

1964         Consultant to Esther Peterson, Special Assistant to the President for Consumer
               Affairs during his sabbatical leave
  
1966-1968    Consultant to the Treasury Department on Truth-in-Lending
      
1966         Consultant for the Department of Defense on consumer credit, regarding the 
               deployment of DoD Directive 1344.7  

1966-1968    President of Kansas Home Economics Association

1967         Testified before the United States Congress on Truth-in-Lending

1968         The United States Congress passes the Truth-in-Lending Bill

1968-1974    Appointed by Attorney General Robert C. Londerholm as Chairman of Kansas
               Consumer Advisory Council

1968         Delegate at the International Organization on Consumer Unions

1968         Co-Chairman of the Consumer Credit Education Committee

1968         Consulted on the drafting and passage of the Buyer Protection Act for the
               State of Kansas

1968-1971    Involved in the Homemaker Service Demonstration Project at K-State funded
               by US Dept. of Labor and US Dept. of Education

1969-1973    Member of the Advisory Council on Consumer Affairs for the American
               Bankers Association

1969-1972    Board member of the Joint Council on Consumer Credit Education of Kansas

1969         Invited to attend the White House Conference on Food, Nutrition, and Health
      
1969-1972    Chairman of the Advisory Committee to the Consumer Credit Commission

1970         Recognized as a Kansan of Achievement by Stauffer Publication and awarded
               Special Recognition by the AARP-NRTA (American Association of Retired
               Persons-national Retired Teachers Association) for consumer affairs

1971-1976    Commissioner and Vice Chairman of the Manhattan Urban Renewal Agency 

1971         May 13; The Truth-in-Savings bill introduced in the United States Congress
               by Rep. Bill Roy. It was soon tabled.

1971         K-State's Co-Director of the National Housing Seminar in Helsinki, Finland
      
1971         March; Rep. Bill Roy reintroduces the Truth-in-Savings bill as the Consumer
               Savings Disclosure Act" to the United States Congress.

1972         Established the Family Economic Trust, a charitable scientific and educational
               non-profit foundation to aid educators and institutions working to resolve
               problems in the life cycle of nuclear families in relation to consumption and
               productive activities as a socio-economic unit 

1973         Testified before the United States Senate on Consumer Advocacy and Truth-in-Savings

1973-1976    Member of the Institute of Life Insurance's advisory panel on Consumer Affairs 
             
1973-1976    Member of the Probate Law Study Committee, Kansas Judicial Council in Topeka

1975 1979    Testified before the United States Senate on Truth-in-Savings

1975-1977    Director of Kansas State University Center for Aging-Education-Research-Service

1977-1987    Board of Directors member of Consumer Union of U.S.

1977         Arranged for Colston Warne to deliver eight lectures on American and international
               consumer movement at Kansas State University
      
1977         Member of Kansas Bar Association's Specialization of the Bar Committee, Topeka

1978-1982    National Council for Homemaker-Home Health Aide Service's Standards Committee
               member

1978-1981    Member of USDA Advisory Committee on Meat and Poultry Inspection in Washington D.C.

1979         Consultant for New York State Banking Department's Truth-in-Savings  

1979         Testified before the United States Senate on Truth-in-Savings

1980         Testified before the United States Senate on Usury Rates

1980         Made a Fellow of the American Council on Consumer Interests, 1980

1982         Testified before the Kansas State Legislature on Truth-in-Savings

1982         Consultant for Kansas, Inc.'s Consumer Education and Protection Association  

1983 1982    Testified before the Kansas State Legislature on the "Uniform Consumer Credit Code"

1983         Member of the Consumer Federation of America's Consumer Credit Committee

1982         Testified before the United States Congress on "Plain Language in Consumer Contracts"

1983- 2000   Member of the Kansas Probate Law Advisory Committee

1984         Co-chairman of the Kansas Coalition for Consumer Education  

1984         Testified before the United States Congress on behalf of the "Truth in Savings" Act 

1982         Testified before the Kansas State Legislature on "Consumer Savings Disclosure 
               and Verification Act"

1984         Published "Sensible Pricing of Savings under Deregulation: Before the White House
               Conference on the Consumer and the Financial Service Revolution" Dallas, Texas, 
               June 28, 1984

1984-1985    A member of Consumers Against Penalty Surcharges (CAPS) in Kansas which lobbied 
               for legislation to prohibit surcharges on credit cards 

1985         Testified before the United States Congress on behalf of HR 2380

1985-1988    Member of the Board of Directors of Consumers Union of the United States in New York

1987         Retired from Kansas State University as Professor of the Department of Human 
               Development and Family Studies

1987         Initiated with the staff of Kansas State University's Farrell Library the creation
               of Consumer Movement Archives in the Department of Special Collections and 
			   donates his papers 

1987-1990    Board member of the Kansas Home Economics Association Foundation

1988         Kansas Attorney General's Consumer Protection Advisory Council, Topeka

1988-1991    Member of the Board of Directors of Consumer's Union of United States

1988         Treasurer of the Friends of Kansas State University Libraries

1988         Member of the Consumer Federation of America's National Food Price Panel

1988-1993    Co-chairs the Kansas State University's Essential Edge fund-raising campaign
               for Kansas State University Libraries with his wife, Marjorie

1991         The United States Congress passes a version of the Truth-in-Savings Act

1992         The family Economics Trust publishes Morse's Truth in Savings: With Centsible
               Interest and Morse Rate Tables 

1993         The Consumer Movement: Lectures by Colston E. Warne (introduced and edited by
               Richard L.D. Morse) is published through the Family Economics Trust Press

1996         Marjorie Morse suffers a stroke

1996         Received the Presidents Award at the Midwest Archives Conference in Chicago, Illinois

1997         June 23; Honored as a fifty year member of the American Association of Family and
               Consumer Sciences in Washington, D.C.

1997         September 5; The Kansas State University Special Collections Department in Hale
               Library was designated as the Richard L.D. and Marjorie J. Morse Department
               of Special Collections 

1998         Presented with the Esther Peterson Consumer Service Award by the Consumer Federation
               of America in Washington, D.C.

1999         Presented with the Mentor Award by the American Council on Consumer Interests in
               Chicago, Illinois

2000         Received College of Human Ecology's Public Policy Award. A Marjorie J. and Richard
               L.D. Morse Family and Community Public Policy Scholarship was established jointly
               by the library, College of Human Ecology, College of Business Administration, the
               College of Arts and Sciences, and Leadership Studies.

2000         Friends of KSU Libraries publishes Memorable Musings from Marjorie Morse: A Sampling
               of Post-Stroke Poetic Progeny, Variously Painful, Palliative, Peppery and Piquant

2000         June 3; Richard died 

2003         March 4; Marjorie Morse died 

Scope and Content

The Richard L.D. Morse Papers (1933-1995) spans 115 linear feet (218 boxes), consisting primarily of correspondence, academic files, documents relating to advocacy groups and both state and federal legislation, published articles, printed material, newspaper clippings, speeches, and subject files. The papers have been organized into twenty-five separate series with respect to the original order of the papers. The series are: 1) Correspondence, 2) Kansas State University Correspondence, 3) Iowa State University Academic Records, 4) Florida State University Academic Records, 5) Kansas State University Academic Records, 6) Truth-in-Savings, 7) International Organizations, 8) National Organizations, 9) State Organizations, 10) Conferences, 11) Literary Works-Dissertations at Kansas State University, 12) Literary Works-Thesis Reports at Kansas State University, 13) General Literary Works, 14) The Federal Executive and Legislative Branch Office, 15) State of Kansas Government Documents, 16) Richard L.D. Morse Speeches, 17) Alphabetical Speeches by Others, 18) Reports and Publications-Printed Material, 19) Studies/Research-Printed Material, 20) Homemaker/Home Health Aid Service Reports-Printed Material, 21) Newsletters/Bulletins-Printed Material, 22) Newspapers and Clippings-Printed Material, 23) Subject Files, 24) Study: Savings Advertisement Analysis, 25) Journals and Magazines.

This collections' greatest strength resides in Richard L.D. Morse's records pertaining to the twentieth century national consumer movement, which can be found in every series. Beginning with a small collection of World War II consumer-oriented pamphlets and continuing through several documents from John F. Kennedy's and Lyndon B. Johnson's presidential administrations as well as correspondence with Watergate era congressmen and concluding with Morse's own testimony in the 1990s before the United States Congress, the papers showcase the heavy interaction between consumer groups and federal governance against unfair business practices. Numerous files further outline Morse's efforts to advance efficiency and equity in the marketplace, the implementation of fiscal protection for soldiers through the implementation of a 1974 Department of Defense Directive 1344.7, the providing of incentives for sellers to keep their customers satisfied and the creation and passage of the Truth-in-Packaging, Truth-in-Lending, and Truth-in-Savings Bills before the United States Congress. Many additional files relate to the activities of different regional leaders in the movement, including Ralph Nader, Betty Furness, Esther Petersen, and Colston E. Warne. Other files include subject-oriented correspondence between Morse and various grass roots groups who were seeking advice and attempting to coordinate their local efforts with others across the nation. Likewise, many sections of Morse's correspondence and subject files also cover issues with Macy's Department Store, Montgomery Ward, Parkman chain stores, General Motors, the United Autoworkers, usury laws and the dubious practice of trading stamps. Likewise, the papers contain many of Morse's own speeches and articles on these subjects as well as copies of speeches given by period consumer movement contemporaries, which cover such additional topics as stances on anti-trust legislation, the 1968 Housing Act, the relations between the consumer and the government, the development of public interest groups, industry self-regulation, and ethics in advertising.

The Correspondence Series (1941-1987) consists of (16) sixteen boxes separated into two groupings. The first is arranged chronologically. The second is arranged alphabetically. These documents cover a wide spectrum of Morse's personal and professional life between the Second World War and his 1987 retirement from Kansas State University. A few of the files provide a glimpse into his military service, including documentation relating to his training, earned citations for bravery in battle, and discharge. Other files provide insight into many of his ongoing conversations with other notable figures in the Consumer Movement and governance, including Stanley E. Cohen, Betty Furness, Estes Kefauver, Walter Mondale, Ralph Nader, James Pearson and Ester Peterson. Many also relate to Morse's relationship with the Federal Trade Commission, the Kansas Home Economic Association, and the Kansas Judicial Council's Advisory Committee on Probate Code. Still other sections of the series detail his relationship with consumer ventures, such as the Consumer Assistance Center, the Consumer Farmer Foundation, and Consumers Union. Researchers of the Consumer Movement will find the John and Edward Kennedy file, which contains a four-page 1961 telegram from the sitting president on the importance of consumer advocacy of particular interest. Finally, several files also demonstrate Morse's commitment to his family in personal correspondence with and/or about his wife, Marjorie, and their daughters.

These papers, likewise, collect Richard Morse's professorial material from the different stages in his career. While the Kansas State University Correspondence Series (1968-1984) is arranged in chronological order and by subject across (7) seven boxes, the Iowa State University Academic Records Series (1938-1950), the Florida State University Academic Records Series (1932-1964), and the Kansas State Academic Records Series (1931-1988) are each arranged by subject across (4) four, (6) six, and (22) twenty-two boxes, respectively. These series center on several different periods in Morse's administrative and professorial career. The K-State related correspondence covers his time as departmental chair and professor. The ISU Academic Records Series documentation explores the course work Morse completed towards his undergraduate and graduate degrees at ISU. The FSU material relates to the undergraduate and graduate courses Morse taught (most notably, Home Economics and Home and Family Life) and the organizations to which he belonged during this period, including the Florida Citrus Commission, and the Florida Home Economics Association. The Kansas State University Academic Records Series provides researchers with a comprehensive perspective of the Family Economics and the College of Home Economics activities between 1933 and 1987, including memoranda, accreditation reports, departmental histories, curricula, meeting minutes, alumni, courses and their related materials, as well as material involving the Center for Aging, student and faculty research papers.

The Truth-in-Savings Series (1961-1988) is arranged alphabetically by subject into (14) fourteen boxes. These files contain correspondence and research papers/articles pertaining to Morse's lobbying efforts on behalf of a proposed congressional bill relating to Truth-in-Savings for both American civilians and the military. Many of the documents relate to Morse's interaction with the press. Other documents examine the views of Consumer Movement notables Betty Furness, Ralph Nader, Ester Peterson, and President Jimmy Carter. Still others describe the impact of the independent Kansas state legislative reform on individual Kansans and Kansas banks with whom Morse engaged in several heated exchanges, including the Kansas Savings and Loan and the Kansas Bankers Association.

The International Organization Series (1968-1987), National Organization Series (1936-1995), State Organization Series (1956-1988), and Conference Series (1935-1991), are each arranged by subject and contained in (3) three, (31) thirty-one, (30) thirty, (6) six, and (7) seven boxes, respectively. They contain reports, conference material, newsletters and correspondence, featuring the parallel levels of the Consumer Movement in twentieth century history. The documentation also offers particular insight into the sharing of information and coordination of activities between a series of different issue-oriented groups to most effectively study consumer trends and, where necessary, advocate change.

The Literary Works-Dissertation Series (1975-1985), Literary Works Thesis Reports at Kansas State University Series (1937-1981), and General Literary Works Series (1962-1977) are each arranged in alphabetical order across one, two, and two boxes, respectively. They house some of the dissertations, theses, and student articles Morse directed at K-State.

Richard L.D. Morse was also an active participant in advising and reforming local, state, and federal governance. The Federal Executive and Legislative Branch Office Series (1921-1988) is arranged by office/agency and separated by subject into (17) seventeen boxes, which details Morse's involvement with the Consumer Protection Agency, the Council of Economic Advisors, the Department of Agriculture, the Federal Reserve, the Federal Trade Commission, the United States and the 1967 President's Committee on Consumer Interest. Similarly, the State of Kansas Government Documents Series (1959-1988) is arranged by governmental office and subject in (5) five boxes, which demonstrates Morse's involvement in issues relating to the Department of Agriculture, Department of Health, the Kansas Consumer Credit Commission, the Department of Social Welfare, and the Kansas House of Representatives.

The Richard L.D. Morse Speeches Series (1947-1980) is arranged in chronological order into (2) two boxes. Several of Morse's speeches will be of particular interest to Consumer Movement researchers, including the 1958 "Using Your Bank," the 1964 "Need for Consumer Grades, 1965 "the Consumer and the Product-Quality, Packaging, and Pricing," the 1965 "Trading Stamps-A Consumer's View," and the 1976 "Ways of Making the Marketplace Responsive to the Needs of Older (and all) Consumers." Similarly, the Speeches Series (1934-1983) collects the speeches of other consumer movement notables and government employees in alphabetical order by name across (4) four boxes. For example, several of the files relate to Federal Trade Commission personnel (most notably, Paul Rand Dixon and Gale Gotschall), while others document the works of advocacy leaders (most notably, Esther Peterson and Colston Warne). This series served as the basis for the 1993 publication of The Consumer Movement: Lectures by Colston E. Warne. The book was introduced and edited by Morse.

Richard L.D. Morse was a prolific writer and avid reader. The Publications Series (1942-1989) is chronologically arranged in (4) four boxes, covering Morse's list of publications and other items of interest from The Economist to The Gadget Quacks to The Kansas Gross Product Study. The Studies, Research, and Reports Series (1932-1991) is arranged in chronological order across (3) three boxes, collecting the research and analysis of many of Morse's academic and consumer studies contemporaries. Similarly, the Newsletters/Bulletins-Printed Material Series (1980-1995) is arranged alphabetically by publication across (11) eleven boxes and the Newspapers and Clippings-Printed Material Series (1970-1995) is arranged in (2) two boxes alphabetically by newsletters, journals and periodical name. Similarly, the Journals and Magazines Series is arranged alphabetically across three boxes, containing various business and academic periodical back issues, ranging from Acadame to Forbes to Zillions.

The Subject Files Series (1950 to 1995), arranged in alphabetical order across (31) thirty-one boxes, contains numerous files, which complement the Correspondence Series in providing background research pertaining to on-going professional discussions, articles, queries, and reports. Considerable subjects in this series examine issues relating to advertising commercials and the consumer, the credit industry, food products and grocery franchise practices, healthcare, the Kansas Consumer Credit Commission, the Truth-in-Labeling and Truth-in-Packaging federal legislative initiatives, the alleged misuse of trading stamps, ongoing efforts to support Truth-in-Savings and Truth-in-Lending legislation federally and in Kansas, arguments with banks over their accounting practices, and, finally, the adoption of a Uniform Consumer Credit Code.

Paul A. Thomsen
Archives Assistant
University Archives/Manuscripts
Morse Dept. of Special Collections

Publications of Richard L. D. Morse

1. "The Congo Cooperative Eating Club, Inc., Its Origin and Early Development, 1936-1937", 62 pp. (Mimeo), U. of Wisconsin Library, Madison, WI, 1942.

2. "Tire Rationing and Butterfat Transportation Problems", (with Frank Robotka), The Creamery Journal, pp. 14-15, 27, May 1942.

3. "Transportation of Eggs - Wartime Consideration", (with A.D. Oderkirk), The U.S. Egg and Poultry Magazine. 48: 560-1, 573-7, October 1942.

4. "Egg Grading and Consumers' Preferences with Special Reference to Iowa Egg Marketing" (Abstract of 1942 Ph.D. dissertation), Iowa State College Journal of Science. 20: 30-3, October 1945.

5. Rules and Regulations of the Iowa Agricultural Experiment Station. Editor, Ames, Iowa: Iowa Agricultural Experiment Station, 1947, 77 pp.

6. "Financial Security for a Florida Family", The Florida Clubwoman. December 1950.

7. "Selected Studies of Consumer Preference for Canned Orange Juice", Proceedings of the Florida State Horticultural Society for 1952. pp. 230-234, 1953; also The Citrus Industry. 34:4:8-11, April 1953.

8. "What Should a Competent Family Economist Know?" Proceedings. Conference on Training in Family Economics for College Teaching and Research. Washington, D.C., American Home Economics Association, June 1956.

9. "The Significance of the Food and Drug Laws to the Consumer", Food and Drug Cosmetic Law Journal. 2:7:341-9, July 1956.

10. "What Are You Worth? A Guide for Family Money Management", Department of Family Economics, Kansas State University, mimeographed, 19 pp., 1957. Rev. 1962.

11. "Student Financial Management Records", Family Economics Department, Kansas State University, 1957.

12. "Consumer Looks at Labeling", Proc, Third Annual Conference of the Council on Consumer Information. St. Louis, pp. 23-28, 1957.

13. "Student Financial Records - Effectiveness in Teaching", Journal of Home Economics. 51:10:876-77, December 1959. (with Eugenia Allen Egbert).

14. Preface to Proc. Sixth Annual Conference of the Council on Consumer Information. Minneapolis, 1960.

15. Testimony on Consumer Credit Labeling Bill, Hearings before a subcommittee of the Committee on Banking and Currency, U.S. Senate, 86th Congress, 2nd Session S. 2755, pp. 583-639, April 20, 1960.

16. "An Image of a Credit Union", The Kansas Credit Union News. 21:9, September 1960.

17. Correspondence with President Kennedy and Opening Remarks in Proc, Seventh Annual Conference of the Council on Consumer Information, St. Louis, pp. 1-2, 100-103, 1961.

18. Testimony on Truth in Lending - 1961, Hearings before a Subcommittee of the Committee on Banking and Currency, U.S. Senate, 87th Congress, 1st Session on S. 1740, pp. 304-369, July 1961.

19. Consumer Advisory Council, First Report. Executive Office of the President. (Jointly edited by members of CAC), October 1963.

20. "Are Credit Terms Quoted Accurately?", (with Theresa Courter), Personal Finance Law Quarterly Report. 17:4, Fall 1963.

21. "Assessed Values of Homesteads of the Aged in Riley County, 1962." (With Janice Wanklyn), Kansas Business Review. Vol. 17, No. 4. April 1964.

22. "Statement on Consumer Credit", presented to the Assembly Committee on Finance and Insurance, California Legislature, January 23, 1964, Los Angeles, California. Reprinted in Hearings before a Subcommittee of the Committee on Banking and Currency, U.S. Senate, 88th Congress, 1st and 2nd Session on S. 750. Truth in Lending, 1963-64, Part 2, pp. 1366-1377.

23. "Official Report: What Borrowers Need to Know", U.S. News and World Reports. LVIII:52:85-6, June 1964.

24. "Fee Assessment and Farm Family's Ability to Pay", (with Albie Rasmussen), Health Service in Kansas. Kansas State Department of Social Welfare, Topeka, Kansas, 9 p., 1965.

25. "Consumer Representation in Government", Proc. Twentieth Conference of College Teachers of Textiles and Clothing. Chicago, Illinois, pp. 21-29, October 1964.

26. "Trading Stamps - A Consumer's View", Department of Family Economics, 21 p., 1965.

27. "Economic Status and Financial Security Provision of Kansas Farm-Operator Families, 1955", Department of Family Economics, 102 p., 1965.

28. "Are Consumer Grades Needed?" Journal of Marketing. 30:3:52, July 1966.

29. "Truth and Lending", Council on Consumer Information Pamphlet Number 17, 47 pages, CCI, University of Missouri, Columbia, Missouri, 1966.

30. "Consumer Credit Computations", Council on Consumer Information Pamphlet Number 18, 56 pages, CCI, University of Missouri, Columbia, Missouri, 1967.

31. "Shopping Compared of Low-Income Homemakers and Students", (with Helen Barney), Journal of Home Economics. 59:1:48-50, January 1967.

32. "Consumer Expert Endorses Truth in Lending", Congressional Record. S. ^ 164-9, May 2, 1967.

33. "Testimony on Truth in Lending - 1967", Hearings before the Subcommittee on Financial Institutions of the Committee on Banking and Currency, U.S. Senate, 90th Congress, 1st Session on S. 5, pp. 532-561, April 20, 1967.

34. "Truth in Lending", Personal Finance Law Quarterly Report. 21:2:52, Spring 1967.

35. "Trading Stamps-No Thanks!", Kansas Food Dealers Bulletin. Vol. 9, No. 1, pp. 4-5, January 1967.

36. "Consumer Representation in Government - 1967", Proceedings. Textiles and Clothing Forum. University of Wisconsin, June 1967.

37. Testimony on Truth in Lending - 1967, Hearings before the Subcommittee on Consumer Affairs of the Committee on Banking and Currency, House of Representatives 90th Congress, 1st Session on H.R. 11601, The Consumer Credit Protection Act, pp. 507-544. August 14, 1967.

38. "Lengthening Distance Between the Haves and the Have-Nots", Journal of Home Economics. 59:8:636-40, October 1967.

39. "Historical Development of Consumer Credit", Consumer Credit in Family Financial Management. Proceedings, American Home Economics Association, Washington, D.C., 1968; also in Journal of Home Economics. 60:1, January 1968.

40. Final Report. Homemaker Service Demonstration Training Project. Department of Family Economics, Kansas State University, 177 pp., May 1970.

41. "The Older Citizens' Consumer Program", Probe. Vol. I, No. 3, February 1971.

42. "Decision Making at the Household Level", Chapter 6 in Rural Development: Research Priorities. Ed. Earl Heady, Iowa State University Press, 1973.

43. "Truth in Savings", (with William R. Fasse), The Journal of Consumer Affairs. 7:2:156-164, Winter 1973.

44. "Testimony on Consumer Agency - 1973", Hearings before the U.S. Senate Committee on Government Operations on S. 707, "To Establish an Independent Consumer Protection Agency", pp. 417-421; 421-479, U.S. Government Printing Office, Washington, 1973.

45. "Testimony on Truth in Savings - 1973", Hearings before the U.S. Senate Consumer Credit Subcommittee on S. 1052, "To Establish a Consumer Savings Disclosure Act...", pp. 140-417, U.S. Government Printing Office, Washington, 1973.

46. Kansas Consumer Credit Code. Kansas House Bill No. 1395, session of 1973, 125 pp., drafted with Assistant Attorney General Lance Burr, 1973.

47. "Probate Costs in Kansas" in Probate Law Study Advisory Committee Report, 14 pp., January 10, 1974.

48. "Probate Costs of Kansas, Phase II - Time Lapse", 6 pp., Kansas Judicial Council, 1974.

49. "Probate Fees - A Consumer's View", 4 pp., Kansas Bar Association Institute on Probate Law, Overland Park, KS, 1974.

50. "Truth in Savings - Comparative Analysis with Financial Institutions Act of 1973", Department of Family Economics, 2 pp., January 1974.

51. "Let's Have Some Truth-In-Savings", Department of Family Economics, 4 pp., January 1974

52. Simplified Estate Act. Kansas Statutes Annotated 59-3205, drafted by Probate Law Study Committee, 1975.

53. "Truth in Savings - Advertising Disclosures-Passbook Savings", Contract report to Office of Consumer Affairs, H.E.W., Department of Family Economics, 26 pp., February 1975 (See also Savings and Loan News. 84-89 pp, October 1975).

54. "Truth in Savings". Credit Union Executive, pp. 8-11, Autumn 1976.

55. Morse Daily Rate Tables: Book I, Daily Compounding, p. 259; Book II, Continuous Compounding, p. 259; Book III. 360-Daily Basis, p. 158; Kansas Agricultural Experiment Station, Kansas State University, Manhattan, Kansas, 1977.

56. Check Your Interest, Morse Publications, Manhattan, KS, p. 24, 1978.

57. "Homemaker-Home Health Care", Dialogue. A Kansas Journal of Health Concerns, University of Kansas, School of Medicine, Kansas City, Kansas, Vol. 4, pp. 41-46, Spring 1978.

58. "Rule of 78's vs. Annual Percentage Rate: Back to the Basics", Journal of Consumer Affairs. Vol. 13, No. 2, Winter 1979.

59. "Testimony on Truth in Savings - 1979", Hearings before the U.S. House Subcommittee on Commerce, Consumer, and Monetary Affairs on "Federal Supervision on Bank Advertising and Promotion Practices", pp. 85-118, 741-782, 909-1092, September 11, 1979.

60. "Testimony on "Truth in Savings", KS Senate Bill No. 217, before Committee on Financial Institutions and Insurance, February 14, 1979, Topeka. [Assisted in drafting this and companion House Bill No. 2354].

61. "Consumers All", Chapter 7 in Handbook on Aging. James Montgomery, ed., American Home Economics Association, Washington, D.C., 1980, pp. 51-58.

62. "The Economics of Aging", in Hort. Therapy. Vol. 1, No. 2 (April, 1981), pp. 13-18.

63. Truth in Savings--A Comparative Analysis of the Model State Act and the New York State Act and Regulations. Morse Publications, 1980. 19 pp.

64. Testimony on "Usury Rates" before The Senate Committee on Commercial and Financial Institutions, Kansas Legislature, January 25, 1980. 7 pp., Committee's files, Statehouse, Topeka, Kansas.

65. Morse Rate Tables for Monthly and Quarterly Compounding. Morse Publications, 1980. 55 pp.

66. "The Consumer Movement-A Middle Class Movement", in Proceedings. 27th Annual Conference. American Council on Consumer Interests, 1981.

67. "New Alternatives for Banking and Saving", in Proceedings. Family Economics/Home Management Section Workshop at Stockton College, 1981. (pp. 160-164).

68. Proposed International Standard for Interest Rate Disclosures. International Organization of Consumers Union. The Hague, 1981. 13 pp. (mimeo).

69. Testimony on Truth in Savings, KS House Bill No. 2452, Committee on Commercial and Financial Institutions, February 4, 1982. [Assisted in drafting this and similar Senate Bill No. 213 in 1983 session.]

70. Testimony on "Uniform Consumer Credit Code" before Special Committee on Commercial and Financial Institutions of Kansas Legislature, Topeka, Kansas. July 21, 1983. 3 pp., Committee files, Statehouse, Topeka, Kansas.

71. Testimony on "Plain Language in Consumer Contracts" before House Committee on Commercial and Financial Institutions, February 24, 1983. Committee files.

72. Cents-ible Interest. Family Economics Trust, Manhattan, KS, 32 pp., 1984. [Reprinted in U.S. House Hearing on H.R. 5232].

73. Testimony on "Consumer Savings Disclosure and Verification Act", KS Senate Bill No. 549 before Committee on Financial Institutions and Insurance, February 24, 1984. [Assisted in drafting this bill which was narrowly defeated by the Senate].

74. Testimony on "The Truth in Savings Act - H.R. 5232" in Hearing before the committee on Banking, Finance and Urban Affairs, serial No. 98-110, pp. 57-143; 171-173, August 8, 1984, Washington, DC.

75. Testimony on "Consumer Savings Disclosure and Verification Act", KS House Bill No. 2380, before Committee on Commercial and Financial Institutions, March 6, 1985. [Assisted in drafting this bill and companion Senate Bill No. 244, session 1985. Assisted in drafting the Massachusetts Truth in Savings Act which became effective April 8, 1985. Also assisted in drafting KS House Bill No. 2331, Session of 1987, which focuses on the daily rate.]

76. Informal Estates Act. Kansas Statutes Annotated 59-3301, 1986. [Assisted in drafting Ks. House Bill No. 3012, session 1984; Senate Bill No. 40, session 1985.]

77. "Consumer Movement Archives", in Proceedings. 34th Annual Conference. American Council on Consumer Interests, p. 11, 1988.

78. "Truth in Savings - A Consumer's Perspective", Journal of Retail Banking. Vol. X, No. 2, pp. 53-64, Norcross, GA, 1988.

Container Listing

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Truth in Savings
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Study Savings Advertisement Analysis (Sept-Oct 1974)
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