The document analyzes return rates of library materials at two academic libraries and discusses factors that affect patron behavior. It compares the loan periods, fines and fees policies of the University of Hawaii Manoa library and Eastern Illinois University library. The EIU library implemented changes to its undergraduate loan periods and fines structure in 2006-2007, while keeping policies the same for faculty and graduates. Overall, the document examines how library policies around loan periods and fines impact the return of materials.