An official website of the United States Government


2014 College credit card agreements

The Credit Card Accountability, Responsibility and Disclosure Act (“CARD Act”) requires us to submit to Congress, and to make available to the public, an annual report that lists information submitted to the Bureau concerning agreements between credit card issuers and institutions of higher education or certain organizations affiliated with such institutions. This report refers to […]

Read more

Consumer credit reports: A study of medical and non-medical collections

Roughly half of all collections tradelines that appear on credit reports are reported by debt collectors seeking to collect on medical bills claimed to be owed to hospitals and other medical providers. These medical debt collections tradelines affect the credit reports of nearly one-fifth of all consumers in the credit reporting system. Our paper describes […]

Read more

2014 CFPB annual employee survey results

More than 83 percent of the CFPB employee population responded to the third annual employee survey conducted by the Consumer Financial Protection Bureau (CFPB) between July 15, 2014 and August 15, 2014. We’ll use feedback from tools like the annual employee survey to develop strategies to better serve employee needs. View the full report of […]

Read more

Semi-Annual Report Fall 2014

At the Consumer Financial Protection Bureau, we are the nation’s first federal agency whose sole focus is protecting consumers in the financial marketplace. Financial products like mortgages, credit cards, and student loans involve some of the most important financial transactions in people’s lives. In the Dodd-Frank Act, Congress created the Bureau to stand on the […]

Read more

Financial report fiscal year 2014

As our resources grow and as we do more to protect the rights of consumers, it is also important to be transparent in reporting our performance and the results of our financial operations. As required by the Dodd-Frank Act, we’ve prepared comparative financial statements for fiscal years 2013 and 2014. Read the full financial report […]

Read more

Study of Prepaid Account Agreements

In order to better understand the features and consumer protections currently provided by prepaid products, we studied publicly available account agreements for prepaid products. Specifically, we tried to determine current industry practices in a number of areas to understand the potential costs and benefits of extending various Regulation E provisions to prepaid accounts. We examined […]

Read more