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Reports

2014 Financial literacy annual report

Empowering people to take more control over their economic lives is essential to our mission. That’s why we’ve made financial education a critical component of our work. Our financial education strategy focuses on providing information and tools to help consumers navigate financial choices, and integrating financial capability training into other programs and services where consumers […]

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Consumer Response: A snapshot of complaints received

We began accepting consumers’ credit card complaints on July 21, 2011 and we now accept complaints about mortgages, bank accounts and services, private student loans, other consumer loans, credit reporting, money transfers, debt collection, and payday loans. This snapshot report provides an overview of how we handle complaints and presents an analysis of complaints received […]

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Report on the use of remittance histories in credit scoring

The Dodd-Frank Act directed us to study the potential for remittance information to enhance consumer credit scores. We issued a report to Congress on this subject in July, 2011. We have now concluded additional research. Take a look at our report on the use of remittance histories in credit scoring.

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Semi-Annual Report Spring 2014

Congress created the CFPB to stand on the side of consumers and ensure they are treated fairly in the financial marketplace. Since we opened our doors, we’ve been focused on making consumer financial markets work better for the American people, and helping them improve their financial lives. In our fifth Semi-Annual Report, we describe our […]

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Supervisory Highlights: Spring 2014

We’re committed to a consumer financial marketplace that is fair, transparent, competitive, and that works for all consumers. One of the tools we use to help meet this goal is to supervise companies offering financial products and services. Periodically, we publish Supervisory Highlights to share general information about the findings of our examinations without identifying […]

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Data point: Medical debt and credit scores

Our data point reports are prepared by our Office of Research to provide an evidence-based perspective on consumer financial markets, consumer behavior, and regulations to inform the public discourse. This second data point provides analysis of the use of medical collections in credit scoring models.  Take a look at our findings in the Data point: Medical […]

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