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Data, research, and reports

More competition and less complexity: How the CFPB is working to lower prices in the credit card market

From flights to rental cars to amusement park tickets, it can feel like there's too much fine print and too many junk fees not included in the upfront price. Some argue that a wide array of pricing options gives consumers more choice, but recent research from the CFPB suggests that complex pricing leads consumers to fare worse and pay higher prices.
Data, research, and reports

CFPB trabaja para bajar precios de tarjetas de crédito | CFPB

Desde vuelos, pasando por renta de autos, hasta tickets para parques temáticos, todos incluyen muchas cláusulas y tarifas escondidas que no se reflejan en el precio mostrado. Una reciente investigación nuestra sugiere que precios más complejos lleva a que los consumidores paguen peores tarifas y precios más altos.
Director's notebook

As outstanding credit card debt hits new high, the CFPB is focusing on ways to increase competition and reduce costs

Credit cards are one of the most common financial products in our country, providing the bulk of short-term credit for families. Interest rates on credit cards have risen substantially, with average interest rates going over 20%. Given the trends for the 175 million Americans with credit cards, the CFPB estimates that outstanding credit card debt may continue to set records and could even hit $1 trillion.