Terms of Credit Card Plans (TCCP) survey
Every six months, the CFPB collects and makes public data on credit cards from over 150 issuers to promote competition and transparency in the credit card market.
Current data and resources
Data on terms of credit card plans was first collected in 1990 as part of The Fair Credit and Charge Card Disclosure Act of 1988. In 2023, the CFPB enhanced the survey to collect more details on the credit cards that issuers offer.
Current data and data dictionary
Comparing credit cards is just one way to use our credit card data. Our data is public, and anyone can use it. It’s released twice a year along with an updated data dictionary.
Compare credit cards
After careful consideration, the CFPB has retired the interactive Explore Credit Cards comparison tool. The CFPB does not have timely source data to effectively support the purposes for which consumers might want a card comparison tool. To encourage innovation and independent analysis, both the data and the open-source code behind this tool are available to the public. The CFPB will continue to evaluate opportunities to make this data available through additional formats, including a public API.
Resources for financial institutions
The CFPB uses an online system titled “Collect” for financial institutions to submit credit card agreements, prepaid account agreements, college credit card marketing agreements, and the Terms of Credit Card Plans Survey.
- Register to submit your information – First-time users, please complete and submit this short form to access Collect
- Submit your information– Submit the Terms of Credit Card Plans Survey using Collect
Survey submissions must correspond to the reporting period:
- January 1 - June 30, due the following September
- July 1 - December 31, due the following March
Voluntary submissions
If your institution did not receive an order to submit credit products to the survey, you may voluntarily submit a survey response. Learn more about our open call for credit card information.
To get started, register for voluntary submissions then submit your information.
FAQs
The CFPB provides a list of commonly asked questions and answers to assist survey respondents in their submissions. Browse all FAQ topics.
- Setting up multifactor authentication (MFA) – Detailed instructions for setting up MFA for Collect Users
- Quick reference guide – One-page overview of submitting the Terms of Credit Card Plans Survey using Collect
- User Guide (January 2025) – Detailed instructions for submitting the Terms of Credit Card Plans Survey using Collect
Past data
The CFPB maintains historical data from the semiannual survey, available from 1990.