CFPB Researchers

The CFPB has PhD social scientists from different disciplines that design and conduct foundational, policy-relevant research on consumer finance and household behavior.

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Joseph Harvey

Research Scientist

Behavioral economics
Natural Language Processing
Applied Statistics
Judgment and decision-making

Patrick Heck

Research Psychologist

Behavioral economics
Survey methodology
Judgment and decision-making

About us

The Consumer Financial Protection Bureau (CFPB) is a 21st century agency that helps consumer finance markets work by making rules more effective, by consistently and fairly enforcing those rules, and by empowering consumers to take more control over their economic lives.