Making Ends Meet in 2022: Insights from the CFPB Making Ends Meet survey
The annual Making Ends Meet survey report shows how consumers’ finances changed from 2021 to 2022.
Research on consumer financial markets
Our PhD social scientists design and conduct foundational, policy-relevant research on consumer finance and household behavior.
For preliminary research and working papers, find the Office of Research’s independent papers on SSRN.
Consumer Savings App Strategies and Savings Outcomes
This report provides new insights into the automated saving rules consumers use (e.g., save on payday or with each purchase) and how these rules relate to the amount saved.
Emergency Savings and Financial Security: Insights from the Making Ends Meet Survey and Consumer Credit Panel
New analysis in our Making Ends Meet series looks at financial security by examining how much consumers have in emergency savings and their financial profiles.
Balancing savings and debt: Findings from an online experiment
The Office of Research released a research brief summarizing the results of an online experiment exploring how the amount of available savings may influence decisions about using savings to pay down credit card debt.
Perceived Financial Preparedness, Saving Habits, and Financial Security
The Office of Research released a research brief that explores consumers’ perceived financial preparedness, saving habits, and financial security.
Evidence-based strategies to build emergency savings
The Office of Research released a report that synthesizes the rigorous research of programs and strategies aiming to help consumers achieve greater liquid savings.
Planning for tax-time savings
A large study exploring tax-time saving found that early messaging and small incentives were effective at encouraging some customers to save using a savings feature on their prepaid card.