Research and reports

In this issue of Supervisory Highlights, we report examination findings in the areas of auto finance lending; credit card account management; debt collection; deposits; mortgage servicing; mortgage origination; service providers; short-term, small-dollar lending; remittances; and fair lending. As in past editions, this report includes information about recent public enforcement actions that were a result, at least in part, of our supervisory work. The report also includes information on the Bureau’s use of its supervisory and enforcement authority, recently released examination procedures, and Bureau guidance.

This issue brief explores the tradeoffs of borrowing a reverse mortgage loan in order to delay claiming Social Security. It shows that, in general, the reverse mortgage loan costs exceed the additional increase in Social Security that homeowners would receive in their lifetime by delaying Social Security benefits.

The CFPB has identified ten promising practices for tax assistance providers to help people save when filing their taxes.

Student loan debt is having an increasing impact on older Americans, according to CFPB research.

This report provides an overview of the 2017 Financial Coaching Symposium, including lessons learned and next steps for the field to consider. 

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 report spotlights the growing number of employer-based student loan repayment programs that can save eligible employees hundreds of thousands in loan principle and interests payments, but where barriers to innovation exist. This report also features a series of recommendations to help employers and other companies that manage benefits programs ensure that borrowers receive the maximum value. 

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.

The CFPB’s Office of Consumer Response hears directly from consumers about the challenges they face in the marketplace, brings their concerns to the attention of companies, and assists in addressing their complaints. This Monthly Complaint Report provides a high-level snapshot of trends in consumer complaints.

The Consumer Financial Protection Bureau’s sixth annual Plain Writing Act Compliance Report is presented to fulfill the Bureau’s statutory responsibilities pursuant to the Plain Writing Act of 2010.