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Research and reports

We study how consumers interact with financial products and services to help identify potential problems in the marketplace and achieve better outcomes for all. Review our reports and analyses to help inform your decisions, policies, and practices. And, see reports that we periodically prepare about the CFPB.

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Category: Industry and markets |
Published

Quantitative Survey Testing of Model Disclosure Clauses and Forms for Debt Collection: Methodology Report

In September 2019, the CFPB engaged ICF International, Inc., to launch a large-scale online survey experiment designed to test several versions of disclosures to support understanding of time-barred debt and revival. ICF produced this report describing the methodology of this survey experiment, including sampling, response rates, and question development.

Category: Supervisory Highlights |
Published

Supervisory Highlights, Issue No. 21 (Winter 2020)

In this issue of Supervisory Highlights, we report examination findings in the areas of debt collection, mortgage servicing, payday lending, and student loan servicing that were completed between April 2019 and August 2019. The report does not impose any new or different legal requirements, and all violations described in the report are based only on those specific facts and circumstances noted during those examinations.

Category: To Congress |
Published

2019 Financial Literacy Annual Report

The 2019 Financial Literacy Annual Report of the Consumer Financial Protection Bureau details the Bureau's financial literacy activities and strategy to improve the financial literacy of consumers. Overall, this report describes the Bureau's efforts in a broad range of financial literacy areas relevant to consumers' financial lives.

Category: To Congress |
Published

State of Bureau Websites and Digital Services

These reports provide an overview of the Bureau’s publicly available website and digital services and electronic signature usage, in accordance with the reporting requirements of the 21st Century Integrated Digital Experience Act or the 21st Century IDEA (Public Law No. 115-336).

Category: To Congress |
Published

Annual Report on the TILA, EFTA, and CARD Act

This Report provides the information required to be reported by provisions of the Truth in Lending Act (TILA), the Electronic Fund Transfer Act (EFTA), and the Credit Card Accountability Responsibility and Disclosure Act (CARD Act) for the periods January 1, 2016–December 31, 2016, and January 1, 2017–December 31, 2017.