Reports

The annual Making Ends Meet survey report highlights new trends in household financial stability.

Spring 2023 Semi-annual Report of the Consumer Financial Protection Bureau

The Bureau’s annual report to Congress summarizes the Bureau’s activities to administer the Fair Debt Collection Practices Act (FDCPA) in 2022 as the primary federal regulator of the consumer debt collection industry. This report also includes activities conducted by the Federal Trade Commission (FTC) in 2022 in relation to debt collection.

The financial report provides readers with the summary results of the CFPB’s operational activity, and it is the principal statement of our accountability to the American people, the United States Congress, and the President of the United States.

The Language Access Plan describes the CFPB’s policy and how the CFPB’s language access activities are implemented across operations, programs, and services.

Many states have adopted Community Reinvestment Acts similar in purpose and structure as to federal Community Reinvestment Act of 1977. These state laws were developed following the passage of the federal Community Reinvestment Act but contain differences that reflect the unique reinvestment priorities of individual states.

Every two years, the CFPB reports on the state of the consumer credit card market. Our report for 2023 covers the use, cost, and availability of credit cards.

This report is required by statute. It covers the student lending market, complaints, challenges for consumers, and makes recommendations to policy makers.

This special edition of Supervisory Highlights updates the public on supervisory work completed since the CFPB published the March 2023 Supervisory Highlights Junk Fees Special Edition.

CFPB recently analyzed the NSF fee practices of a number of banks and credit unions, finding that most large earners of NSF fee revenue have eliminated these fees, saving consumers nearly $2 billion annually.

This Bureau Data Point article describes 2022 mortgage market activity and trends using data reported under the Home Mortgage Disclosure Act (HMDA).

Reverse mortgage lenders send millions of advertisements to older adult homeowners via mail every year. The CFPB found that the number of such advertisements increased in 2021 and 2022 compared to the previous five years. These advertisements were largely sent to low-and middle-income households, and to southern and western states.

This issue spotlight is part of the CFPB’s broader effort to monitor the rapidly evolving consumer payments industry, including the expansion of Big Tech companies into this sphere.

This issue spotlight describes the risks workers and consumers face when they become indebted to the employer or the employer’s affiliate as a condition of employment.

The Bureau is committed to ensuring fair, equitable, and nondiscriminatory access to credit for both individuals, small businesses, and communities. This report describes our fair lending activities in enforcement and supervision; guidance and rulemaking; interagency coordination; and outreach and education for calendar year 2022.

This report provides a broad look at consumer financial profiles in eight states in the southern region of the U.S., including credit scores, financial distress, medical collections, and other debt categories.

This report analyzes banking and credit access across eight states in the southern region of the U.S, particularly branch presence and bank account access, and capital access such as mortgage lending.

CFPB report highlighting consumer complaints received by the agency's Office of Servicemember Affairs. The report discusses issues related to digital payment apps also known as [person-to-person (P2P) payment platforms], and actions the agency has taken and the results it has achieved to protect the military community from financial harm.

The Consumer Financial Protection Bureau is pleased to present our Semi-Annual Report to Congress for the period beginning April 1, 2022 and ending September 30, 2022.

Many financial institutions are using advanced technologies to deploy customer service chatbots. Poorly designed chatbots can lead to customer frustration, reduced trust, and even violations under the law.

College tuition payment plans are widely used loans that can be a good option for students, yet present significant risks for consumers, and regulators may want to consider paying more attention to them.

Payment apps that allow consumers and businesses to quickly send and send money also often provide the ability for users to store those funds. Funds stored on these platforms often lack deposit insurance coverage and are at risk of loss in the event of financial distress or failure of the entity operating the payment platform.

Medical billing practices can leave people 65 and older with inaccurate bills and attempts to collect amounts they do not owe.

Overdraft/NSF revenue for the fourth quarter of 2022 alone was approximately $1.5 billion lower than in the fourth quarter of 2019 – a decrease of 48% compared to before the pandemic, suggesting an annual reduction of over $5.5 billion going forward. This decrease suggests average annual savings of more than $150 per household that incurs overdraft or NSF fees; many households have saved much more.

Since late 2021, CFPB has been closely monitoring trends in overdraft/non-sufficient fund (NSF) fee revenue and practices. This page provides CFPB's latest data and analysis as well as a record of previous reports and data.