The Bureau is pleased to submit to Congress its annual report summarizing the Bureau’s activities along with those of the Federal Trade Commission to administer the Fair Debt Collection Practices Act (FDCPA).
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.
Suspicious Activity Reports on Elder Financial Exploitation
This study analyzes a rich, non-public data set to shed light on the volume and characteristics of elder financial abuse.
This report explores the prevalence and ease of first-time homeownership over time.
On January 3, 2019, the Good Accounting Obligation in Government Act (GAO-IG Act) was enacted as Public Law number 115-414. The GAO-IG Act requires agencies to annually submit a report to Congress on the status of open public audit recommendations. This report is the first published by the Bureau of Consumer Financial Protection in compliance with that law.
Disclosure of Time-Barred Debt and Revival: Findings from the CFPB’s Quantitative Disclosure Testing
Between May and September 2019, the CFPB conducted a large-scale online survey experiment designed to test several versions of disclosures to support understanding of time-barred debt and revival. The results of the survey experiment are summarized in this report.
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.
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.
Fall 2019 Semi-Annual Report of the Bureau of Consumer Financial Protection
This Data Point article tracks the evolution of small business lending before, during and following the Great Recession.
More than 65 percent of the Bureau of Consumer Financial Protection (BCFP) employee population responded to the annual employee survey conducted between Aug. 19 and Sep. 13, 2019.
2019 Bureau of Consumer Financial Protection (CFPB/BCFP) report on college credit card agreements.