2014 College credit card agreements
The Credit Card Accountability, Responsibility and Disclosure Act ("CARD Act") requires us to submit to Congress, and to make available to the public, an...
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.
Data point: Mortgage trends
This Bureau Data Point article describes 2020 mortgage market activity and trends using data reported under the Home Mortgage Disclosure Act (HMDA).
Consumer credit reports: A study of medical and non-medical collections
Roughly half of all collections tradelines that appear on credit reports are reported by debt collectors seeking to collect on medical bills claimed to be...
Study of Prepaid Account Agreements
To better understand the features and consumer protections currently provided by prepaid products, we studied publicly available account agreements for...
Summary of Findings: Design and Testing of Prepaid Card Fee Disclosures
This report summarizes
the findings of the Bureau’s pre-proposal consumer testing of pre-acquisition
disclosure forms for prepaid accounts.
Using publicly available information to proxy for unidentified race and ethnicity
We ensure that lenders are complying with fair lending laws and are addressing discrimination across the consumer credit industry.
Snapshot of older consumers and mortgage debt
Older homeowners are carrying more mortgage debt than ever before.
Mortgage closings today
Buying a home is one of the biggest financial decisions most people will make in their lifetimes, but navigating the closing process can be a challenge.
2013 College credit card agreements
This report to Congress is based on the information and agreements submitted to the CFPB by credit card issuers.
Arbitration study preliminary results
In section 1028(a) of the Dodd-Frank Act, Congress instructed us to study the use of pre-dispute arbitration contract provisions in connection with the...
CARD Act report
On Oct 1, 2013, we released a report detailing how the Credit Card Accountability Responsibility and Disclosure Act of 2009 (CARD Act) reduced penalty fees...
Public service and student debt
We estimate that more than 25 percent of the U.S. labor force works in public service.
The CFPB study of overdraft programs
On June 11, 2013, we released a report that raises concerns about the ability of consumers to anticipate and avoid overdraft costs on their checking accounts.
Student loan affordability
This report analyzes and discusses public comments submitted in response to a Request for Information Regarding an Initiative to Promote Student Loan...
White paper on payday loans and deposit advance products
During the past year, the Bureau has engaged in an indepth review of short-term small dollar loans, specifically payday loans extended by nondepository...
2012 College credit card agreements
This report to Congress is based on the information and agreements submitted to the CFPB by credit card issuers.
Key Dimensions and Processes in the U.S. Credit Reporting System: A review of how the nation’s largest credit bureaus manage consumer data
This paper describes the credit reporting infrastructure at the three largest nationwide consumer reporting agencies (NCRAs) – Equifax Information Services...
Final Report of the Small Business Review Panel on CFPB’s Proposals Under Consideration for Mortgage Servicing Rulemaking
This Small Business Review Panel Report addresses the CFPB’s upcoming proposal concerning the mortgage servicing rulemaking.
Reverse Mortgages Report
Congress directed the CFPB to conduct a study on reverse mortgages as part of the Dodd-Frank Wall Street Reform and Consumer Protection Act.
Report on remittance transfers
Each year, consumers in the United States send tens of billions of dollars to family members, friends, businesses, and others abroad.
CARD Act Conference: Key findings
The data from the eight presentations at the CARD Act conference provide an overview of the credit card market – the cost of credit for consumers, the...