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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Issue Brief: The costs and risks of using a reverse mortgage to delay collecting Social Security

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.

Effective financial education: Five principles and how to use them

There is no single right way to help adults improve financial decision-making, just as there is no single right way everyone should conduct their financial lives. This report, reflecting research and input from the field, presents five principles for effective financial education.