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...
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).
Transforming the financial lives of a generation of young Americans
The Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 directs the Office of Financial Education within the CFPB to educate American...
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...
Senior Designations for Financial Advisers
The Dodd-Frank Wall Street Reform and Consumer Protection Act directs the Office of Financial Protection for Older Americans in the Bureau (CFPB or Bureau)...
No FEAR Act annual report
The CFPB presents its Notification and Federal Employee Antidiscrimination and Retaliation Act of 2002 (No FEAR Act) Annual Report for Fiscal Year (FY) 2012.
Semi-Annual Report
The CFPB presents its third Semi-Annual Report to the President and to Congress, in fulfillment of its statutory responsibility and commitment to...
Consumer Response Annual Report
On July 21, 2011, the Bureau began consumer response operations as the nation's first federal agency specifically mandated to protect American consumers in...
A Snapshot of Complaints Received
The Bureau began Consumer Response operations on July 21, 2011, and became the first federal agency solely focused on consumer financial protection.
Annual report on the Fair Debt Collection Practices Act
We presented our annual report to Congress on the Fair Debt Collection Practices Act (FDCPA) on March 20, 2013.
Growing our human capital
With this document, we submit our second annual report as required by Section 1067 of the Dodd-Frank Act.
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...
Fair Lending Report of the Consumer Financial Protection Bureau
Endowed by Congress with a unique consumer financial protection mission, the Bureau brings a new focus to questions of fair lending and equal access to...
Independent Performance Audit of CFPB Operations and Budget
To meet the requirements of the Dodd-Frank Act, the CFPB must order an independent performance audit for FY 2012.
Supervisory Highlights: Fall 2012
At the Bureau, we supervise certain financial institutions and service providers to determine their compliance with applicable Federal consumer financial...
The Next Front? Student Loan Servicing and the Cost to Our Men and Women in Uniform
Like their fellow Americans, many servicemembers have student loan debt.
Annual Report of the CFPB Student Loan Ombudsman
The Dodd-Frank Wall Street Reform and Consumer Protection Act established an ombudsman within the CFPB.
Analysis of Differences between Consumer- and Creditor-Purchased Credit Scores
When consumers purchase their credit scores from one of the major nationwide consumer reporting agencies (CRAs), they often receive scores that are not...
Consumer Response: A Snapshot of Complaints Received
Taking in, resolving, and analyzing consumer complaints is an integral part of the CFPB’s work, as Congress set forth in the Dodd-Frank Act.
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.
2012 Annual Report to the Committee on Appropriations of the House of Representatives
Section 1017(e)(4) of the Dodd-Frank Act gives the Bureau a statutory responsibility to present this report.
Semi-Annual Report to the President and Congress
The CFPB is the nation’s first federal agency focused solely on consumer financial protection.
Private Student Loans Report
The Dodd-Frank Wall Street Reform and Consumer Protection Act requires the Director of the Bureau and the Secretary of Education to submit a report on...