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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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Published

Recent Changes in Medical Collections on Consumer Credit Records

Medical collections on consumer credit reports have been an area of focus for CFPB research in recent years. In addition to studying trends in medical debt as a whole, CFPB reports have documented the burden of medical debt on older Americans, and the incidence of medical collections in rural counties in Appalachia and the Deep South region.
Data spotlight
Published

Overdraft/NSF Revenue in 2023 down more than 50% versus pre-pandemic levels, saving consumers over $6 billion annually

Overdraft/NSF revenue for the full year of 2023 was approximately $6.1 billion lower than before the pandemic, and 24% lower than in 2022. However, quarterly overdraft/NSF fees were flat throughout 2023, suggesting most of the year-over-year reduction reflects the impact of changes in policy enacted in 2022.
To Congress
Published

CFPB FY 2023 Office of Minority and Women Inclusion (OMWI) Report to Congress

The FY 2023 OMWI annual report to Congress provides detailed information about the diversity, equity, inclusion, and accessibility (DEIA) work of the Consumer Financial Protection Bureau from Oct. 1 2022 to Sept. 30 2023.