Reports

Our reports focus on a wide range of topics including how consumers interact with financial products and services, trends in specific markets such as debt collection and credit cards, and the experiences of selected populations such as servicemembers, older Americans, and traditionally underserved consumers. Review our reports and analyses to help inform your decisions, policies, and practices.

Debt Burdens Among Credit-Linked Consumers in the United States

Using consumer credit record data, CFPB researchers document how often consumers share credit with likely-household members, what types of credit they share, and what we might miss by focusing solely on individuals.

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Consumer Protection Principles: Consumer-authorized financial data sharing and aggregation

These consumer protection principles are intended to help safeguard consumer interests as the consumer-authorized aggregation services market develops.

To Congress

Published OCT 16, 2017

Annual report of the CFPB Student Loan Ombudsman 2017

This annual report from the Student Loan Ombudsman highlights how individual consumer complaints can shape public policy and drive industry-wide reform.

Published SEP 29, 2017

Who are the credit invisibles? How to help people with limited credit histories

A brief on credit invisibility, implications for consumers, and steps that communities can take to help consumers build or rebuild their credit.

Consumer education and empowerment

Published SEP 26, 2017

Financial well-being in America

This report presents the findings of a national survey that examined the financial well-being of U.S. adults. The report shows the distribution of financial well-being scores for the U.S. adult population and for selected subgroups.

Supervisory Highlights

Published SEP 12, 2017

Supervisory Highlights: Summer 2017

In this issue of Supervisory Highlights, we report examination findings in the areas of auto finance lending, credit card account management, debt collection, deposit, mortgage servicing, mortgage origination, service provider programs, short-term small-dollar lending, remittances, and fair lending.

Supervisory Highlights

Published SEP 06, 2017

Supervisory Highlights: Summer 2018

In this issue of Supervisory Highlights, we report examination findings in the areas of automobile loan servicing, credit cards, debt collection, mortgage servicing, payday lending, and small business lending that were generally completed between December 2017 and May 2018.

Consumer education and empowerment

Published AUG 24, 2017

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.

Consumer education and empowerment

Published AUG 22, 2017

Building the capacity of tax preparation providers to encourage saving

The CFPB has identified ten promising practices for tax assistance providers to help people save when filing their taxes.

Industry and markets

Published AUG 18, 2017

A nationwide look at how student debt impacts older adults

Student loan debt is having an increasing impact on older Americans, according to CFPB research.

Consumer education and empowerment

Published AUG 17, 2017

Financial Coaching: Advancing the field to better serve consumers

This report provides an overview of the 2017 Financial Coaching Symposium, including lessons learned and next steps for the field to consider.

Office of Research Publication

Published AUG 16, 2017

CFPB data point: Student loan repayment

Our data point reports are prepared by our Office of Research to provide an evidence-based perspective on consumer financial markets, consumer behavior, and regulations to inform the public discourse.

By Office of Research

Industry and markets

Published AUG 16, 2017

Innovation highlights: Emerging student loan repayment assistance

This report spotlights the growing number of employer-based student loan repayment programs that can save eligible employees hundreds of thousands in loan principle and interests payments, but where barriers to innovation exist.

Office of Research Publication

Published AUG 04, 2017

CFPB data point: Frequent overdrafters

By Office of Research

Consumer complaint

Published AUG 01, 2017

Monthly Complaint Report, Vol. 25

This Monthly Complaint Report provides a high-level snapshot of trends in consumer complaints.

To Congress

Published JUL 28, 2017

Plain Writing Act compliance report 2017

The CFPB's sixth annual Plain Writing Act Compliance Report is presented to fulfill the Bureau's statutory responsibilities...

To Congress

Published JUL 05, 2017

2017 Strategic Sustainability Performance Plan

The CFPB's Strategic Sustainability Performance Plan (SSPP) provides information on the Bureau’s efforts to improve the environment and contribute to federal sustainability goals.

Consumer complaint

Published JUN 27, 2017

Monthly Complaint Report, Vol. 24

This Monthly Complaint Report provides a high-level snapshot of trends in consumer complaints.

To Congress

Published JUN 23, 2017

Semi-Annual Report Spring 2017

The CFPB presents this Semi-Annual Report to the President, Congress, and the American people in fulfillment of its statutory responsibility and commitment to accountability and transparency.

Consumer complaint

Published JUN 22, 2017

Staying on track while giving back: The cost of student loan servicing breakdowns for people serving their communities

This midyear update highlights the problems student loan borrowers face when seeking to access programs designed to protect people working in public service.

Consumer education and empowerment

Published JUN 14, 2017

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...

Consumer education and empowerment

Published JUN 13, 2017

Consumer insights on managing funds at retirement

This report describes CFPB research on ways to help people make decisions for spending their retirement savings. The study explored ways to communicate retirement spending options, whether it is years before retirement or “just in time” when retirement is near.

Office of Research Publication

Published JUN 07, 2017

CFPB data point: Becoming credit visible

By Office of Research

Consumer complaint

Published MAY 31, 2017

Monthly Complaint Report, Vol. 23

The CFPB’s Office of Consumer Response hears directly from consumers about the challenges they face in the marketplace, brings their concerns to the attention of companies, and assists in addressing their complaints.

Consumer education and empowerment

Published MAY 26, 2017

CFPB Financial Well-Being Scale: Scale development technical report

This technical report describes the development and scoring procedures of the CFPB Financial Well-Being Scale.

Consumer education and empowerment

Published MAY 16, 2017

The Office of Servicemember Affairs: Charting our course through the military lifecycle

This report introduces the Office of Servicemember Affairs' new focus: charting the financial issues a servicemember faces throughout his or her military...

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