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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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Category: To Congress |

GAO-IG Act Reporting

On January 3, 2019, the Good Accounting Obligation in Government Act (GAO-IG Act) was enacted as Public Law number 115-414. The GAO-IG Act requires agencies to annually submit a report to Congress on the status of open public audit recommendations. This report is the first published by the Bureau of Consumer Financial Protection in compliance with that law.

Category: Industry and markets |

Quantitative Survey Testing of Model Disclosure Clauses and Forms for Debt Collection: Methodology Report

In September 2019, the CFPB engaged ICF International, Inc., to launch a large-scale online survey experiment designed to test several versions of disclosures to support understanding of time-barred debt and revival. ICF produced this report describing the methodology of this survey experiment, including sampling, response rates, and question development.

Category: Supervisory Highlights |

Supervisory Highlights, Issue No. 21 (Winter 2020)

In this issue of Supervisory Highlights, we report examination findings in the areas of debt collection, mortgage servicing, payday lending, and student loan servicing that were completed between April 2019 and August 2019. The report does not impose any new or different legal requirements, and all violations described in the report are based only on those specific facts and circumstances noted during those examinations.