Reports

This report summarizes strategies for promoting diversity and inclusion used by mortgage industry participants as discussed at the Bureau’s initial roundtable. It highlights the business case for diversity along with current approaches and practices used in the mortgage industry, such as establishing buy-in from top leadership, integrating principles of inclusion in recruiting and hiring, and the importance of data in assessing the impact of diversity on keeping organizations competitive. The report is the result of the CFPB’s collaboration with the financial services industry to raise awareness of the importance of strengthening diversity and inclusion within organizations.

This report provides an introduction to the online marketplace for charged-off debt. 

This report provides an overview of Project Catalyst’s work to promote consumer-friendly innovation and highlights the importance of ensuring consumer protections are built into emerging products and services from the outset.

This report summarizes the findings of the Bureau’s post-proposal consumer testing of pre-acquisition disclosure forms for prepaid accounts.

This report summarizes the findings related to the Bureau’s consumer testing of sample periodic statement forms for consumers in bankruptcy.

Banks and credit unions are uniquely positioned to detect elder financial exploitation and to take action. This advisory and report include best practices identified by the Consumer Financial Protection Bureau to help banks and credit unions protect older account holders.

The Credit Card Accountability, Responsibility and Disclosure Act (“CARD Act”) requires us to submit to Congress, and to make available to the public, an annual report that lists information submitted to the Bureau concerning agreements between credit card issuers and institutions of higher education or certain organizations affiliated with such institutions.

Every two years, the CFPB reports on the state of the consumer credit card market. This is our report for 2015.

This report reviews and discusses public comments submitted in response to a Request for Information Regarding Student Loan Servicing published in the Federal Register in May 2015 (Docket ID: CFPB-2015-0021).

As part of the our broader efforts to improve the mortgage process for consumers, we took a close look at one important part of a mortgage transaction: the closing process.

Faster payment systems hold great promise for consumers. But to be safe, transparent, accessible, and efficient, faster payment systems must keep consumer protection concerns in mind.

Ads for reverse mortgages are found on television, radio, in print, and on the internet, and many ads feature celebrity spokespeople discussing the benefits of reverse mortgages without mentioning risks.

The Dodd-Frank Wall Street Reform and Consumer Protection Act requires that we study arbitration agreements and provide a report to Congress of our findings.

The Credit Card Accountability, Responsibility and Disclosure Act (“CARD Act”) requires us to submit to Congress, and to make available to the public, an annual report that lists information submitted to the Bureau concerning agreements between credit card issuers and institutions of higher education or certain organizations affiliated with such institutions.

Roughly half of all collections tradelines that appear on credit reports are reported by debt collectors seeking to collect on medical bills claimed to be owed to hospitals and other medical providers.

To better understand the features and consumer protections currently provided by prepaid products, we studied publicly available account agreements for prepaid products.

This report summarizes the findings of the Bureau’s pre-proposal consumer testing of pre-acquisition disclosure forms for prepaid accounts.

We ensure that lenders are complying with fair lending laws and are addressing discrimination across the consumer credit industry.

Older homeowners are carrying more mortgage debt than ever before.

Buying a home is one of the biggest financial decisions most people will make in their lifetimes, but navigating the closing process can be a challenge.

This report to Congress is based on the information and agreements submitted to the CFPB by credit card issuers.

In section 1028(a) of the Dodd-Frank Act, Congress instructed us to study the use of pre-dispute arbitration contract provisions in connection with the offering or providing of consumer financial products or services.

On Oct 1, 2013, we released a report detailing how the Credit Card Accountability Responsibility and Disclosure Act of 2009 (CARD Act) reduced penalty fees and made the cost of credit cards clearer to consumers.

We estimate that more than 25 percent of the U.S. labor force works in public service.

On June 11, 2013, we released a report that raises concerns about the ability of consumers to anticipate and avoid overdraft costs on their checking accounts.