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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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Published
Category: Industry and markets | Category: Consumer education and empowerment

Tools for saving: Using prepaid accounts to set aside funds

The CFPB released the results of a Project Catalyst research project finding that offering a small incentive to prepaid card users to put some of their money into a savings wallet doubled uptake of the wallet. The study also found that the consumers who chose to save using the wallet continued to save after the pilot ended.

Published
Category: Industry and markets

Online Payday Loan Payments

This report provides detailed analyses on the payment practices of online lenders making high-cost, short-term loans online, with an emphasis on outcomes after payment requests fail.

Published
Category: Industry and markets

Recommendations and report for financial institutions on preventing and responding to elder financial exploitation

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.

Published
Category: Industry and markets

2015 College credit card agreements

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.