Reports

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.

Quarterly consumer credit trends reports focus on a specific consumer financial product or issue using a longitudinal, nationally-representative sample of de-identified credit records maintained by a nationwide credit reporting company.

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 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.

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.

The CFPB's Office of Consumer Response hears directly from consumers about the challenges they face in the marketplace, brings their concerns to the...

Rules-based educational messages are low-cost and scalable, and can be effective. Exposure to a guideline reminding consumers to be cognizant of credit card...

This report describes CFPB research on approaches to helping consumers manage their spending, such as approaches that would give consumers real-time...

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.

The CFPB's Office of Consumer Response hears directly from consumers about the challenges they face in the marketplace, brings their concerns to the...

The Credit Card Accountability, Responsibility and Disclosure Act ("CARD Act") requires us to submit to Congress, and to make available to the public, an...

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...

The Credit Card Accountability, Responsibility and Disclosure Act ("CARD Act") requires us to submit to Congress, and to make available to the public, an...

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

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...

We began accepting consumer complaints on July 21, 2011 and we now accept complaints related to credit cards, mortgages, bank accounts and services, private...

On July 21, 2011, the Bureau began consumer response operations as the nation's first federal agency specifically mandated to protect American consumers in...

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

The CFPB was created when Congress passed and President Obama signed into law the Dodd-Frank Wall Street Reform and Consumer Protection Act.

The data from the eight presentations at the CARD Act conference provide an overview of the credit card market – the cost of credit for consumers, the...