Reports

This issue spotlight is part of the CFPB’s broader effort to monitor the rapidly evolving consumer payments industry, including the expansion of Big Tech companies into this sphere.

This issue spotlight describes the risks workers and consumers face when they become indebted to the employer or the employer’s affiliate as a condition of employment.

The Bureau is committed to ensuring fair, equitable, and nondiscriminatory access to credit for both individuals, small businesses, and communities. This report describes our fair lending activities in enforcement and supervision; guidance and rulemaking; interagency coordination; and outreach and education for calendar year 2022.

This report provides a broad look at consumer financial profiles in eight states in the southern region of the U.S., including credit scores, financial distress, medical collections, and other debt categories.

This report analyzes banking and credit access across eight states in the southern region of the U.S, particularly branch presence and bank account access, and capital access such as mortgage lending.

CFPB report highlighting consumer complaints received by the agency's Office of Servicemember Affairs. The report discusses issues related to digital payment apps also known as [person-to-person (P2P) payment platforms], and actions the agency has taken and the results it has achieved to protect the military community from financial harm.

The Consumer Financial Protection Bureau is pleased to present our Semi-Annual Report to Congress for the period beginning April 1, 2022 and ending September 30, 2022.

College tuition payment plans are widely used loans that can be a good option for students, yet present significant risks for consumers, and regulators may want to consider paying more attention to them.

Many financial institutions are using advanced technologies to deploy customer service chatbots. Poorly designed chatbots can lead to customer frustration, reduced trust, and even violations under the law.

Payment apps that allow consumers and businesses to quickly send and send money also often provide the ability for users to store those funds. Funds stored on these platforms often lack deposit insurance coverage and are at risk of loss in the event of financial distress or failure of the entity operating the payment platform.

Medical billing practices can leave people 65 and older with inaccurate bills and attempts to collect amounts they do not owe.

Overdraft/NSF revenue for the fourth quarter of 2022 alone was approximately $1.5 billion lower than in the fourth quarter of 2019 – a decrease of 48% compared to before the pandemic, suggesting an annual reduction of over $5.5 billion going forward. This decrease suggests average annual savings of more than $150 per household that incurs overdraft or NSF fees; many households have saved much more.

Since late 2021, CFPB has been closely monitoring trends in overdraft/non-sufficient fund (NSF) fee revenue and practices. This page provides CFPB's latest data and analysis as well as a record of previous reports and data.

The Consumer Financial Protection Bureau has published summary of focus groups and interviews with low- and moderate-income consumers about their experiences with overdraft programs.

This report highlights some of the risks to consumers of using financing products such as medical credit cards and installment loans (including deferred interest healthcare credit cards) to pay for medical procedures and services.

This report documents research findings on the impact of PACE financing on consumer financial outcomes from 2014 through 2020.

We study removals of medical collections from credit reports that occurred between 2012-2020 and find associated increases in credit score and credit availability.

The FY 2022 OMWI annual report to Congress provides detailed information about the diversity and inclusion work of the Consumer Financial Protection Bureau from Oct. 1, 2021 through Sept. 30, 2022.

This staff report provides a window into the financial circumstances faced by customers of Southern Bancorp Bank, a CDFI that serves some of the most economically underserved areas in the United States.

This annual report analyzes complaints submitted by consumers to the CFPB between January and December 2022.

This report describes the CFPB’s methodology for estimating how many banks will be required to report under the small business lending rule and for producing market-level estimates of associated costs.

This report summarizes the results of several rounds of qualitative message and user testing research related to the small business lending rule’s sample data collection form.

The FY 2022 No FEAR Act annual report for the Consumer Financial Protection Bureau (CFPB). Formal EEO complaint activity for the CFPB.

The FY 2022 Equal Employment Opportunity status report known as Management Directive 715 (MD-715) for the Consumer Financial Protection Bureau (CFPB).

The 2022 Financial Literacy Annual Report of the Consumer Financial Protection Bureau (CFPB) is required under Section 1013 of the Dodd-Frank Wall Street Reform and Consumer Protection Act.