A guide for advancing K-12 financial education
Financial education in grades K-12 can reach consumers at a pivotal point. This resource guide connects community and education leaders with information...
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.
Data point: Mortgage trends
This Bureau Data Point article describes 2020 mortgage market activity and trends using data reported under the Home Mortgage Disclosure Act (HMDA).
The power of light-touch financial education: A demonstration with credit card revolvers
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...
Consumer insights on managing spending
This report describes CFPB research on approaches to helping consumers manage their spending, such as approaches that would give consumers real-time...
Personal finance teaching pedagogy
The CFPB researched the childhood origins of financial capability and well-being to identify those roots and to find promising practices and strategies to...
2016 Financial Literacy Annual Report
The 2016 Financial Literacy Annual Report is a statutorily mandated report to Congress on the Bureau's activities and strategy to improve the financial...
Financial Coaching: A Strategy to Improve Financial Well-Being
These two reports summarize the findings of a
rigorous evaluation of financial coaching and discuss the implications for
financial education practitioners.
Building Blocks to Help Youth Achieve Financial Capability: A new model and recommendations
We've released a new report on our findings for how young people can acquire three building blocks of financial capability which include: executive...
Report and Recommendations: Fighting Elder Financial Exploitation through Community Networks
Hundreds of communities across the United States have created collaborative networks to protect their older residents. This report highlights what elder...
Financial education programs serving immigrant populations
The CFPB issued this report to raise visibility about the financial education challenges that many immigrants face and to highlight promising approaches to...
Consumer voices on automobile financing
This report describes the findings of consumer focus groups and consumer complaint data about the challenges of navigating the auto financing process. We...
Consumer voices on financial rules to live by
In focus groups with consumers, the CFPB learned that many consumers are aware of and interested in financial rules of thumb. However, many consumers also...
Measuring financial well-being: A guide to using the CFPB Financial Well-Being Scale
Following a rigorous research effort to develop a consumer-driven definition of financial well-being, the CFPB developed and tested a set of questions–a...
Issue Brief: Social Security claiming age and retirement security
Annually more than 2 million consumers make one of the most important financial decisions of their lives: choosing when to begin collecting Social Security...
Mobile financial services: A summary of comments from the public on opportunities, challenges, and risks for the underserved
The CFPB's Office of Financial Empowerment issued a Request for Information (RFI) to find out more about mobile financial services and how low-income and...
Youth Financial Education Curriculum Review Tool
The CFPB is pleased to offer the Youth Financial Education Curriculum Review Tool, a resource that educators can use when selecting and updating financial...
Increasing saving at tax time and promising practices for the field
The CPFB has identified ten promising practices that may help tax preparation programs be more successful at informing consumers about their saving options.
Advancing K-12 financial education: A guide for policymakers
Integrating financial education throughout the K-12 experience represents a promising opportunity to reach consumers at a pivotal point in their development...
Consumer voices on credit reports and scores
To better understand consumers' perspectives on their credit reports and scores, we conducted focus groups with consumers from diverse backgrounds across...
Financial well-being: The goal of financial education
A growing consensus is emerging that the ultimate measure of success for financial literacy efforts should be improvement in individual financial well-being.
Consumers’ Mortgage Shopping Experience
We aim to help consumers become better and more informed mortgage shoppers.
Financial wellness at work
In the wake of the recession, many employers have seen how financial distress reduces worker productivity, increases absenteeism, and undermines employees'...
Building financial capability in youth employment programs
Youth employment programs present a promising opportunity for helping disadvantaged youth acquire the financial knowledge, skills, and access to resources...
2014 Financial literacy annual report
Empowering people to take more control over their economic lives is essential to our mission.
Rigorous evaluation of financial capability strategies: Why, when, and how
This report presents insights that can be helpful to researchers, practitioners, and funders undertaking or contemplating rigorous research into the...
Navigating the market
To understand the wide range of information sources consumers could be exposed to in making financial decisions, we commissioned a study of the size and...