The CFPB study of overdraft programs
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.
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).
Student loan affordability
This report analyzes and discusses public comments submitted in response to a Request for Information Regarding an Initiative to Promote Student Loan Affordability published in the Federal Register in February 2013 (Docket ID: CFPB-2013-004).
White paper on payday loans and deposit advance products
During the past year, the Consumer Financial Protection Bureau (CFPB) has engaged in an indepth review of short-term small dollar loans, specifically payday loans extended by nondepository institutions and deposit advance products offered by a small, but growing, number of depository institutions to their deposit account customers.
2012 College credit card agreements
This report to Congress is based on the information and agreements submitted to the CFPB by credit card issuers.
Key Dimensions and Processes in the U.S. Credit Reporting System: A review of how the nation’s largest credit bureaus manage consumer data
This paper describes the credit reporting infrastructure at the three largest nationwide consumer reporting agencies (NCRAs) – Equifax Information Services LLC (Equifax), TransUnion LLC (TransUnion), and Experian Information Solutions Inc. (Experian) – with a special focus on the infrastructure and processes currently used by the NCRAs to collect, compile, and report information about consumers in the form of credit reports.
Final Report of the Small Business Review Panel on CFPB’s Proposals Under Consideration for Mortgage Servicing Rulemaking
This Small Business Review Panel Report addresses the CFPB’s upcoming proposal concerning the mortgage servicing rulemaking.
Reverse Mortgages Report
Congress directed the Consumer Financial Protection Bureau to conduct a study on reverse mortgages as part of the Dodd-Frank Wall Street Reform and Consumer Protection Act.
Report on remittance transfers
Each year, consumers in the United States send tens of billions of dollars to family members, friends, businesses, and others abroad.
CARD Act Conference: Key findings
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 supply of and demand for credit, and industry profitability. The CFPB also released data on the day of the CARD Act conference that focused on the ways that specific industry practices addressed in the Act – such as interest rate hikes and overlimit and late fees – have changed and impacted the consumer credit card experience.