Reports

Office of Research Publication

Published NOV 01, 2017

Quarterly consumer credit trends: Growth in longer-term auto loans

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 agency.

By Office of Research

Consumer education and empowerment

Published SEP 26, 2017

Financial well-being in America

This report presents the findings of a national survey that examined the financial well-being of U.S. adults. The report shows the distribution of financial well-being scores for the U.S. adult population and for selected subgroups.

Office of Research Publication

Published AUG 16, 2017

CFPB data point: Student loan repayment

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.

By Office of Research

Office of Research Publication

Published AUG 04, 2017

CFPB data point: Frequent overdrafters

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.

By Office of Research

Office of Research Publication

Published JUN 07, 2017

CFPB data point: Becoming credit visible

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.

By Office of Research

Consumer education and empowerment

Published MAY 26, 2017

CFPB Financial Well-Being Scale: Scale development technical report

This technical report describes the development and scoring procedures of the CFPB Financial Well-Being Scale.

Office of Research Publication

Published JAN 12, 2017

Consumer Experiences With Debt Collection: Findings From the CFPB’s Survey on Consumer Views on Debt

This report presents the results of the Survey of Consumer Views on Debt, which was conducted by the CFPB between December 2014 and March 2015 to better...

By Office of Research

Consumer education and empowerment

Published OCT 20, 2016

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.

Industry and markets

Published OCT 05, 2016

Final Report of Findings: Post-Proposal Testing of Prepaid Card Disclosures

This report summarizes the findings of the Bureau’s post-proposal consumer testing of pre-acquisition disclosure forms for prepaid accounts.

Office of Research Publication

Published SEP 29, 2016

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...

By Office of Research

Office of Research Publication

Published JUL 28, 2016

Study of third-party debt collection operations

This study describes results of a survey of debt collection firms and vendors to the debt collection industry that the Bureau conducted to better understand...

By Office of Research

Office of Research Publication

Published JUN 02, 2016

Supplemental findings on payday, payday installment, and vehicle title loans, and deposit advance products

This report provides a variety of analyses on payday loans, payday installment loans, vehicle title loans, and deposit advance products.

By Office of Research

To Congress

Published APR 28, 2016

Fair Lending Report 2015

We are committed to ensuring fair access to credit and eliminating discriminatory lending practices. This report describes our fair lending activities in...

Industry and markets

Published APR 26, 2016

Testing of Bankruptcy Periodic Statement Forms for Mortgage Servicing

This report summarizes the findings related to the Bureau’s consumer testing of sample periodic statement forms for consumers in bankruptcy.

Consumer education and empowerment

Published DEC 10, 2015

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...

Office of Research Publication

Published MAY 05, 2015

Data point: Credit invisibles

Our data point reports are prepared by our Office of Research to provide an evidence-based perspective on consumer financial markets, consumer behavior, and...

By Office of Research

Industry and markets

Published MAR 10, 2015

Arbitration Study: Report to Congress 2015

The Dodd-Frank Wall Street Reform and Consumer Protection Act requires that we study arbitration agreements and provide a report to Congress of our findings.

Consumer education and empowerment

Published JAN 27, 2015

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.

Industry and markets

Published NOV 13, 2014

Study of Prepaid Account Agreements

To better understand the features and consumer protections currently provided by prepaid products, we studied publicly available account agreements for...

Industry and markets

Published NOV 13, 2014

Summary of Findings: Design and Testing of Prepaid Card Fee Disclosures

This report summarizes the findings of the Bureau’s pre-proposal consumer testing of pre-acquisition disclosure forms for prepaid accounts.

Office of Research Publication

Published MAR 25, 2014

CFPB data point: Payday lending

Our data point reports are prepared by our Office of Research to provide an evidence-based perspective on consumer financial markets, consumer behavior, and...

By Office of Research

Consumer education and empowerment

Published JAN 24, 2014

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...

Office of Research Publication

Published NOV 22, 2013

Understanding the effects of certain deposit regulations on financial institutions’ operations

Consumer financial markets do not always operate efficiently and fairly.

By Office of Research

Data point: Mortgage trends