Reports

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.

This is the 29th edition of Supervisory Highlights. The findings in this report cover examinations involving fees in the areas of deposits, auto servicing, mortgage servicing, payday and small dollar lending, and student loan servicing completed between July 1, 2022, and February 1, 2023.

The annual Making Ends Meet survey report shows how consumers’ finances changed from 2021 to 2022. After increasing during the pandemic, financial health declined from 2021 to 2022 across several measures. The finances of Hispanic consumers and consumers under age 40 deteriorated rapidly between 2021 and 2022.

This report is required by statute. It covers the student lending market, complaints, challenges for consumers, and makes recommendations to policy makers.

The 2022 Consumer Financial Protection Bureau (CFPB) report on college banking, including credit card and deposit product agreements.

This report focuses on the consumer finances of rural Appalachians, and is the first in a series of reports focusing on the finances of rural consumers.

This is the 26th edition of Supervisory Highlights. The findings included in this report cover examinations completed between July 2021 and December 2021 in the areas of auto servicing, consumer reporting, credit card account management, debt collection, deposits, mortgage origination, prepaid accounts, remittances, and student loan servicing.

New analysis of student loan borrowers to identify groups of borrowers who may encounter difficulties when the CARES Act federal payment suspension ends.

The 2021 Financial Literacy Annual Report details the CFPB’s financial literacy strategy and activities to improve the financial literacy of consumers. Overall, this report describes the CFPB’s efforts in a broad range of financial literacy areas relevant to consumers’ financial lives.

This report outlines challenges faced by justice-involved people and their families in navigating their finances at each stage of the criminal justice system.

This Consumer Credit Trends report describes patterns in dispute flags that appear on consumers’ credit reports.

The 2021 Annual Report of the CFPB Education Loan Ombudsman reviews student loan complaints, the student loan and education ecosystems, the return to repayment, and servicing transfers.

A new analysis investigating the financial conditions of renters and homeowners before and during the COVID-19 pandemic.

2021 Bureau of Consumer Financial Protection (CFPB) report on college credit card agreements.

The 2020 Financial Literacy Annual Report of the Consumer Financial Protection Bureau details the Bureau’s financial literacy activities and strategy to improve the financial literacy of consumers. Overall, this report describes the Bureau’s efforts in a broad range of financial literacy areas relevant to consumers’ financial lives.

2020 Bureau of Consumer Financial Protection (CFPB/BCFP) report on college credit card agreements.

This second COVID-19 Special Issue Brief describes trends in delinquency rates, payment assistance, credit access, and account balance measures with a focus on the period since the start of the COVID-19 pandemic.

In this issue of Supervisory Highlights, we report examination findings in the areas of debt collection, mortgage servicing, payday lending, and student loan servicing that were completed between April 2019 and August 2019. The report does not impose any new or different legal requirements, and all violations described in the report are based only on those specific facts and circumstances noted during those examinations.

2019 Bureau of Consumer Financial Protection (CFPB/BCFP) report on college credit card agreements.

The 2019 Financial Literacy Annual Report of the Consumer Financial Protection Bureau details the Bureau's financial literacy activities and strategy to improve the financial literacy of consumers. Overall, this report describes the Bureau's efforts in a broad range of financial literacy areas relevant to consumers' financial lives.

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.

The 2019 annual report of the CFPB Private Education Loan Ombudsman covers two years of data, discusses the importance of complaint analysis, and addresses unscrupulous student loan debt relief companies.    

The Bureau’s annual report on college credit card agreements, pursuant to the CARD Act.

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. 

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.