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.
This Bureau Data Point article describes 2020 mortgage market activity and trends using data reported under the Home Mortgage Disclosure Act (HMDA).
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, several banks have announced changes to their overdraft programs that have been expected to result in reductions in overdraft/non-sufficient fund (NSF) fee revenue.
The 2022 Consumer Financial Protection Bureau (CFPB) report on college banking, including credit card and deposit product agreements.
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 report shares findings from qualitative interviews with consumers about their experiences with overdraft programs and fees.
These consumer protection principles are intended to help safeguard consumer interests as the consumer-authorized aggregation services market develops.
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.
Faster payment systems hold great promise for consumers. But to be safe, transparent, accessible, and efficient, faster payment systems must keep consumer protection concerns in mind.
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.
