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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.

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Data spotlight

Overdraft/NSF Revenue in 2023 down more than 50% versus pre-pandemic levels, saving consumers over $6 billion annually

Overdraft/NSF revenue for the full year of 2023 was approximately $6.1 billion lower than before the pandemic, and 24% lower than in 2022. However, quarterly overdraft/NSF fees were flat throughout 2023, suggesting most of the year-over-year reduction reflects the impact of changes in policy enacted in 2022.
Data spotlight

Overdraft/NSF Revenue in Q4 2022 down nearly 50% versus pre-pandemic levels

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.
Consumer education and empowerment

Justice-Involved Individuals and the Consumer Financial Marketplace

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