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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.

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Data spotlight
Published

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
Published

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.