Reports

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

This report explores both the significant consumer impact of and industry reliance on credit card late fees.

Every two years, the CFPB reports on the state of the consumer credit card market. Our report for 2021 covers how consumers use cards, the price they pay for using them, the availability of credit cards, the practices used by credit card companies and debt collectors, and innovation in the market.

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

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

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

This Report provides the information required to be reported by provisions of the Truth in Lending Act (TILA), the Electronic Fund Transfer Act (EFTA), and the Credit Card Accountability Responsibility and Disclosure Act (CARD Act) for the periods January 1, 2016–December 31, 2016, and January 1, 2017–December 31, 2017.

Every two years, the CFPB reports on the state of the consumer credit card market. This is our report for 2019.

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

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.

Every two years, the CFPB reports on the state of the consumer credit card market. This is our report for 2017.

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.

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.

Every two years, the CFPB reports on the state of the consumer credit card market. This is our report for 2015.

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.

This report to Congress is based on the information and agreements submitted to the CFPB by credit card issuers.

On Oct 1, 2013, we released a report detailing how the Credit Card Accountability Responsibility and Disclosure Act of 2009 (CARD Act) reduced penalty fees and made the cost of credit cards clearer to consumers.

This report to Congress is based on the information and agreements submitted to the CFPB by credit card issuers.

The data from the eight presentations at the CARD Act conference provide an overview of the credit card market – the cost of credit for consumers, the supply of and demand for credit, and industry profitability. The CFPB also released data on the day of the CARD Act conference that focused on the ways that specific industry practices addressed in the Act – such as interest rate hikes and overlimit and late fees – have changed and impacted the consumer credit card experience.