Reports

In this report, we investigate the extent to which borrowers of cash-out refinance mortgages pay down non-mortgage debts with extracted equity using an event study around the refinance event.

Pursuant to the CARD Act, the CFPB’s College Banking and Credit Card Agreements report monitors financial products offered through colleges, specifically deposit and prepaid accounts and credit cards.

Retail credit cards, which tend to be more accessible to consumers with lower credit scores, can pose heightened risk for consumer harm.

Credit card cash advance fees and interest rise as online sports betting grows.

The annual Making Ends Meet survey report highlights new trends in household financial stability.

Latest credit card data from the CFPB shows that the 25 largest financial institutions offered consumers higher interest rates than smaller banks and credit unions in first half of 2023.

2023 Consumer Financial Protection Bureau (CFPB) report on college banking, including credit card and deposit product agreements.

The annual Making Ends Meet survey report highlights new trends in household financial stability.

Every two years, the CFPB reports on the state of the consumer credit card market. Our report for 2023 covers the use, cost, and availability of credit cards.

This report highlights some of the risks to consumers of using financing products such as medical credit cards and installment loans (including deferred interest healthcare credit cards) to pay for medical procedures and services.

Rewards programs that promise consumers financial incentives for spending are a central feature of most consumer credit cards and dominate many issuers’ marketing efforts.

The annual Making Ends Meet survey report shows how consumers’ finances changed from 2021 to 2022.

This is the 28th edition of Supervisory Highlights. The findings in this report cover examinations in the areas of auto servicing, consumer reporting, credit card account management, debt collection, deposits, mortgage origination, mortgage servicing and payday lending completed between January 1, 2022, and June 31, 2022.

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

Report on the Buy Now, Pay Later (BNPL) industry in the United States, focusing on consumer and marketplace impacts.

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 consumer credit trends report explores credit card line decreases and changes in consumer credit characteristics.

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.

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

New analysis in our Making Ends Meet series shows consumers’ finances improved during the pandemic as pandemic policies protected consumers.

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

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.

A new analysis in our Making Ends Meet survey series looks at how consumers use payday, auto title, and pawn loans.

The Office of Research released a research brief summarizing the results of an online experiment exploring how the amount of available savings may influence decisions about using savings to pay down credit card debt.