2019 Bureau of Consumer Financial Protection (CFPB/BCFP) report on college credit card agreements.
Research and 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.
Suspicious Activity Reports on Elder Financial Exploitation
This study analyzes a rich, non-public data set to shed light on the volume and characteristics of elder financial abuse.
In this issue of Supervisory Highlights, we report examination findings in the areas of automobile loan origination, credit card account management, debt collection, furnishing, and mortgage origination that were generally completed between December 2018 and March 2019 (unless otherwise stated). The report does not impose any new or different legal requirements, and all violations described in the report are based only on those specific facts and circumstances noted during those examinations.
Every two years, the CFPB reports on the state of the consumer credit card market. This is our report for 2019.
This eleventh data point examines how often credit card balances are revolved on an account, or borrowed, how long balances are revolved, and how regularly they are paid down.
The Bureau’s annual report on college credit card agreements, pursuant to the CARD Act.
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.
Quarterly consumer credit trends reports focus on a specific consumer financial product or issue using a longitudinal, nationally-representative sample of de-identified credit records maintained by a nationwide credit reporting company.
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.
In this issue of Supervisory Highlights, we report examination findings in the areas of auto finance lending; credit card account management; debt collection; deposits; mortgage servicing; mortgage origination; service providers; short-term, small-dollar lending; remittances; and fair lending. As in past editions, this report includes information about recent public enforcement actions that were a result, at least in part, of our supervisory work. The report also includes information on the Bureau’s use of its supervisory and enforcement authority, recently released examination procedures, and Bureau guidance.