Research and reports

In this special issue of Supervisory Highlights, we report examination findings in the areas of consumer reporting and furnishing of information to consumer reporting companies, pursuant to the Fair Credit Reporting Act and Regulation V. 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. 

The 2019 annual report of the CFPB Private Education Loan Ombudsman covers two years of data, discusses the importance of complaint analysis, and addresses unscrupulous student loan debt relief companies.    

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 report provides a brief overview of third-party debt collections tradelines. It compares tradelines from debt buyers to those from other debt collectors.

The Bureau, along with its partners at the Federal Trade Commission, is pleased to submit to Congress its annual report summarizing their 2018 activities to administer the Fair Debt Collection Practices Act (“FDCPA”).

One of the primary functions of the Bureau of Consumer Financial Protection (Bureau) is collecting, investigating, and responding to consumer complaints. The Bureau’s Office of Consumer Response hears directly from consumers about the challenges they face in the marketplace, brings their concerns to the attention of companies, and assists in addressing their complaints. 

Consumers typically pay for telecommunications services monthly, but most providers do not report to consumer reporting agencies unless an account is in collections. In this report, we explore how these debts are reported.

This Complaint Snapshot provides a high-level overview of trends in consumer complaints and supplements the Consumer Response Annual Report with more recent information about monthly changes in complaint volume and a spotlight on debt collection.

The Bureau, along with its partners at the Federal Trade Commission, is pleased to submit to Congress its seventh annual report summarizing their 2017 activities to administer the Fair Debt Collection Practices Act (“FDCPA”).