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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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To Congress
Published

Fair Debt Collection Practices Act CFPB Annual Report 2023

The Bureau’s annual report to Congress summarizes the Bureau’s activities to administer the Fair Debt Collection Practices Act (FDCPA) in 2022 as the primary federal regulator of the consumer debt collection industry. This report also includes activities conducted by the Federal Trade Commission (FTC) in 2022 in relation to debt collection.
Consumer complaint
Published

Office of Servicemember Affairs 2022 Annual Report

CFPB report highlighting consumer complaints received by the agency's Office of Servicemember Affairs. The report discusses issues related to digital payment apps also known as [person-to-person (P2P) payment platforms], and actions the agency has taken and the results it has achieved to protect the military community from financial harm.
Supervisory Highlights
Published

Supervisory Highlights, Issue 28, Fall 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.
Office of Research Publication
Published

Consumer Credit Trends Report: Paid and Low-Balance Medical Collections on Consumer Credit Reports

This is part of a series of reports of consumer credit trends produced by the Consumer Financial Protection Bureau using a longitudinal sample of approximately five million de-identified credit records from one of the three nationwide consumer reporting agencies.
Supervisory Highlights
Published

Supervisory Highlights, Issue 26, Spring 2022

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.
Industry and markets
Published

Medical debt burden in the United States

This report summarizes key areas of concern in medical debt collections and reporting. The report begins with a section describing the medical debt landscape. It then discusses the negative consequences of medical debt for consumers. Next, it outlines the impact of the COVID-19 pandemic on medical debt. The report concludes with a brief discussion of federal and state regulatory developments.
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.
Supervisory Highlights
Published

Supervisory Highlights, Issue 25, Fall 2021

This is the 25th edition of Supervisory Highlights. The findings included in this report cover examinations completed between January 2021 and June 2021 in the areas of credit card account management, debt collection, deposits, fair lending, mortgage servicing, payday lending, prepaid accounts, and remittance transfers.
Supervisory Highlights
Published

Supervisory Highlights, Issue 24, Summer 2021

This is the 24th edition of Supervisory Highlights. The findings included in this report cover examinations in the areas of auto servicing, consumer reporting, debt collection, deposits, fair lending, mortgage origination, mortgage servicing, payday lending, private education loan origination and student loan servicing that were completed between January 1, 2020 to December 31, 2020.
Supervisory Highlights
Published

Supervisory Highlights, COVID-19 Prioritized Assessments Special Edition (Issue 23)

This is a special edition of Supervisory Highlights that details the Bureau’s Prioritized Assessment (PA) work. PA observations are described in the areas of mortgage, auto and student loan servicing, credit card account management, consumer reporting-furnishing, debt collection, deposits, prepaid cards, and small business lending.
Office of Research Publication
Published

Quarterly Consumer Credit Trends: Recent trends in debt settlement and credit counseling

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 consumer reporting agency.