Skip to main content

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.

Date range
Clear filters
60 filtered results
Category: 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.

Category: To Congress |
Published

Fair Debt Collection Practices Act Annual Report 2022

The Bureau’s annual report to Congress summarizes the Bureau’s activities to administer the Fair Debt Collection Practices Act (FDCPA) in 2021 as the primary federal regulator of the consumer debt collection industry. This report also includes activities conducted by the Federal Trade Commission (FTC) in 2021 in relation to debt collection.

Category: 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.

Category: 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.

Category: 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.

Category: 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.

Category: 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.

The report does not impose any new or different legal requirements, and all observations described in the report are based only on those specific facts and circumstances noted during those PAs.

Category: Supervisory Highlights |
Published

Supervisory Highlights, Issue No. 22 (Summer 2020)

In this edition of Supervisory Highlights, we report examination findings in the areas of consumer reporting, debt collection, deposits, fair lending, mortgage servicing and payday lending. 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.

Category: Industry and markets |
Published

Quantitative Survey Testing of Model Disclosure Clauses and Forms for Debt Collection: Methodology Report

In September 2019, the CFPB engaged ICF International, Inc., to launch a large-scale online survey experiment designed to test several versions of disclosures to support understanding of time-barred debt and revival. ICF produced this report describing the methodology of this survey experiment, including sampling, response rates, and question development.

Category: Supervisory Highlights |
Published

Supervisory Highlights, Issue No. 21 (Winter 2020)

In this issue of Supervisory Highlights, we report examination findings in the areas of debt collection, mortgage servicing, payday lending, and student loan servicing that were completed between April 2019 and August 2019. 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.

Category: Supervisory Highlights |
Published

Supervisory Highlights Consumer Reporting Special Edition, Issue No. 20 (Fall 2019)

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. 

Category: Supervisory Highlights |
Published

Supervisory Highlights, Issue No. 19 (Summer 2019)

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.