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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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Category: Consumer education and empowerment |
Published

Consumer voices on automobile financing

This report describes the findings of consumer focus groups and consumer complaint data about the challenges of navigating the auto financing process. We found that many consumers reported they did not shop around and negotiate as much for the financing as they did for the vehicle itself.  The complaint data showed that consumers faced challenges in understanding loan features during negotiations on financing.

Category: Consumer education and empowerment |
Published

Consumer voices on financial rules to live by

In focus groups with consumers, the CFPB learned that many consumers are aware of and interested in financial rules of thumb. However, many consumers also face difficulties in acting on these rules, and were interested in customizing rules for their own situations – what we call “financial rules to live by.”