Reports

In this report, the CFPB analyzed loan-level information from six lenders and found that servicemembers experience increased financial risks at many points in auto lending compared to non-servicemembers.

Buy Now, Pay Later (BNPL) loans have grown rapidly in the United States (U.S.) since 2019. This study overcomes this data gap by using a matched sample of BNPL applications and originations for pay-in-four loans from six large BNPL firms (Affirm, Afterpay, Klarna, PayPal, Sezzle, and Zip) with their corresponding de-identified credit records.

Pursuant to the CARD Act, the CFPB’s College Banking and Credit Card Agreements report monitors financial products offered through colleges, specifically deposit and prepaid accounts and credit cards.

New state laws give consumers the right to access, correct, and delete consumer data, but exempt financial institutions and credit reports from these protections.

This data spotlight covers developments in the paycheck advance market, covering products also referred to as wage advance programs, small loans, earned wage access, earned wage advances, early wage access, on demand pay, and income-based advances.

This issue spotlight describes the health savings account (HSA) market, including the complex costs and fees that many consumers with HSAs are forced to pay.

Many financial institutions are using advanced technologies to deploy customer service chatbots. Poorly designed chatbots can lead to customer frustration, reduced trust, and even violations under the law.

This report highlights some of the risks to consumers of using financing products such as medical credit cards and installment loans (including deferred interest healthcare credit cards) to pay for medical procedures and services.

This Issue Spotlight examines challenges faced and consumer complaints made by those who receive public benefits when getting the funds through financial products or services.

This report outlines challenges faced by justice-involved people and their families in navigating their finances at each stage of the criminal justice system.

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 Bureau held a forum on child savings accounts. We produced a report on the forum so that you can learn more about how states and communities are offering opportunities for families to save for post-secondary education.

The purpose of this report is to raise awareness about the issues that limited English proficient consumers face when participating in the financial marketplace.

These consumer protection principles are intended to help safeguard consumer interests as the consumer-authorized aggregation services market develops.

The CFPB has identified ten promising practices for tax assistance providers to help people save when filing their taxes.

In this issue of Supervisory Highlights, we share findings from recent supervisory examination observations in consumer reporting. These observations...

The CFPB's Office of Consumer Response hears directly from consumers about the challenges they face in the marketplace, brings their concerns to the...