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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.

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Category: To Congress |
Published

2020 Financial Literacy Annual Report

The 2020 Financial Literacy Annual Report of the Consumer Financial Protection Bureau details the Bureau’s financial literacy activities and strategy to improve the financial literacy of consumers. Overall, this report describes the Bureau’s efforts in a broad range of financial literacy areas relevant to consumers’ financial lives.

Category: To Congress |
Published

2019 Financial Literacy Annual Report

The 2019 Financial Literacy Annual Report of the Consumer Financial Protection Bureau details the Bureau's financial literacy activities and strategy to improve the financial literacy of consumers. Overall, this report describes the Bureau's efforts in a broad range of financial literacy areas relevant to consumers' financial lives.

Category: Consumer education and empowerment |
Published

Convening communities to build elder fraud prevention and response networks

This report describes the outcomes of the Bureau-initiated community convenings in Florida, Oklahoma, Tennessee, Montana, and Oregon. The purpose of the report is to share the learnings and achievements from the convenings to encourage the establishment of new or enhance existing networks and help communities improve coordination and collaboration between responders and service providers. 

Category: Consumer education and empowerment |
Published

Issue Brief: The costs and risks of using a reverse mortgage to delay collecting Social Security
Archived

This issue brief explores the tradeoffs of borrowing a reverse mortgage loan in order to delay claiming Social Security. It shows that, in general, the reverse mortgage loan costs exceed the additional increase in Social Security that homeowners would receive in their lifetime by delaying Social Security benefits.

Category: Consumer complaint |
Published

Snapshot of older consumers and student loan debt
Archived

The number of consumers age 60 and older with student loan debt has quadrupled over the last decade in the United States, and the average amount they owe has also dramatically increased. This Snapshot describes the increasing burden of student loan debt on older consumers, as well as the impact that the increased debt burden is having on older borrowers’ impacting financial security.

Category: Consumer education and empowerment | Category: To Congress |
Published

2016 Financial Literacy Annual Report
Archived

The 2016 Financial Literacy Annual Report is a statutorily mandated report to Congress on the Bureau’s activities and strategy to improve the financial capability and well-being of consumers.

Category: Consumer education and empowerment |
Published

Report and Recommendations: Fighting Elder Financial Exploitation through Community Networks
Archived

Hundreds of communities across the United States have created collaborative networks to protect their older residents.  This report highlights what elder financial exploitation prevention and response networks do, how they work, how they can work better, and how they can be established.

Category: Industry and markets |
Published

Recommendations and report for financial institutions on preventing and responding to elder financial exploitation
Archived

Banks and credit unions are uniquely positioned to detect elder financial exploitation and to take action. This advisory and report include best practices identified by the Consumer Financial Protection Bureau to help banks and credit unions protect older account holders.