2022 College Banking and Credit Card Agreements
The 2022 Consumer Financial Protection Bureau (CFPB) report on college banking, including credit card and deposit product agreements.
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.
Data point: Mortgage trends
This Bureau Data Point article describes 2020 mortgage market activity and trends using data reported under the Home Mortgage Disclosure Act (HMDA).
Data Point: Checking Account Overdraft at Financial Institutions Served by Core Processors
This report describes overdraft practices and outcomes at several thousand credit unions and banks in 2014 using data provided by core processors.
Data Point: Overdraft/NSF Fee Reliance Since 2015 – Evidence from Bank Call Reports
This report uses call report data to study the evolution of banks’ reliance on overdraft and non-sufficient fund fees since 2015.
Consumer voices on overdraft programs
This report shares findings from qualitative interviews with consumers about their experiences with overdraft programs and fees.
Supervisory Highlights: Summer 2017
In this issue of Supervisory Highlights, we report examination findings in the areas of auto finance lending; credit card account management; debt collection; deposits; mortgage servicing; mortgage origination; service providers; short-term, small-dollar lending; remittances; and fair lending. As in past editions, this report includes information about recent public enforcement actions that were a result, at least in part, of our supervisory work. The report also includes information on the Bureau’s use of its supervisory and enforcement authority, recently released examination procedures, and Bureau guidance.
CFPB data point: Frequent overdrafters
Our data point reports are prepared by our Office of Research to provide an evidence-based perspective on consumer financial markets, consumer behavior, and regulations to inform the public discourse.
Data point: Checking account overdraft
Our data point reports are prepared by our Office of Research to provide an evidence-based perspective on consumer financial markets, consumer behavior, and regulations to inform the public discourse.
The CFPB study of overdraft programs
On June 11, 2013, we released a report that raises concerns about the ability of consumers to anticipate and avoid overdraft costs on their checking accounts.