Research and reports

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.

The CFPB released the results of a Project Catalyst research project finding that offering a small incentive to prepaid card users to put some of their money into a savings wallet doubled uptake of the wallet. The study also found that the consumers who chose to save using the wallet continued to save after the pilot ended.

This report provides a variety of analyses on payday loans, payday installment loans, vehicle title loans, and deposit advance products. 

This report examines consumer usage, default and rates of vehicle seizure for single-payment auto title loans, with a detailed look at the extent to which these loans are reborrowed

This report provides detailed analyses on the payment practices of online lenders making high-cost, short-term loans online, with an emphasis on outcomes after payment requests fail.