Consumer Protection Principles: Consumer-authorized financial data sharing and aggregation
These consumer protection principles are intended to help safeguard consumer interests as the consumer-authorized aggregation services market develops.
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).
Innovation highlights: Emerging student loan repayment assistance
This report spotlights the growing number of employer-based student loan repayment programs that can save eligible employees hundreds of thousands in loan principle and interests payments, but where barriers to innovation exist. This report also features a series of recommendations to help employers and other companies that manage benefits programs ensure that borrowers receive the maximum value.
Project Catalyst report: Promoting consumer-friendly innovation
This report provides an overview of Project Catalyst’s work to promote consumer-friendly innovation and highlights the importance of ensuring consumer protections are built into emerging products and services from the outset.
Tools for saving: Using prepaid accounts to set aside funds
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.