This Report provides the information required to be reported by provisions of the Truth in Lending Act (TILA), the Electronic Fund Transfer Act (EFTA), and the Credit Card Accountability Responsibility and Disclosure Act (CARD Act) for the periods January 1, 2016–December 31, 2016, and January 1, 2017–December 31, 2017.
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).
The Bureau of Consumer Financial Protection released the findings of its assessment of the Remittance Rule. The report describes the Rule, the market, and the Bureau’s findings on the Rule’s effectiveness in meeting factors outlined in the Dodd-Frank Act.
These consumer protection principles are intended to help safeguard consumer interests as the consumer-authorized aggregation services market develops.
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.
This report summarizes the findings of the Bureau’s post-proposal consumer testing of pre-acquisition disclosure forms for prepaid accounts.
Faster payment systems hold great promise for consumers. But to be safe, transparent, accessible, and efficient, faster payment systems must keep consumer protection concerns in mind.
This report summarizes the findings of the Bureau’s pre-proposal consumer testing of pre-acquisition disclosure forms for prepaid accounts.