2019 College credit card agreements
2019 Bureau of Consumer Financial Protection (CFPB/BCFP) report on college credit card 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.
Suspicious Activity Reports on Elder Financial Exploitation
This study analyzes a rich, non-public data set to shed light on the volume and characteristics of elder financial abuse.
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.
Quarterly Consumer Credit Trends: Public records, credit scores, and credit performance
Quarterly consumer credit trends reports focus on a specific consumer financial product or issue using a longitudinal, nationally representative sample of de-identified credit records maintained by a nationwide consumer reporting agency.
Data Point: Borrower Experiences on Income-Driven Repayment
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: Servicer Size in the Mortgage Market
This fourteenth data point compares borrower characteristics at mortgage servicers of different sizes and explores the role servicers of each size play in the mortgage market.
Program for International Student Assessment (PISA): Financial Literacy Brief
This research brief is intended to help stakeholders understand how the 2015 Program for International Student Assessment (PISA) financial literacy data about the U.S. may be used to identify effective approaches to financial education and better define the metrics for success.
Market Snapshot: Background Screening Reports
This report describes the background screening industry and developments in the market. While background screening reports can include various types of information and be used for several purposes, this paper focuses on reports used for employment purposes that include criminal history information.
Quarterly Consumer Credit Trends: Consumer Bankruptcy, BAPCPA, and the Great Recession
Quarterly consumer credit trends reports focus on a specific consumer financial product or issue using a longitudinal, nationally-representative sample of de-identified credit records maintained by a nationwide credit reporting company.
Credit Characteristics, Credit Engagement Tools, and Financial Well-Being
This report presents results from a joint research study between the Consumer Financial Protection Bureau (CFPB) and Credit Karma. The purpose of the study is to examine how consumers’ subjective financial well-being relates to objective measures of consumers’ financial health, specifically, consumers’ credit report characteristics. The study also seeks to relate consumers’ subjective financial well-being to consumers’ engagement with financial information through educational tools.
Planning for tax-time savings
A large study exploring tax-time saving found that early messaging and small incentives were effective at encouraging some customers to save using a savings feature on their prepaid card.