Reports

In this report, we investigate the extent to which borrowers of cash-out refinance mortgages pay down non-mortgage debts with extracted equity using an event study around the refinance event.

Forced collection of Social Security benefits increasingly pushes borrowers into poverty and hardship, undermining the purpose of the Social Security program.

Pursuant to the CARD Act, the CFPB’s College Banking and Credit Card Agreements report monitors financial products offered through colleges, specifically deposit and prepaid accounts and credit cards.

CFPB report on how federal student loan borrowers have fared with the end of the payment pause and the return to repayment.

2024 Student Loan Ombudsman annual report, with an analysis of student loan borrower complaints and policy recommendations.

CFPB report on student loan borrower survey, with findings on income-driven repayment (IDR), payment pause, return to repayment, debt relief, and loan forgiveness.

The Office of Servicemember Affairs’ annual report on the top financial concerns facing servicemembers, veterans, and military families, based on the complaints they submitted to the CFPB.

The 2023 Financial Literacy Annual Report describes the CFPB’s financial literacy activities and strategy to improve the financial literacy of consumers.

This is a special edition of Supervisory Highlights that focuses on significant findings across the entire student loan market.

The findings in this edition of Supervisory Highlights cover violations of law and consumer harm in the areas of auto and student loan servicing and debt collection.

Summarizes initial observations from CFPB’s on-going effort to monitor the return to repayment on federal student loans for risks to consumers.

This report is required by statute. It covers the student lending market, complaints, challenges for consumers, and makes recommendations to policy makers.

College tuition payment plans are widely used loans that can be a good option for students, yet present significant risks for consumers, and regulators may want to consider paying more attention to them.

The 2022 Financial Literacy Annual Report of the Consumer Financial Protection Bureau (CFPB) is required under Section 1013 of the Dodd-Frank Wall Street Reform and Consumer Protection Act.

This is the 29th edition of Supervisory Highlights. The findings in this report cover examinations involving fees in the areas of deposits, auto servicing, mortgage servicing, payday and small dollar lending, and student loan servicing completed between July 1, 2022, and February 1, 2023.

The annual Making Ends Meet survey report shows how consumers’ finances changed from 2021 to 2022.

This report is required by statute. It covers the student lending market, complaints, challenges for consumers, and makes recommendations to policy makers.

This report focuses on the consumer finances of rural Appalachians, and is the first in a series of reports focusing on the finances of rural consumers.

This is the 26th edition of Supervisory Highlights. The findings included in this report cover examinations completed between July 2021 and December 2021 in the areas of auto servicing, consumer reporting, credit card account management, debt collection, deposits, mortgage origination, prepaid accounts, remittances, and student loan servicing.

New analysis of student loan borrowers to identify groups of borrowers who may encounter difficulties when the CARES Act federal payment suspension ends.

The 2021 Financial Literacy Annual Report details the CFPB’s financial literacy strategy and activities to improve the financial literacy of consumers. Overall, this report describes the CFPB’s efforts in a broad range of financial literacy areas relevant to consumers’ financial lives.

This report outlines challenges faced by justice-involved people and their families in navigating their finances at each stage of the criminal justice system.

This Consumer Credit Trends report describes patterns in dispute flags that appear on consumers’ credit reports.

The 2021 Annual Report of the CFPB Education Loan Ombudsman reviews student loan complaints, the student loan and education ecosystems, the return to repayment, and servicing transfers.

The 2020 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.