Research and reports

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

The 2022 Consumer Financial Protection Bureau (CFPB) report on college banking, including credit card and deposit product agreements.

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.

A new analysis investigating the financial conditions of renters and homeowners before and during the COVID-19 pandemic.

2021 Bureau of Consumer Financial Protection (CFPB) report on college credit card agreements.

2020 Bureau of Consumer Financial Protection (CFPB/BCFP) report on college credit card agreements.

2019 Bureau of Consumer Financial Protection (CFPB/BCFP) report on college credit card agreements.

The 2019 annual report of the CFPB Private Education Loan Ombudsman covers two years of data, discusses the importance of complaint analysis, and addresses unscrupulous student loan debt relief companies.    

The Bureau’s annual report on college credit card agreements, pursuant to the CARD Act.

The Credit Card Accountability, Responsibility and Disclosure Act (“CARD Act”) requires us to submit to Congress, and to make available to the public, an annual report that lists information submitted to the Bureau concerning agreements between credit card issuers and institutions of higher education or certain organizations affiliated with such institutions.

The 2017 Financial Literacy Annual Report is a statutorily mandated report to Congress on the Bureau’s activities and strategy to improve the financial capability and well-being of consumers. 

This annual report from the Student Loan Ombudsman highlights how individual consumer complaints can shape public policy and drive industry-wide reform.

This midyear update analyzes complaints submitted by consumers from March 1, 2016, to Feb. 28, 2017. Additionally, this report highlights the problems that student loan borrowers face when seeking to access programs designed to protect people working in public service.

This is an update from the CFPB Student Loan Ombudsman containing an initial analysis of information provided by student loan servicers on the repayment success of borrowers transitioning from default to an income-driven repayment plan. 

The Credit Card Accountability, Responsibility and Disclosure Act (“CARD Act”) requires us to submit to Congress, and to make available to the public, an annual report that lists information submitted to the Bureau concerning agreements between credit card issuers and institutions of higher education or certain organizations affiliated with such institutions.

The 2016 Financial Literacy Annual Report is a statutorily mandated report to Congress on the Bureau’s activities and strategy to improve the financial capability and well-being of consumers.

This report analyzes complaints submitted by consumers from October 1, 2015 through May 31, 2016 and highlights the issues that consumers face when seeking to enroll in an income-driven repayment plan.

The Credit Card Accountability, Responsibility and Disclosure Act (“CARD Act”) requires us to submit to Congress, and to make available to the public, an annual report that lists information submitted to the Bureau concerning agreements between credit card issuers and institutions of higher education or certain organizations affiliated with such institutions.

Empowering people to take more control over their economic lives is essential to our mission.

The Dodd-Frank Wall Street Reform and Consumer Protection Act established a student loan ombudsman within the Consumer Financial Protection Bureau.

This report reviews and discusses public comments submitted in response to a Request for Information Regarding Student Loan Servicing published in the Federal Register in May 2015 (Docket ID: CFPB-2015-0021).

We’ve received over 1,300 complaints from military borrowers related to the servicing or collection of student loans.

We received more than 3,100 private student loan complaints and 1,100 debt collection complaints related to student loans between October 1, 2014, and March 31, 2015.

The Credit Card Accountability, Responsibility and Disclosure Act (“CARD Act”) requires us to submit to Congress, and to make available to the public, an annual report that lists information submitted to the Bureau concerning agreements between credit card issuers and institutions of higher education or certain organizations affiliated with such institutions.

The Dodd-Frank Wall Street Reform and Consumer Protection Act established a student loan ombudsman within the Consumer Financial Protection Bureau.