Reports | Consumer Financial Protection Bureau

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</nav> </div> </div> </header> <main class="u-layout-grid u-layout-grid--2-1 " id="main" > <div class="u-layout-grid__wrapper"> <div class="u-layout-grid__main"> <div class="block block--flush-top"> <h1>Reports</h1> <div class="lead-paragraph"> <p data-block-key="v5yy9">We study how consumers interact with financial products and services to help identify potential problems in the marketplace and achieve better outcomes for all. 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And, see reports that we periodically prepare about the CFPB.</p> </div> </div> <div class="block"> <section class="o-featured-content-module "> <div class="o-featured-content-module__text"> <h2 class="h3">Data point: Mortgage trends</h2> <p>This Bureau Data Point article describes 2020 mortgage market activity and trends using data reported under the Home Mortgage Disclosure Act (HMDA).</p> <ul class="m-list m-list--links"> <li class="m-list__item"> <a class="a-link a-link--jump" href="/data-research/research-reports/2020-mortgage-market-activity-and-trends/" > <span class="a-link__text">Read the report</span> </a> </li> </ul> </div> <div class="o-featured-content-module__visual"> <img class="o-featured-content-module__img" src="https://files.consumerfinance.gov/f/images/cfpb_data-point-mortgage-trends_FCM.original.png" alt="Illustration of a house with data points in background"> </div> </section> </div> <div class="block block--flush-top"> <div id="o-filterable-list-controls" 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</div> <div> <ul class="m-tag-group" aria-label="Topics"> <li> <a href="?topics=data" class="a-tag-topic"> <span class="a-tag-topic__bullet" aria-hidden="true">•</span> <span class="a-tag-topic__text">Data</span> </a> </li> <li> <a href="?topics=office-of-research-publication" class="a-tag-topic"> <span class="a-tag-topic__bullet" aria-hidden="true">•</span> <span class="a-tag-topic__text">Office of Research Publication</span> </a> </li> <li> <a href="?topics=research" class="a-tag-topic"> <span class="a-tag-topic__bullet" aria-hidden="true">•</span> <span class="a-tag-topic__text">Research</span> </a> </li> <li> <a href="?topics=student-loans" class="a-tag-topic"> <span class="a-tag-topic__bullet" aria-hidden="true">•</span> <span class="a-tag-topic__text">Student loans</span> </a> </li> </ul> </div> </div> </article> <article class="o-post-preview" lang="en"> <div class="m-meta-header"> <div class="m-meta-header__item-group"> <span class="m-meta-header__item"> <svg 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Ends Meet Survey</a> </h3> <div class="o-post-preview__description"> The annual Making Ends Meet survey report highlights new trends in household financial stability. </div> <div> <ul class="m-tag-group" aria-label="Topics"> <li> <a href="?topics=access-to-credit" class="a-tag-topic"> <span class="a-tag-topic__bullet" aria-hidden="true">•</span> <span class="a-tag-topic__text">Access to credit</span> </a> </li> <li> <a href="?topics=credit-cards" class="a-tag-topic"> <span class="a-tag-topic__bullet" aria-hidden="true">•</span> <span class="a-tag-topic__text">Credit cards</span> </a> </li> <li> <a href="?topics=data" class="a-tag-topic"> <span class="a-tag-topic__bullet" aria-hidden="true">•</span> <span class="a-tag-topic__text">Data</span> </a> </li> <li> <a href="?topics=financial-well-being" class="a-tag-topic"> <span class="a-tag-topic__bullet" aria-hidden="true">•</span> <span class="a-tag-topic__text">Financial well-being</span> </a> </li> <li> <a href="?topics=office-of-research-publication" class="a-tag-topic"> <span class="a-tag-topic__bullet" aria-hidden="true">•</span> <span class="a-tag-topic__text">Office of Research Publication</span> </a> </li> <li> <a href="?topics=research" class="a-tag-topic"> <span class="a-tag-topic__bullet" aria-hidden="true">•</span> <span class="a-tag-topic__text">Research</span> </a> </li> <li> <a href="?topics=survey-methodology" class="a-tag-topic"> <span class="a-tag-topic__bullet" aria-hidden="true">•</span> <span class="a-tag-topic__text">Survey methodology</span> </a> </li> </ul> </div> </div> </article> <article class="o-post-preview" lang="en"> <div class="m-meta-header"> <div class="m-meta-header__item-group"> <span class="m-meta-header__item"> To Congress </span> </div> <div class="m-meta-header__item"> <span class="a-date"> Published <span class="datetime"><time datetime="2024-11-15T00:00:00">NOV 15, 2024</time></span> </span> </div> </div> <div class="o-post-preview__content"> <h3 class="o-post-preview__title"> <a href="/data-research/research-reports/annual-report-of-the-cfpb-student-loan-ombudsman-2024/">Annual Report of the CFPB Student Loan Ombudsman</a> </h3> <div class="o-post-preview__description"> 2024 Student Loan Ombudsman annual report, with an analysis of student loan borrower complaints and policy recommendations. </div> <div> <ul class="m-tag-group" aria-label="Topics"> <li> <a href="?topics=consumer-financial-protection-bureau" class="a-tag-topic"> <span class="a-tag-topic__bullet" aria-hidden="true">•</span> <span class="a-tag-topic__text">Consumer Financial Protection Bureau</span> </a> </li> <li> <a href="?topics=consumer-complaints" class="a-tag-topic"> <span class="a-tag-topic__bullet" aria-hidden="true">•</span> <span class="a-tag-topic__text">Consumer complaints</span> </a> </li> <li> <a href="?topics=data" class="a-tag-topic"> <span class="a-tag-topic__bullet" aria-hidden="true">•</span> <span class="a-tag-topic__text">Data</span> </a> </li> <li> <a href="?topics=debt-collection" class="a-tag-topic"> <span class="a-tag-topic__bullet" aria-hidden="true">•</span> <span class="a-tag-topic__text">Debt collection</span> </a> </li> <li> <a href="?topics=everyone-has-a-story" class="a-tag-topic"> <span class="a-tag-topic__bullet" aria-hidden="true">•</span> <span class="a-tag-topic__text">Everyone has a story</span> </a> </li> <li> <a href="?topics=private-education-loan-ombudsman" class="a-tag-topic"> <span class="a-tag-topic__bullet" aria-hidden="true">•</span> <span class="a-tag-topic__text">Private Education Loan Ombudsman</span> </a> </li> <li> <a href="?topics=student-loans" class="a-tag-topic"> <span class="a-tag-topic__bullet" aria-hidden="true">•</span> <span class="a-tag-topic__text">Student loans</span> </a> </li> <li> <a href="?topics=students" class="a-tag-topic"> <span class="a-tag-topic__bullet" aria-hidden="true">•</span> <span class="a-tag-topic__text">Students</span> </a> </li> </ul> </div> </div> </article> <article class="o-post-preview" lang="en"> <div class="m-meta-header"> <div class="m-meta-header__item-group"> <span class="m-meta-header__item"> To Congress </span> </div> <div class="m-meta-header__item"> <span class="a-date"> Published <span class="datetime"><time datetime="2024-11-14T00:00:00">NOV 14, 2024</time></span> </span> </div> </div> <div class="o-post-preview__content"> <h3 class="o-post-preview__title"> <a href="/data-research/research-reports/financial-report-cfpb-fiscal-year-2024/">CFPB financial report fiscal year 2024</a> </h3> <div class="o-post-preview__description"> The financial report provides readers with the summary results of the CFPB’s operational activity, and it is the principal statement of our accountability to the American people, the United States Congress, and the President of the United States. </div> <div> <ul class="m-tag-group" aria-label="Topics"> <li> <a href="?topics=open-government" class="a-tag-topic"> <span class="a-tag-topic__bullet" aria-hidden="true">•</span> <span class="a-tag-topic__text">Open government</span> </a> </li> </ul> </div> </div> </article> <article class="o-post-preview" lang="en"> <div class="m-meta-header"> <div class="m-meta-header__item-group"> <span class="m-meta-header__item"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--chart" viewBox="0 0 15 19"><path d="M13.55 15.256H1.45a.554.554 0 0 1-.553-.554V3.168a.554.554 0 1 1 1.108 0v10.98h11.544a.554.554 0 0 1 0 1.108zM3.121 13.02V6.888a.476.476 0 0 1 .475-.475h.786a.476.476 0 0 1 .475.475v6.132zm2.785 0V3.507a.476.476 0 0 1 .475-.475h.786a.476.476 0 0 1 .475.475v9.513zm2.785 0V6.888a.476.476 0 0 1 .475-.475h.786a.476.476 0 0 1 .475.475v6.132zm2.786 0v-2.753a.476.476 0 0 1 .475-.475h.785a.476.476 0 0 1 .475.475v2.753z"/></svg> Office of Research Publication </span> </div> <div class="m-meta-header__item"> <span class="a-date"> Published <span class="datetime"><time datetime="2024-11-13T00:00:00">NOV 13, 2024</time></span> </span> </div> </div> <div class="o-post-preview__content"> <h3 class="o-post-preview__title"> <a href="/data-research/research-reports/matched-pair-testing-in-small-business-lending-markets/">Matched-Pair Testing in Small Business Lending Markets</a> </h3> <div class="o-post-preview__description"> The Consumer Financial Protection Bureau (“CFPB”) and the U.S. Department of Justice (“DOJ”) conducted matched-pair testing to test for and detect differential treatment of fictitious well-qualified Black and white small business owners seeking credit at large bank lenders in two counties. </div> <div> <ul class="m-tag-group" aria-label="Topics"> <li> <a href="?topics=access-to-credit" class="a-tag-topic"> <span class="a-tag-topic__bullet" aria-hidden="true">•</span> <span class="a-tag-topic__text">Access to credit</span> </a> </li> <li> <a href="?topics=office-of-research-publication" class="a-tag-topic"> <span class="a-tag-topic__bullet" aria-hidden="true">•</span> <span class="a-tag-topic__text">Office of Research Publication</span> </a> </li> <li> <a href="?topics=research" class="a-tag-topic"> <span class="a-tag-topic__bullet" aria-hidden="true">•</span> <span class="a-tag-topic__text">Research</span> </a> </li> <li> <a href="?topics=small-business-lending" class="a-tag-topic"> <span class="a-tag-topic__bullet" aria-hidden="true">•</span> <span class="a-tag-topic__text">Small business lending</span> </a> </li> </ul> </div> </div> </article> <article class="o-post-preview" lang="en"> <div class="m-meta-header"> <div class="m-meta-header__item-group"> <span class="m-meta-header__item"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--chart" viewBox="0 0 15 19"><path d="M13.55 15.256H1.45a.554.554 0 0 1-.553-.554V3.168a.554.554 0 1 1 1.108 0v10.98h11.544a.554.554 0 0 1 0 1.108zM3.121 13.02V6.888a.476.476 0 0 1 .475-.475h.786a.476.476 0 0 1 .475.475v6.132zm2.785 0V3.507a.476.476 0 0 1 .475-.475h.786a.476.476 0 0 1 .475.475v9.513zm2.785 0V6.888a.476.476 0 0 1 .475-.475h.786a.476.476 0 0 1 .475.475v6.132zm2.786 0v-2.753a.476.476 0 0 1 .475-.475h.785a.476.476 0 0 1 .475.475v2.753z"/></svg> Office of Research Publication </span> </div> <div class="m-meta-header__item"> <span class="a-date"> Published <span class="datetime"><time datetime="2024-11-13T00:00:00">NOV 13, 2024</time></span> </span> </div> </div> <div class="o-post-preview__content"> <h3 class="o-post-preview__title"> <a href="/data-research/research-reports/insights-from-the-2023-2024-student-loan-borrower-survey/">Insights from the 2023-2024 Student Loan Borrower Survey</a> </h3> <div class="o-post-preview__description"> CFPB report on student loan borrower survey, with findings on income-driven repayment (IDR), payment pause, return to repayment, debt relief, and loan forgiveness. </div> <div> <ul class="m-tag-group" aria-label="Topics"> <li> <a href="?topics=data" class="a-tag-topic"> <span class="a-tag-topic__bullet" aria-hidden="true">•</span> <span class="a-tag-topic__text">Data</span> </a> </li> <li> <a href="?topics=office-of-research-publication" class="a-tag-topic"> <span class="a-tag-topic__bullet" aria-hidden="true">•</span> <span class="a-tag-topic__text">Office of Research Publication</span> </a> </li> <li> <a href="?topics=research" class="a-tag-topic"> <span class="a-tag-topic__bullet" aria-hidden="true">•</span> <span class="a-tag-topic__text">Research</span> </a> </li> <li> <a href="?topics=student-loans" class="a-tag-topic"> <span class="a-tag-topic__bullet" aria-hidden="true">•</span> <span class="a-tag-topic__text">Student loans</span> </a> </li> </ul> </div> </div> </article> <article class="o-post-preview" lang="en"> <div class="m-meta-header"> <div class="m-meta-header__item-group"> <span class="m-meta-header__item"> Industry and markets </span> </div> <div class="m-meta-header__item"> <span class="a-date"> Published <span class="datetime"><time datetime="2024-11-12T00:00:00">NOV 12, 2024</time></span> </span> </div> </div> <div class="o-post-preview__content"> <h3 class="o-post-preview__title"> <a href="/data-research/research-reports/state-consumer-privacy-laws-and-the-monetization-of-consumer-financial-data/">State Consumer Privacy Laws and the Monetization of Consumer Financial Data</a> </h3> <div class="o-post-preview__description"> New state laws give consumers the right to access, correct, and delete consumer data, but exempt financial institutions and credit reports from these protections. </div> <div> <ul class="m-tag-group" aria-label="Topics"> <li> <a href="?topics=data" class="a-tag-topic"> <span class="a-tag-topic__bullet" aria-hidden="true">•</span> <span class="a-tag-topic__text">Data</span> </a> </li> <li> <a href="?topics=financial-service-providers" class="a-tag-topic"> <span class="a-tag-topic__bullet" aria-hidden="true">•</span> <span class="a-tag-topic__text">Financial service providers</span> </a> </li> <li> <a href="?topics=privacy" class="a-tag-topic"> <span class="a-tag-topic__bullet" aria-hidden="true">•</span> <span class="a-tag-topic__text">Privacy</span> </a> </li> </ul> </div> </div> </article> <article class="o-post-preview" lang="en"> <div class="m-meta-header"> <div class="m-meta-header__item-group"> <span class="m-meta-header__item"> Supervisory Highlights </span> </div> <div class="m-meta-header__item"> <span class="a-date"> Published <span class="datetime"><time datetime="2024-10-07T00:00:00">OCT 07, 2024</time></span> </span> </div> </div> <div class="o-post-preview__content"> <h3 class="o-post-preview__title"> <a href="/data-research/research-reports/supervisory-highlights-issue-35-fall-2024/">Supervisory Highlights: Auto Finance Special Edition, Issue 35 (Fall 2024)</a> </h3> <div class="o-post-preview__description"> The findings in this edition of Supervisory Highlights cover select examinations related to auto-finance that were generally completed between November 1, 2023, and August 30, 2024. </div> <div> <ul class="m-tag-group" aria-label="Topics"> <li> <a href="?topics=add-on-products" class="a-tag-topic"> <span class="a-tag-topic__bullet" aria-hidden="true">•</span> <span class="a-tag-topic__text">Add-on products</span> </a> </li> <li> <a href="?topics=credit-reports-and-scores" class="a-tag-topic"> <span class="a-tag-topic__bullet" aria-hidden="true">•</span> <span class="a-tag-topic__text">Credit reports and scores</span> </a> </li> <li> <a href="?topics=deceptive-practices" class="a-tag-topic"> <span class="a-tag-topic__bullet" aria-hidden="true">•</span> <span class="a-tag-topic__text">Deceptive practices</span> </a> </li> <li> <a href="?topics=supervision" class="a-tag-topic"> <span class="a-tag-topic__bullet" aria-hidden="true">•</span> <span class="a-tag-topic__text">Supervision</span> </a> </li> </ul> </div> </div> </article> <article class="o-post-preview" lang="en"> <div class="m-meta-header"> <div class="m-meta-header__item-group"> <span class="m-meta-header__item"> Consumer complaint </span> </div> <div class="m-meta-header__item"> <span class="a-date"> Published <span class="datetime"><time datetime="2024-09-24T00:00:00">SEP 24, 2024</time></span> </span> </div> </div> <div class="o-post-preview__content"> <h3 class="o-post-preview__title"> <a href="/data-research/research-reports/office-of-servicemember-affairs-annual-report-fy-2023/">Office of Servicemember Affairs 2023 Annual Report</a> </h3> <div class="o-post-preview__description"> 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. </div> <div> <ul class="m-tag-group" aria-label="Topics"> <li> <a href="?topics=consumer-complaints" class="a-tag-topic"> <span class="a-tag-topic__bullet" aria-hidden="true">•</span> <span class="a-tag-topic__text">Consumer complaints</span> </a> </li> <li> <a href="?topics=servicemembers" class="a-tag-topic"> <span class="a-tag-topic__bullet" aria-hidden="true">•</span> <span class="a-tag-topic__text">Servicemembers</span> </a> </li> <li> <a href="?topics=student-loans" class="a-tag-topic"> <span class="a-tag-topic__bullet" aria-hidden="true">•</span> <span class="a-tag-topic__text">Student loans</span> </a> </li> </ul> </div> </div> </article> <article class="o-post-preview" lang="en"> <div class="m-meta-header"> <div class="m-meta-header__item-group"> <span class="m-meta-header__item"> Data spotlight </span> </div> <div class="m-meta-header__item"> <span class="a-date"> Published <span class="datetime"><time datetime="2024-09-17T00:00:00">SEP 17, 2024</time></span> </span> </div> </div> <div class="o-post-preview__content"> <h3 class="o-post-preview__title"> <a href="/data-research/research-reports/data-spotlight-the-impact-of-changing-mortgage-interest-rates/">Data Spotlight: The Impact of Changing Mortgage Interest Rates</a> </h3> <div class="o-post-preview__description"> Monthly principal and interest payments rose 78% driven by interest rates jumping from historic lows in 2021 to highs in 2023. </div> <div class="o-post-preview__byline-group"> By CFPB Office of Mortgage Markets</a> </div> <div> <ul class="m-tag-group" aria-label="Topics"> <li> <a href="?topics=mortgage-origination" class="a-tag-topic"> <span class="a-tag-topic__bullet" aria-hidden="true">•</span> <span class="a-tag-topic__text">Mortgage origination</span> </a> </li> <li> <a href="?topics=mortgages" class="a-tag-topic"> <span class="a-tag-topic__bullet" aria-hidden="true">•</span> <span class="a-tag-topic__text">Mortgages</span> </a> </li> <li> <a href="?topics=research" class="a-tag-topic"> <span class="a-tag-topic__bullet" aria-hidden="true">•</span> <span class="a-tag-topic__text">Research</span> </a> </li> </ul> </div> </div> </article> <article class="o-post-preview" lang="en"> <div class="m-meta-header"> <div class="m-meta-header__item-group"> <span class="m-meta-header__item"> To Congress </span> </div> <div class="m-meta-header__item"> <span class="a-date"> Published <span class="datetime"><time datetime="2024-09-05T00:00:00">SEP 05, 2024</time></span> </span> </div> </div> <div class="o-post-preview__content"> <h3 class="o-post-preview__title"> <a href="/data-research/research-reports/fair-debt-collection-practices-act-cfpb-annual-report-2024/">Fair Debt Collection Practices Act CFPB Annual Report 2024</a> </h3> <div class="o-post-preview__description"> The CFPB's annual report to Congress summarizes its activities, and those of the Federal Trade Commission (FTC), in administering the Fair Debt Collection Practices Act (FDCPA) in 2023. This report also highlights consumer protection issues in medical and rental debt collection. </div> <div> <ul class="m-tag-group" aria-label="Topics"> <li> <a href="?topics=debt-collection" class="a-tag-topic"> <span class="a-tag-topic__bullet" aria-hidden="true">•</span> <span class="a-tag-topic__text">Debt collection</span> </a> </li> <li> <a href="?topics=fair-debt-collection-practices-act" class="a-tag-topic"> <span class="a-tag-topic__bullet" aria-hidden="true">•</span> <span class="a-tag-topic__text">Fair Debt Collection Practices Act</span> </a> </li> <li> <a href="?topics=medical-debt" class="a-tag-topic"> <span class="a-tag-topic__bullet" aria-hidden="true">•</span> <span class="a-tag-topic__text">Medical debt</span> </a> </li> </ul> </div> </div> </article> <article class="o-post-preview" lang="en"> <div class="m-meta-header"> <div class="m-meta-header__item-group"> <span class="m-meta-header__item"> Issue spotlight </span> </div> <div class="m-meta-header__item"> <span class="a-date"> Published <span class="datetime"><time datetime="2024-08-26T00:00:00">AUG 26, 2024</time></span> </span> </div> </div> <div class="o-post-preview__content"> <h3 class="o-post-preview__title"> <a href="/data-research/research-reports/issue-spotlight-cash-back-fees/">Issue Spotlight: Cash-back Fees</a> </h3> <div class="o-post-preview__description"> The CFPB examines consumer risks related to fees on cash-back transactions at retail point of sale, finding that Kroger Co, Dollar General, Dollar Tree, and Family Dollar, charge fees for small amounts while other sampled retailers do not. </div> <div class="o-post-preview__byline-group"> By Offices of Consumer Populations and Markets</a> </div> <div> <ul class="m-tag-group" aria-label="Topics"> <li> <a href="?topics=consumer-financial-protection-bureau" class="a-tag-topic"> <span class="a-tag-topic__bullet" aria-hidden="true">•</span> <span class="a-tag-topic__text">Consumer Financial Protection Bureau</span> </a> </li> <li> <a href="?topics=financial-well-being" class="a-tag-topic"> <span class="a-tag-topic__bullet" aria-hidden="true">•</span> <span class="a-tag-topic__text">Financial well-being</span> </a> </li> </ul> </div> </div> </article> <article class="o-post-preview" lang="en"> <div class="m-meta-header"> <div class="m-meta-header__item-group"> <span class="m-meta-header__item"> Industry and markets </span> </div> <div class="m-meta-header__item"> <span class="a-date"> Published <span class="datetime"><time datetime="2024-08-13T00:00:00">AUG 13, 2024</time></span> </span> </div> </div> <div class="o-post-preview__content"> <h3 class="o-post-preview__title"> <a href="/data-research/research-reports/report-on-contract-for-deed-lending/">Report on Contract for Deed Lending</a> </h3> <div class="o-post-preview__description"> Contracts for deed are a form of home financing where the seller retains legal title until the borrower completes payment. Buyers’ exercise of their rights regarding the property is often complicated. </div> <div> <ul class="m-tag-group" aria-label="Topics"> <li> <a href="?topics=access-to-credit" class="a-tag-topic"> <span class="a-tag-topic__bullet" aria-hidden="true">•</span> <span class="a-tag-topic__text">Access to credit</span> </a> </li> <li> <a href="?topics=fair-lending" class="a-tag-topic"> <span class="a-tag-topic__bullet" aria-hidden="true">•</span> <span class="a-tag-topic__text">Fair lending</span> </a> </li> <li> <a href="?topics=mortgages" class="a-tag-topic"> <span class="a-tag-topic__bullet" aria-hidden="true">•</span> <span class="a-tag-topic__text">Mortgages</span> </a> </li> <li> <a href="?topics=redlining" class="a-tag-topic"> <span class="a-tag-topic__bullet" aria-hidden="true">•</span> <span class="a-tag-topic__text">Redlining</span> </a> </li> </ul> </div> </div> </article> <article class="o-post-preview" lang="en"> <div class="m-meta-header"> <div class="m-meta-header__item-group"> <span class="m-meta-header__item"> To Congress </span> </div> <div class="m-meta-header__item"> <span class="a-date"> Published <span class="datetime"><time datetime="2024-08-09T00:00:00">AUG 09, 2024</time></span> </span> </div> </div> <div class="o-post-preview__content"> <h3 class="o-post-preview__title"> <a href="/data-research/research-reports/2023-financial-literacy-annual-report/">2023 Financial Literacy Annual Report</a> </h3> <div class="o-post-preview__description"> The 2023 Financial Literacy Annual Report describes the CFPB’s financial literacy activities and strategy to improve the financial literacy of consumers. </div> <div> <ul class="m-tag-group" aria-label="Topics"> <li> <a href="?topics=financial-coaching" class="a-tag-topic"> <span class="a-tag-topic__bullet" aria-hidden="true">•</span> <span class="a-tag-topic__text">Financial coaching</span> </a> </li> <li> <a href="?topics=financial-education" class="a-tag-topic"> <span class="a-tag-topic__bullet" aria-hidden="true">•</span> <span class="a-tag-topic__text">Financial education</span> </a> </li> <li> <a href="?topics=financial-well-being" class="a-tag-topic"> <span class="a-tag-topic__bullet" aria-hidden="true">•</span> <span class="a-tag-topic__text">Financial well-being</span> </a> </li> <li> <a href="?topics=older-americans" class="a-tag-topic"> <span class="a-tag-topic__bullet" aria-hidden="true">•</span> <span class="a-tag-topic__text">Older Americans</span> </a> </li> <li> <a href="?topics=research" class="a-tag-topic"> <span class="a-tag-topic__bullet" aria-hidden="true">•</span> <span class="a-tag-topic__text">Research</span> </a> </li> <li> <a href="?topics=servicemembers" class="a-tag-topic"> <span class="a-tag-topic__bullet" aria-hidden="true">•</span> <span class="a-tag-topic__text">Servicemembers</span> </a> </li> <li> <a href="?topics=student-loans" class="a-tag-topic"> <span class="a-tag-topic__bullet" aria-hidden="true">•</span> <span class="a-tag-topic__text">Student loans</span> </a> </li> <li> <a href="?topics=youth" class="a-tag-topic"> <span class="a-tag-topic__bullet" aria-hidden="true">•</span> <span class="a-tag-topic__text">Youth</span> </a> </li> </ul> </div> </div> </article> <article class="o-post-preview" lang="en"> <div class="m-meta-header"> <div class="m-meta-header__item-group"> <span class="m-meta-header__item"> Issue spotlight </span> </div> <div class="m-meta-header__item"> <span class="a-date"> Published <span class="datetime"><time datetime="2024-08-07T00:00:00">AUG 07, 2024</time></span> </span> </div> </div> <div class="o-post-preview__content"> <h3 class="o-post-preview__title"> <a href="/data-research/research-reports/issue-spotlight-solar-financing/">Issue Spotlight: Solar Financing</a> </h3> <div class="o-post-preview__description"> Overview of the marketplace for financing residential solar panels and the consumer risks posed by solar-specific loans. </div> <div class="o-post-preview__byline-group"> By CFPB Office of Markets</a> </div> <div> <ul class="m-tag-group" aria-label="Topics"> <li> <a href="?topics=consumer-financial-protection-bureau" class="a-tag-topic"> <span class="a-tag-topic__bullet" aria-hidden="true">•</span> <span class="a-tag-topic__text">Consumer Financial Protection Bureau</span> </a> </li> </ul> </div> </div> </article> <article class="o-post-preview" lang="en"> <div class="m-meta-header"> <div class="m-meta-header__item-group"> <span class="m-meta-header__item"> Issue spotlight </span> </div> <div class="m-meta-header__item"> <span class="a-date"> Published <span class="datetime"><time datetime="2024-07-25T00:00:00">JUL 25, 2024</time></span> </span> </div> </div> <div class="o-post-preview__content"> <h3 class="o-post-preview__title"> <a href="/data-research/research-reports/issue-spotlight-costs-of-electronic-payments-in-k-12-schools/">Issue Spotlight: Costs of Electronic Payments in K-12 Schools</a> </h3> <div class="o-post-preview__description"> K-12 schools are increasingly offering families the option to pay school-related expenses online via third-party payment processors, presenting new costs and challenges for users. </div> <div> <ul class="m-tag-group" aria-label="Topics"> <li> <a href="?topics=electronic-payments" class="a-tag-topic"> <span class="a-tag-topic__bullet" aria-hidden="true">•</span> <span class="a-tag-topic__text">Electronic payments</span> </a> </li> <li> <a href="?topics=parents" class="a-tag-topic"> <span class="a-tag-topic__bullet" aria-hidden="true">•</span> <span class="a-tag-topic__text">Parents</span> </a> </li> <li> <a href="?topics=youth" class="a-tag-topic"> <span class="a-tag-topic__bullet" aria-hidden="true">•</span> <span class="a-tag-topic__text">Youth</span> </a> </li> </ul> </div> </div> </article> <article class="o-post-preview" lang="en"> <div class="m-meta-header"> <div class="m-meta-header__item-group"> <span class="m-meta-header__item"> Data spotlight </span> <span class="m-meta-header__item"> Data spotlight </span> </div> <div class="m-meta-header__item"> <span class="a-date"> Published <span class="datetime"><time datetime="2024-07-18T00:00:00">JUL 18, 2024</time></span> </span> </div> </div> <div class="o-post-preview__content"> <h3 class="o-post-preview__title"> <a href="/data-research/research-reports/data-spotlight-developments-in-the-paycheck-advance-market/">Data Spotlight: Developments in the Paycheck Advance Market</a> </h3> <div class="o-post-preview__description"> This data spotlight covers developments in the paycheck advance market, covering products also referred to as wage advance programs, small loans, earned wage access, earned wage advances, early wage access, on demand pay, and income-based advances. </div> <div> <ul class="m-tag-group" aria-label="Topics"> <li> <a href="?topics=access-to-credit" class="a-tag-topic"> <span class="a-tag-topic__bullet" aria-hidden="true">•</span> <span class="a-tag-topic__text">Access to credit</span> </a> </li> <li> <a href="?topics=data" class="a-tag-topic"> <span class="a-tag-topic__bullet" aria-hidden="true">•</span> <span class="a-tag-topic__text">Data</span> </a> </li> <li> <a href="?topics=financial-service-providers" class="a-tag-topic"> <span class="a-tag-topic__bullet" aria-hidden="true">•</span> <span class="a-tag-topic__text">Financial service providers</span> </a> </li> <li> <a href="?topics=research" class="a-tag-topic"> <span class="a-tag-topic__bullet" aria-hidden="true">•</span> <span class="a-tag-topic__text">Research</span> </a> </li> <li> <a href="?topics=small-dollar-lending" class="a-tag-topic"> <span class="a-tag-topic__bullet" aria-hidden="true">•</span> <span class="a-tag-topic__text">Small dollar lending</span> </a> </li> </ul> </div> </div> </article> <article class="o-post-preview" lang="en"> <div class="m-meta-header"> <div class="m-meta-header__item-group"> <span class="m-meta-header__item"> Supervisory Highlights </span> </div> <div class="m-meta-header__item"> <span class="a-date"> Published <span class="datetime"><time datetime="2024-07-02T00:00:00">JUL 02, 2024</time></span> </span> </div> </div> <div class="o-post-preview__content"> <h3 class="o-post-preview__title"> <a href="/data-research/research-reports/supervisory-highlights-issue-34-summer-2024/">Supervisory Highlights: Servicing and Collection of Consumer Debt, Issue 34 (Summer 2024)</a> </h3> <div class="o-post-preview__description"> 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. </div> <div> <ul class="m-tag-group" aria-label="Topics"> <li> <a href="?topics=debt-collection" class="a-tag-topic"> <span class="a-tag-topic__bullet" aria-hidden="true">•</span> <span class="a-tag-topic__text">Debt collection</span> </a> </li> <li> <a href="?topics=deceptive-practices" class="a-tag-topic"> <span class="a-tag-topic__bullet" aria-hidden="true">•</span> <span class="a-tag-topic__text">Deceptive practices</span> </a> </li> <li> <a href="?topics=student-loans" class="a-tag-topic"> <span class="a-tag-topic__bullet" aria-hidden="true">•</span> <span class="a-tag-topic__text">Student loans</span> </a> </li> <li> <a href="?topics=supervision" class="a-tag-topic"> <span class="a-tag-topic__bullet" aria-hidden="true">•</span> <span class="a-tag-topic__text">Supervision</span> </a> </li> </ul> </div> </div> </article> <article class="o-post-preview" lang="en"> <div class="m-meta-header"> <div class="m-meta-header__item-group"> <span class="m-meta-header__item"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--chart" viewBox="0 0 15 19"><path d="M13.55 15.256H1.45a.554.554 0 0 1-.553-.554V3.168a.554.554 0 1 1 1.108 0v10.98h11.544a.554.554 0 0 1 0 1.108zM3.121 13.02V6.888a.476.476 0 0 1 .475-.475h.786a.476.476 0 0 1 .475.475v6.132zm2.785 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