Blog | Consumer Financial Protection Bureau

Info for consumers

Published FEB 02, 2022

El costo oculto de las tarifas inesperadas

Cuando compramos, a menudo miramos el precio anunciado más barato. Pero el precio real puede incluir tarifas inesperadas. Conozca los tipos de tarifas inesperadas más comunes y comparta cómo estos cargos afectan su vida financiera.

Info for consumers

Published FEB 02, 2022

التكلفة الخفية للرسوم المفاجئة وغير المتوقعة

عندما نتسوق كثيرا ما نبحث عن أرخص سعر معلن، ولكن السعر الحقيقي قد يتضمن رسوما مفاجئة وغير متوقعة. فتعلـّم عن أكثر أنواع الرسوم المفاجئة وغير المتوقعة شيوعا وشارك آراءك حول مدى تأثير هذه الرسوم على حياتك المالية.

Info for consumers

Published FEB 02, 2022

垃圾費的隱含費用

當我們購物時，我們經常會查看最便宜的廣告價格。但實際價格可能包括垃圾費。瞭解最常見的類型並分享這些費用如何影響您的財務生活。

Info for consumers

Published FEB 02, 2022

Sự ảnh hưởng của phụ phí ẩn

Khi mua sắm, chúng ta thường tìm giá thấp nhất theo quảng cáo. Nhưng giá thật có thể bao gồm phụ phí. Tìm hiểu các loại phổ biến nhất và chia sẻ mức độ ảnh hưởng của các loại phí này đến tài chính của quý vị.

At the CFPB

Published JAN 27, 2022

Know your data: Our updated list of reporting companies

Your consumer reporting data can affect your ability to get a loan, job, or apartment. Learn how to request, review, and freeze your consumer reports.

By Aarthi Kannan and Jonah Kaplan

Credit reports and scores

Policy and compliance

Published JAN 26, 2022

Don’t let sloppy servicing keep you from benefitting under the PSLF Fix before it expires on October 31, 2022

The PSLF Limited Waiver provides important new benefits to workers in public service until October 31, 2022. Servicers are responsible for helping to navigate the process.

By Kristen Evans

At the CFPB

Published JAN 19, 2022

Americans pay $120 billion in credit card interest and fees each year

From 2018 to 2020, the CFPB estimates that Americans paid roughly $120 billion per year in credit card interest and fees. That works out to about $1,000 per year for every American household.

By Ashwin Vasan and Wei Zhang

Data, research, and reports

Published JAN 19, 2022

CFPB releases report on diversity and inclusion within financial services

Release of report outlining diversity and inclusion based on public facing data and information reported to the Bureau.

By Office of Minority and Women Inclusion (OMWI)

Info for consumers

Published JAN 14, 2022

It’s illegal to penalize borrowers for being religious

We’re concerned that some financial companies are unlawfully considering religion when making decisions on financial products. Have you been discriminated against? Submit a complaint to the CFPB.

By Lorelei Salas

Fair lending

Info for consumers

Published JAN 12, 2022

Our public inquiry on buy now, pay later

Several weeks ago, we issued a market-monitoring inquiry into “buy now, pay later” (BNPL) products and business practices. Now we are inviting anyone interested in this market to submit comments -- including families, small businesses, and international regulators.

By Ashwin Vasan

At the CFPB

Published JAN 07, 2022

Protecting servicemembers from predatory lending

This week CFPB partnered with other agencies to ensure that American servicemembers enjoy the full protections of the Military Lending Act.

By Seth Frotman and Jim Rice

Info for consumers

Published JAN 05, 2022

Hold credit reporting companies accountable for incorrect reports and shoddy service

Consumers told us how credit reporting errors affect their lives. Here are steps you can take to help hold credit reporting companies accountable.

By Darian Dorsey

Data, research, and reports

Published DEC 21, 2021

Making Ends Meet series: Consumer finances during the pandemic

New analysis in our Making Ends Meet series shows consumers’ finances improved during the pandemic as pandemic policies protected consumers.

By Scott Fulford and Cortnie Shupe

At the CFPB

Published DEC 17, 2021

CFPB is standing up for civil rights protections

This week CFPB partnered with other agencies to oppose a dangerous threat to our nation’s civil rights laws, specifically related to the Equal Credit Opportunity Act, or ECOA.

By Seth Frotman

Info for consumers

Published DEC 16, 2021

Know before you buy (now, pay later) this holiday season

Learn more about Buy Now Pay Later (BNPL) loans before using them for your purchases this holiday season.

By Andrew Braden

At the CFPB

Published DEC 15, 2021

CFPB calls tech workers to action

The CFPB encourages programmers, data scientists and others with knowledge of the algorithms and technologies used by companies, and who know of potential discrimination or other misconduct within our authority, to report it to the CFPB.

By Erie Meyer

Policy and compliance

Published DEC 13, 2021

Fall 2021 Rulemaking Agenda

Under the Regulatory Flexibility Act, Federal agencies must publish regulatory agendas twice a year. CFPB participates in the Unified Agenda, which is led by the Office of Management and Budget (OMB).

By Susan M. Bernard

Rulemaking

Info for consumers

Published DEC 09, 2021

Seven examples of unfair practices and other violations by mortgage servicers: CFPB supervision activities uncover red flags

CFPB’s supervision activities revealed unfair acts and practices, and other violations, by mortgage servicers. Here’s what to be aware of and how to find the resources you need if you’re struggling to make your mortgage payments.

By Lorelei Salas

Director's notebook

Published DEC 09, 2021

How Should Regulators Review Bank Mergers?

A new Request for Information will help inform a review of the FDIC and OCC’s Bank Merger Act policies.

By Rohit Chopra

Info for consumers

Published DEC 07, 2021

The LIBOR index for adjustable-rate loans is being discontinued: here’s what to watch for

Adjustable-rate mortgages, student loans, HELOCs, reverse mortgages and credit cards that are tied to a LIBOR index, which is expiring. Learn how this change could impact your interest rate.

By Davida Farrar

At the CFPB

Published DEC 02, 2021

Give us feedback on the draft CFPB Strategic Plan for FY 2022-26

We are inviting CFPB stakeholders to comment on the draft strategic plan for FY 2022 – 2026.

Open government

Info for consumers

Published DEC 02, 2021

CFPB Ombudsman’s Office 2021 Annual Report

The CFPB Ombudsman’s Office shares its FY2021 Annual Report.

By Wendy Kamenshine

CFPB Ombudsman

Info for consumers

Published NOV 30, 2021

Understand how the CFPB’s Debt Collection Rule impacts you

The CFPB issued rules clarifying how debt collectors can communicate with you. Here are five key things to know about these new debt collection rules.

Director's notebook

Published NOV 19, 2021

Ethics Guidance to Protect the Public Trust and Detect Revolving Door Misconduct

The CFPB issued additional guidance to staff reminding them to report ethics violations, such as suspicious communications and activity by former employees to agency officials.

By Rohit Chopra

Personnel

Info for consumers

Published OCT 14, 2021

The CFPB Ombudsman’s Office celebrates Ombuds Day

The CFPB Ombudsman’s Office celebrates Ombuds Day on October 14 with ombudsman offices worldwide. This day is meant to increase awareness and educate about the ombudsman profession.

By Wendy Kamenshine

CFPB Ombudsman