Reports
Consumer Complaint Survey Report 2024
Scamplified
Rural Homeownership Challenges: A Perspective from Eastern Kentucky
The Privacy Tax
Consumer Federation of America and Student Borrower Protection Center Issue Joint Memorandum on Trump-Led CFPB Pardons of Repeat Offender Corporations
Trump is Surrendering Servicemembers to Financial Abuse
The Very Real Dangers of Adopting Virtual Money
Ultra-processed Foods: Why They Matter and What to Do About It
Homes Too Cheap for a Mortgage: Learning from Baltimore and Eastern Kentucky about Small Mortgages and National Solutions
Outcompeted: Challenges of FHA Buyers in Tight Housing Markets
Report on CAR Proposed Seller Listing Agreement
Report on CAR Proposed Buyer Representation Agreement
Consumer Complaint Survey Report 2023
WHY COMMISSION UNCOUPLING WILL HELP FIRST-TIME HOME BUYERS
EXPOSED: A Report on 1.6 Trillion Dollars of Uninsured American Homes
High-Cost Small Company 401(k) Plans Can Cost Retirement Savers Hundreds of Thousands of Dollars Over Their Careers
REQUIRED BUYER AGENCY CONTRACTS: IMPACTS ON HOME BUYERS
A Surfeit of Real Estate Agents 3: Abundant Jobs, Inadequate Mentorship, and Few Sales
Consumer Understanding of Buy Now, Pay Later in California
REAL ESTATE BROKERAGE CLASS ACTION LAWSUITS
A Surfeit of Real Estate Agents 2: Is Entry Too Easy
The One Hundred Percent Penalty: How Auto Insurers’ Use of Credit Information Increases Premiums for Safe Drivers and Perpetuates Racial Inequality
State and Local Public Policy Options for Raising Awareness of Alcohol Cancer Risk
A Surfeit of Real Estate Agents: Industry and Consumer Impacts
Consumer Complaint Survey Report 2022
New Online Price Disclosures by Dignity Memorial Funeral Homes: Are They Adequate?
Report: The Thousand Dollar Insurance Penalty: How Insurance Companies’ Credit Scoring and ZIP Code Rating Push Up Premiums for Safe Drivers in New York
Buyer Agent Commission Rate Disclosures and Their Implications for Home Buyers and Sellers
Report: Alternatives to High-Cost Loans and Policy Solutions to Expand Affordable Options
Telematics in Insurance Presentation: National Association of Insurance Commissioners
U.S. Consumer Attitudes Toward Appliance Efficiency Standards and Purchasing Behaviors by Income, Race, and Homeownership
Diverse Real Estate Commissions
2021 Consumer Complaint Survey Report
The Relationship Between Home Prices and Real Estate Commission Rates
Online Price Posting At More Than 1,000 Funeral Homes In 35 State Capitals
Predatory Lenders TAB Bank and EasyPay Finance Harm Veterans and Military Servicemembers with Loans up to 189% APR
Predatory Auto Repair Loans By TAB Bank and EasyPay Finance
Real Estate Commission Rates in 35 Cities: Uniformity and Variability
Honoring America’s Promise: How Passing Unused VA Loan Benefits Down to Veteran’s Descendants Could Narrow the African-American Homeownership Gap
An Evaluation of Gender Disparities in Auto Insurance Pricing in the State of Delaware
Does Transaction Brokerage in Florida Serve the Interest of Home Buyers and Sellers?
Issue Brief: Rebooting and Recalibrating Competition Policy
Survey Shows Too Many Californians Are Still Unaware of Privacy Rights
Climate and ESG Rules Should be Written by SEC Not Outside Party
The Relationship of Residential Real Estate Commission Rates to Industry Structure and Culture
Insurance Premiums in New Jersey Vary Dramatically By ZIP Code Demographics
State Real Estate Commissions: Do They Serve the Consumer Interest?
Traditional Savings Accounts: Are They Still Popular?
2020 Consumer Complaint Survey Report
An Evaluation of Consumer Information Provided by State Funeral Regulators
Watch Where You’re Going
Avoiding COVID-19 Related Foreclosures
Double-Dipping by Real Estate Agents
Building a 21st Century Electricity Sector with Efficiency, Distributed Resources and Dynamic Management
The Availability of Consumer Information From State Real Estate Commissions
Black American Finances and Savings in a COVID Era
Marketing Direct-To-Consumer Genetic Testing
New Jersey Auto Insurance Premium Comparisons By City
Report Examines Link Between Poverty and Foodborne Illness Risk
Real Estate Referral Fees: Do They Harm Consumers?
Big Data Platforms, a New Chokepoint in the Digital Communications Sector
Business Data Services
Pragmatic, Progressive Capitalism At Its Best: Network Neutrality
Pragmatic, Progressive Capitalism
2019 Consumer Complaint Survey Report
Choosing a Real Estate Agent: An Evaluation of Information Sources About Quality of Service
Consumer Groups Issue Report Showing Need for Greater Auto Insurance Premium Relief, Urge Insurance Commissioners to Ensure 30% Paybacks
Trump’s Meat and Poultry Production Order Undermines Food Safety and, COVID Protection
How the Cash-Rich Insurance Industry Fakes Crises and Invents Social Inflation
Do Big Banks Provide Affordable Access To Lower Income Savers?
Unwarranted: Small-Claims Court Arrest Warrants in Payday Loan Debt Collection
The Relationship between Funeral Price Disclosures and Funeral Prices: A California Case Study
Why Required Real Estate Agent Disclosures About Representation Fail and How They Can Be Improved
Why Pocket Listings of Homes For Sale Are Not In the Consumer Interest
Hidden Real Estate Commissions: Consumer Costs and Improved Transparency
Hidden Funeral Prices: An Evaluation of California Funeral Home Price Disclosure and Lack of Disclosure
Developing a Residual Income Model for use in Mortgage Underwriting
2018 Consumer Complaint Survey Report
Consumer Attitudes Toward Fuel Efficiency
Angie’s List: An Evaluation of Its Usefulness for Consumers
Dormant: The Consumer Financial Protection Bureau’s Law Enforcement Program in Decline
Auto Insurance Regulation - What Works 2019
The Agency Mess
Taking Salmonella Seriously: Policies to Protect Public Health under Current Law
Missing in Action? Consumer Financial Protection Bureau Supervision and the Military Lending Act
Consumer Attitudes Toward Fuel Economy Standards
Report on Testing of Proposed Customer Relationship Summary Disclosures
A Settled Matter: Mandatory Shareholder Arbitration Is Against the Law and the Public Interest
2017 Consumer Complaint Survey Report
Fuel Economy Standards: There is No Tradeoff with Safety, Cost and Fleet Turnover
The Large Bank Protection Act
Auto Dealer Markups, Jim Crow Finance, and the Congressional Review Act
Antitrust Practice, Economic Evidence, and Market Reality
A Needle in a Haystack - Finding Funeral Prices Online in 26 State Capitals
Trump's $2 Trillion Mistake, The "War on Energy Efficiency"
Mega-Mergers in the U.S. Seed and Agrochemical Sector
The Potential for Consumer Cost Savings Through Retailer Display of Signage About LED Light Bulbs
Going Local: Initiatives to Reduce Antibiotics in the Food Supply
Private Passenger Auto Premiums and Rating Factors – Are They Actuarially Sound?
2016 Consumer Complaint Survey Report
An Analysis of Consumer Savings and Automaker Progress On the Road to 2025 CAFE Standards
The Federal Home Loan Bank System: A Chronological Review and Discussion of Key Issues
Consumer Views and Behavior Relating to Light Bulbs: Findings of a National Survey
Death with Dignity? A Report on SCI/Dignity Memorial High Prices and Refusal to Disclose These Prices
Financial Advisor or Investment Salesperson? Brokers and Insurers Want to Have it Both Ways
Lower-Income Households and the Life Insurance Marketplace: Should We Be Concerned About Declining Participation?
Overcharged and Underserved: How a Tight Oligopoly on Steroids Undermines Competition
SaferProducts.gov: Five Years Live
Summary of State Car Title Lending Laws – Updated
The Tight Oligopoly on Steroids in the Digital Communications Sector
Cremation Services: Highly Variable and Misleading Pricing, Lack of Disclosure, and Violation of Federal Rules
CFA-NACPI 2015 Consumer Complaint Survey Report
Major Auto Insurers Raise Rates Based on Economic Factors
Credit Score Knowledge 2016 - Summary of Survey Results
Automakers Are on the Road to Meeting Fuel Efficiency Standards
Public Power and Rural Electric Leadership on Community Solar Initiatives
The Special Problem of Special Access: Consumer Overcharges and Telephone Company Excess Profits
Minefield of Risks: Taxpayers Face Perils from Unregulated Preparers
Strengthening the Internet Governance Model Through the Transition of the Internet Assigned Numbers Authority
Wrong Way: Wrecked by Debt - Auto Title Lending in Arizona
Public Views on Paid Tax Preparation
High Price of Mandatory Auto Insurance in Predominantly African American Communities
Best Practices for Identity Theft Services - Version 2.0
No Increase In Affordability Of Auto Insurance For Low- And Moderate-Income Households
2014 Consumer Complaint Survey Report
The Promise and Problems of HACCP: A Review of USDA’s Approach to Meat and Poultry Safety
The Future of the Internet as a Dominate Means of Communication and Commerce
Staying on the Road to 54.5 MPG by 2025: Riding the Gasoline Roller Coaster
Protecting Consumers at Tax Time: Federal and State Efforts to Address Common Problems Associated with Paid Tax Preparation
White Paper: Toward A U.S. Equity Market Structure That Serves All Investors
High Price of Mandatory Auto Insurance for Lower Income Households
2013 Consumer Complaint Survey Report
Enhancement of Protections on Consumer Credit for Members of the Armed Forces and Their Dependents
Buyer and Bottleneck Market Power Make the Comcast-Time Warner Merger "Unapprovable"
Decision Making in the Face of Complex Ambiguity: Mapping the FCC's Route to The Broadband Network Compact
ATVs on Roadways: A Safety Crisis
Electricity Consumption and Energy Savings Potential of Consumer Digital Devices
Consumers at Risk from Tax-Time Financial Products and Unregulated Preparers
Paying the Freight: Consumer Benefits of Increasing Fuel Economy for Medium and Heavy Duty Trucks
CFA Report Finds Wireless Broadband Providers Overcharge Consumers by $15 Billion Per Year
Can the Internet Transform Disclosures for the Better?
Uninsured Drivers: A Societal Dilemma in Need of a Solution
Use of Credit Scores by Auto Insurers Adversely Impacts Low- and Moderate-Income Drivers
CFA Report on Competitive Broadband Service Providers and The Baby Bell Duopoly
What Works: A Review of Auto Insurance Rate Regulation in America and How Best Practices Save Billions of Dollars
Report: Top 10 Threats of the Trans-Atlantic ‘Trade’ Deal to Americans’ Daily Lives
CFA Analysis on Zero Emission Vehicle Program finds Clean Car States Lead in Innovation
CFA Analysis Finds Energy-Efficiency Standards Correct Market Failures, Save Consumers and Businesses Money
New Research Shows Most American Households Do Financial Planning, But the Extent of This Planning Varies Greatly
CFA Summary of FTC Actions Related to Online Payday Loans
2012 - Consumer Complaint Survey Report
Policy Brief: Gaps in the Military Lending Act Leave Many Service Members Vulnerable to Abusive Lending Practices
Child Poverty, Unintentional Injuries and Foodborne Illness: Are Low-Income Children at Greater Risk?
On the Road to 54 MPG: A Progress Report on Achievability
Credit Score Knowledge 2013 Consumer Survey: Summary Results
Driven to Disaster: Car-Title Lending and It's Impact on Consumers
Something Old, Something New In Tax-Time Financial Products: Refund Anticipation Checks and the Next Wave of Quickie Tax Loans
Best Intentions: The Highs and Lows of the Home Affordable Modification Program
The Insurance Industry’s Incredible Disappearing Weather Catastrophe Risk
Have Restructured Wholesale Electricity Markets Benefitted Consumers?
Car-Title Loan Law Chart
CFA Report: Can Consumers Avoid Checking Fees?
The Financial Status and Decision-Making of the American Middle Class
2011 - Consumer Complaint Survey Report
2012 Household Financial Planning Survey
Household Financial Planning Survey Documents
A Key Step to Ending America's Oil Addiction
The End of the End of Competition for Digital Access Service
The Role of Antitrust in Protecting Competition, Innovation and Consumers as the Digital Revolution Matures: The Case Against the Universal-EMI Merger and E-Book Price Fixing
CFA's 2012 Survey of 14 Largest Banks' Overdraft Loan Fees and Terms
Low Ball: An Insider’s Look at How Some Insurers Can Manipulate Computerized Systems to Broadly Underpay Injury Claims
The Military Lending Act Five Years Later
Employee Knowledge and Attitudes about Employer-Provided Disability Insurance
Best Practices for Identity Theft Services: How Are Services Measuring Up?
2012 CFA/NCLC Refund Anticipation Loan Report
2012 CFA/NCLC Refund Anticipation Loan Report: The Party’s Over for Quickie Tax Loans: But Traps Remain for Unwary Taxpayers
Lower-income Households and the Auto Insurance Marketplace: Challenges and Opportunities
Why Growing Up is Hard to Do: The “Quarter-life Crisis” of the Digital Revolution in the Transition from a Public Switched Telephone Network to a Public Digital Communications Network
A Case Of Wall Street “Déjà Vu All Over Again” Excessive Speculation And Oil Price Shock Recessions
Gasoline Prices and Expenditures Report
CFA's Updated Survey of 14 Largest Banks' Overdraft Fees
CFA Survey of Online Payday Loan Websites
2010 - Consumer Complaint Survey Report
One Year After: A Progress Report on the Dodd-Frank Wall Street Reform and Consumer Protection Act
Setting the Record Straight on Increasing Fuel Economy Standards
Proposed Qualified Residential Mortgage Definition Harms Creditworthy Borrowers While Frustrating Housing Recovery
Will Policymakers Get Serious About Ending Our “Addiction to Oil” by Supporting 60 MPG Fuel Economy Standard?
CFA Appliance Efficiency Report
Internet Access and Network Management Practices: The Public Remains Concerned and Wants Policies to Ensure Access
End of the Rapid Rip-Off: The NCLC/CFA 2011 Refund Anticipation Loan Report
A Responsible Market for Housing Finance – A Progressive Plan to Reform the U.S. Secondary Market for Residential Mortgages, by the Mortgage Finance Working Group
Miscellaneous Observations on Life Insurance: Including an Update to 2007 Paper on Variable Universal Life
Consumer Protection in Cloud Computing Services: Recommendations for Best Practices
Public Support for a 60 Mile Per Gallon Fuel Economy Standard
Prepaid Cards: Second-Tier Bank Account Substitutes
Recipe for Disaster: Food Recalls Proliferate While Food Safety Fix Awaits Action
Setting the Next Round of Fuel Economy Standards: Consumers Benefit at 60 Miles Per Gallon
2009 - Consumer Complaint Survey Report
Consumer Complaint Websites: An Assessment
U.S. Oil Market Fundamentals and Public Opinion
Major Changes in the Quick Tax Refund Loan Industry: the NCLC/CFA 2010 Refund Anticipation Loan Report
Building on the Success of Energy Efficiency Programs to Ensure an Affordable Energy Future: State By State Savings on Residential Utility Bills
CFA's Director of Insurance with Americans for Insurance Reform on Insurer "Tort Cost" Report
Re-Engineering the Mortgage Finance System: Charting a Future Course for the Secondary Market
Shifting Fuel Economy into High Gear
Fringe Financial Product Privacy and Security White Paper
CFA Handbook Federal and State Legal Protections of Consumers' Financial Information Privacy and Security
CFA Survey: Sixteen Largest Bank Overdraft Fees and Terms
2008 - Consumer Complaint Survey Report
A Consumer Analysis of Energy Efficiency and Renewable Energy Standards: The Cornerstone of Consumer-Friendly Energy/Environmental Policy
Bulk Commodities and the Rails: Still Crazy After All These Years
Reform of Financial Markets Issue Brief
Reform of Financial Markets Report
To Catch a Thief: Are Identity Theft Services Worth the Cost?
Big Business, Big Bucks: Quickie Tax Loans Generate Profits for Banks and Tax Preparers while Putting Low-Income Taxpayers at Risk. The NCLC/CFA 2009 Refund Anticipation Loan Report
The Financial Condition of Women on Their Own
State Insurance Department Websites: A Consumer Assessment
Understanding the Emergency Savings Needs of Low and Moderate Income Households: A Survey-Based Analysis of Impacts, Causes, and Remedies
A Boom for Big Oil – A Bust for Consumers: An Analysis of Policies to Meet American Energy Needs
50-State Small Dollar Loan Scorecard Statutory Backup
50-State Small Dollar Loan Scorecard
Fuel Economy and Auto Sales: Automakers and the National Highway Traffic Safety Administration Ignore Market Signals
2007 - Consumer Complaint Survey Report
TOTAL RECALL: The Need for CPSC Reform Now
Alcohol Facts Poster
The Essential Role of Banks and Credit Unions in Facilitating Lower-Income Household Saving for Emergencies
State Automobile Insurance Regulation: A National Quality Assessment and In-Depth Review of California's Uniquely Effective Regulatory System
Ending America's Oil Addiction: A Quarterly Report on Consumption, Prices and Imports First Quarter, 2008
Coming Down: Fewer Refund Anticipation Loans, Lower Prices from Some Providers, But Quickie Tax Refund Loans Still Burden the Working Poor: The NCLC/CFA 2008 Refund Anticipation Loan Report
Rising Gasoline Prices: Why Can't Consumers Catch a Break?
A Consumer Analysis of the Adoption of the California Clean Cars Program in Other States: Arizona
California Subprime Study
Property/Casualty Insurance in 2008: Overpriced Insurance and Underpaid Claims Result in Unjustified Profits, Padded Reserves, and Excessive Capitalization
A Step Toward s Brighter Energy Future: Policymakers Break the Logjam, But Vigorous Implementation Is Crucial
A Consumer Analysis of the Adoption of the California Clean Cars Program in Other States: New Mexico
Variable Universal Life Insurance: Worth Buying Now?
No Time to Waste: America's Energy Situation is Dangerous, But Congress Can Adopt New Policies to Secure Our Future
Technology, Cost and Timing: An Analysis of Competing Congressional Proposals to Raise Fuel Economy Standards
Florida's Stake in the Fuel Economy Battle: An Analysis of the Economic, National Security and Environmental Impacts of Florida's Fuel Consumption and Increasing Federal Fuel Economy Standards
Big Oil v. Ethanol: The Consumer Stake in Expanding the Production of Liquid Fuels
The "Good Hands" Company or A Leader in Anti-Consumer Practices? Excessive Prices and Poor Claims Practices at The Allstate Corporation
Still Stuck in Neutral: America's Continued Failure to Improve Motor Vehicle Fuel Economy
Too Little, Too Late: Why the Auto Industry Proposal to Go Low and Slow on Fuel Economy Improvements is Not in the Consumer or National Interest
Greater Fuel Economy Gains in Senate Commerce Bill than Auto Industry Proposal
Rural Households Benefit More from Increases in Fuel Economy
National Cost-Benefit Analysis of Increasing Fuel Economy by 10mpg Over 10 Years
CPSC Powers of the Chairman
Congressional Intent of CPSC
Organizations Opposed to Baroody
The Wrong Person for the Job: Consumer Groups Express Concern about Nominee to Head Consumer Product Safety Commission
One Step Forward, One Step Back: Progress Seen in Efforts Against High Priced Refund Anticipation Loans, But Even More Abusive Products Introduced
Property/Casualty Insurance in 2007: Overpriced Insurance, Underpaid Claims, Declining Losses and Unjustified Profits
Nontraditional Real Estate Brokers: Growth and Challenges
Women are Prime Targets for Subprime Lending
Pay Stub and Holiday RALs: Faster, Costlier, Riskier in the Race to the Bottom
Consumers Pay Steep Premium to "Bank" at Check Cashing Outlets
Stuck In Neutral: America's Failure to Improve Motor Vehicle Fuel Efficiency 1996-2005
Subprime Locations: Patterns of Geographic Disparity in Subprime Lending
Time to Change the Record on Oil Policy
State Real Estate Regulation: Industry Dominance and Consumer Costs
How the Real Estate Cartel Harms Consumers and How Consumers Can Protect Themselves
Investors' Mutual Fund Purchase Practices
The Impact of Delivery Channels for Credit Counseling Services
A Blueprint for Energy Security: Addressing Consumer Concerns about Gasoline Prices and Supplies by Reducing Consumption and Imports
Exotic or Toxic? An Examination of the Non-Traditional Mortgage Market for Consumers and Lenders
50 by 2030: Why $3.00 Gasoline Makes the 50 Mile per Gallon Car Feasible, Affordable and Economic
Cow Sense: The Bush Administration's Broken Record on Mad Cow Diseases
2006 Best and Worst Fuel Economy Ratings
Another Year of Losses: High-Priced Refund Anticipation Loans Continue to Take a Chunk Out of Americans' Tax Refunds
The Importance of the Internet and Public Support for Network Neutrality: National Survey Results
Driven into Debt: CFA Car Title Loan Store and Online Survey
Subprime Cities: Patterns of Geographic Disparity in Subprime Lending
The Impact of Rising Prices on Household Gasoline Expenditures
Weaning the Insurance Industry and Large Commercial Policyholders from Taxpayer Subsidies under the Terrorism Risk Insurance Act
Broken Promises and Strangled Competition: The Record of Baby Bell Merger And Market Opening Behavior
Consumers Face Hidden Overdraft Charges From Nation's Largest Banks
Car Title Lending: Driving Borrowers to Financial Ruin
The Impact of Commissions on Prices and Service Quality for Home and Automobile Insurance
Consumer Complaint Survey Report 2005
Contingent Insurance Commissions: Implications for Consumers
Refund Anticipation Loans Still Slicing Into Low-Income American's Hard-Earned Tax Refunds
Responding To Turmoil In Natural Gas Markets
Not "Ready to Eat": How the Meat and Poultry Industry Weakened Efforts to Reduce Listeria Food Poisoning
How High-Priced Lenders Use the Internet to Mire Borrowers in Debt and Evade State Consumer Protections
Expanding the Digital Divide and Falling Behind on Broadband
Report on the Racial Impact of AHFC's Finance Charge Markup Policy
Fueling Profits: Industry Consolidation, Excess Profits & Federal Neglect
The Terrorism Risk Insurance Act: Should It Be Renewed?
Unsafe and Unsound: Payday Lenders Hide Behind FDIC Bank Charters to Peddle Usury
All Drain, No Gain: RALs Continue to Sap the Hard-Earned Tax Dollars of Low-Income Americans
The Hidden Markup of Auto Loans: Consumer Costs of Dealer Kickbacks and Inflated Finance Charges
A Pro-Investor Blueprint for Mutual Fund Reform
Consumer Complaint Survey Report 2003
Spring Break in the U.S. Oil Industry: Price Spikes, Excess Profits and Excuses
Electricity Deregulation Puts Pressure on the Transmission Network and Increases its Cost
ATV Safety Crisis: America's Children STILL at Risk
Mass Deregulation of Media Threatens to Undermine Democracy
Promoting the Public Interest Through Media Ownership Limits
Media Ownership Limits Serve The Public Interest
Credit Counseling in Crisis: The Impact on Consumers of Funding Cuts, Higher Fees, and Aggressive New Market Entrants Placement
A Discouraging Word About Electricity Restructuring
Concentration in California's Local Media Markets
Variable Universal Life Insurance: Is it Worth it?
The High Cost of Quick Tax Money: Tax Preparation, 'Instant Loans, and Check Cashing Fees Target the Working Poor
Credit Score Accuracy and Implications for Consumers
Executive Summary: Democratic Discourse in the Digital Information Age
Consumer Complaint Survey Report 2002
CFA Holiday Spending Survey 2002
Public Support for Media Diversity and Democracy in the Digital Age
All Pain, No Gain: Restructuring and Deregulation in the Interstate Electricity Market
ATV Safety Crisis: America's Children at Risk
Playing It Safe: The Sixth Nationwide Safety Survey of Public Playgrounds
Financial Planning Association of Greater Hudson Valley Technical Aspects in Evaluating Cash Value Life Insurance Policies
Grading the First Round of Drinking Water Right to Know Reports