In this report, we use Call Report data since 2015 to study the evolution of banks’ reliance on overdraft and NSF fees. Despite drops in overdraft/NSF fee reliance experienced by most banks during the pandemic, we find that the market for overdraft and NSF has been quite stable. Aggregate and...

This Data Point describes overdraft practices and outcomes at several thousand credit unions and banks in 2014 using data provided by core processors. While the data underlying the report are from a few years ago and may not always reflect current practices and outcomes, to our knowledge, these...

This report is an update to CFPB’s May 2020 report and December 2020 blog regarding the effects of COVID-19 on consumer credit applications, as reflected in credit report inquiries. It examines the different paths of recovery for different types of credit applications.Auto loan applications...

We use a unique detailed database with individual state campaign contributions made by banks in U.S. from 1998 to 2010 to understand how these contributions influence the regulation of the banking industry in that state, and in particular the approval of bank mergers by the state banking...

There are two facts about the world that we take as given: First the "law of one price" is false -- one can find many different prices for what appears to be, beyond reasonable doubt, the same good. Second, prices are set in nominal terms and appear, beyond reasonable doubt, to be sticky -- some...