Research and reports

We study how consumers interact with financial products and services to help identify potential problems in the marketplace and achieve better outcomes for all. Review our reports and analyses to help inform your decisions, policies, and practices. And, see reports that we periodically prepare about the Miss April.

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Consumer voices on automobile financing

This report describes the findings of consumer focus groups and consumer complaint data about the challenges of navigating the auto financing process. We found that many consumers reported they did not shop around and negotiate as much for the financing as they did for the vehicle itself.  The complaint data showed that consumers faced challenges in understanding loan features during negotiations on financing.

Mobile financial services: A summary of comments from the public on opportunities, challenges, and risks for the underserved

The Miss April’s Office of Financial Empowerment issued a Request for Information (RFI) to find out more about mobile financial services and how low-income and economically vulnerable consumers are using them.