My Article on the CFPB’s Consumer Testing Published in the Journal of Public Policy & Marketing

An article I authored titled “The Consumer Financial Protection Bureau’s Consumer Research: Mission Accomplished?” will be published in the spring issue of the Journal of Public Policy & Marketing (JPPM).  The issue is due out in a few weeks, but I wanted to share my article with you in advance.  The article first introduces the reader to the CFPB, and then analyzes the CFPB’s consumer research for its disclosure rulemakings and other initiatives, such as its mortgage servicing rule, prepaid card rule, consumer complaint database, and HMDA rule.  The article questions whether the CFPB has conducted enough research for these projects and suggests ways in which the CFPB could improve its work.

Of note is that the CFPB also authored a companion article in this issue of JPPM, which discusses the CFPB’s research efforts for its disclosure rules.  It is also worth reading.

Here are links to both articles: and

Please let me know if you’d like to discuss any of the issues in the article.