Page 1 of 15

CONSUMER FINANCIAL PROTECTION BUREAU

INFORMATION COLLECTION REQUEST –

DEBT COLLECTION SURVEY FROM THE CONSUMER CREDIT PANEL

(OMB CONTROL NUMBER: 3170-XXXX))

ABSTRACT: The CFPB plans to conduct a mail survey of consumers to learn about their 

experiences interacting with the debt collection industry. The survey will ask consumers about 

their experiences with debt collectors, such as whether they have been contacted by debt 

collectors in the past, whether they recognized the debt that was being collected, and about their 

interactions with the debt collectors. The survey will also ask consumers about their preferences 

for how they would like to be contacted by debt collectors, opinions about potential regulatory 

interventions in debt collection markets, and about their knowledge of their legal rights regarding 

debt collections. The information collected through this survey will be used to inform a CFPB 

rule making concerning debt collection and research purposes.

The Dodd-Frank Wall Street Reform and Consumer Protection Act and other federal 

consumer financial laws authorize the Consumer Financial Protection Bureau (CFPB or Bureau) 

to engage in consumer protection rule writing. This PRA clearance is to collect survey data in 

support of CFPB rulewriting around debt collection. The CFPB issued an advance notice of 

proposed rulemaking concerning debt collection on November 6th, 2013. In order for the Bureau 

to improve its understanding of the debt collection market, the CFPB proposes a research project

using the Consumer Credit Panel (CCP), a proprietary sample dataset from one of the national

credit reporting agencies, to survey people who may have had debts in collection.

A. JUSTIFICATION

1. Circumstances Necessitating the Data Collection

The Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act) 

and other federal consumer financial laws authorize the CFPB to engage in research and 

general market monitoring activities, to assess trends and emerging risks in consumer 
Page 2 of 15

financial markets.

12

The Bureau relies on empirical evidence and rigorous research to 

improve its understanding of consumer financial markets for regulatory purposes. 

On November 6th, 2013, the CFPB issued an advance notice of proposed rulemaking 

concerning debt collection. This PRA clearance is to collect survey data in support of 

CFPB rulewriting concerning debt collection and for research and market monitoring 

purposes. The main law that governs debt collection and protects consumers is the 1977 

Fair Debt Collection Practices Act (FDCPA). In 2010, the Dodd-Frank Act revised the 

FDCPA, making the Bureau the first agency with the power to issue substantive rules 

under the statute. The Bureau may also address concerns related to debt collection using 

its authority under the Dodd-Frank Act to issue regulations concerning unfair, deceptive, 

or abusive acts or practices and to establish disclosures to assist consumers in 

understanding the costs, benefits, and risks associated with consumer financial products 

and services.3

There are many businesses in the multi-billion dollar debt collection market. Banks 

and other original creditors may collect their own debts or hire third-party debt collectors. 

Original creditors and other owners of debts also may sell their debts to debt buyers, who 

may collect on the purchased debts or hire third-party debt collectors to recover them. It 

is estimated that there are more than 4,500 debt collection firms in the U.S. 

Debt collection has long been one of the most complained-about subject areas to 

government regulators, including the Federal Trade Commission. Since July 2013, when 

 

1 DFA Section 1013(b)(1) mandates that the Bureau have research staff whose responsibilities include 

“[r]esearching, analyzing, and reporting on (A) developments in markets for consumer financial products or 

services, including market areas of alternative consumer financial products or services with high growth rates and 

areas of risk to consumers; (B) access to fair and affordable credit for traditionally underserved communities; (C) 

consumer awareness, understanding, and use of disclosures and communications regarding consumer financial 

products or services; (D) consumer awareness and understanding of costs, risks, and benefits of consumer financial 

products or services; (E) consumer behavior with respect to consumer financial products or services, including 

performance on mortgage loans; and (F) experiences of traditionally underserved consumers, including un‐banked 

and under‐banked consumers.”

2 DFA Section 1022(c)(4) directs that “in order to support its rulemaking and other functions, the Bureau shall 

monitor for risks to consumers in the offering or provision of consumer financial products or services, including 

developments in markets for such products or services.”

3 DFA Section 1031, 1032.
Page 3 of 15

the CFPB began accepting debt collection complaints, it has been one of the highest 

categories of grievances. Consumers report that some collectors harass them, demand 

amounts they do not owe, or threaten dire circumstances if they fail to pay, such as jail.

The Bureau is interested in learning about the debt collection system, about consumer 

experiences with the debt collection system, and about how rules for debt collectors 

might protect consumers without imposing unnecessary burdens on industry. The CFPB 

is particularly interested in the accuracy of the information used by debt collectors, 

ensuring that consumers know their rights, and the communications tactics employed by 

debt collectors. The survey proposed is designed to elicit this information from 

consumers, who in many cases are the only source of this type of information. 

2. Use of the Information

The CFPB requests approval from the Office of Management and Budget (OMB) 

for a clearance that will allow the Bureau to collect data through a survey to support 

rulemaking concerning debt collection and for research and market monitoring regarding 

this industry. Data collected in this survey will be used to inform rulemaking as well as 

for research purposes. 

The clearance includes pretesting the questionnaires to ensure the collection of 

reliable information while minimizing respondent burden and costs. For example, the 

Bureau may use cognitive interviewing or pretesting to gauge the effectiveness of the 

survey questions and whether respondents understand each question.

This survey is a one-time data collection. A sample of consumers in the United 

States will be randomly drawn from the CCP, a 1-in-48 random sample of de-identified 

credit records acquired from one of the three national credit reporting agencies. The 

CFPB will draw the sample, inform the credit reporting agency of which credit records 

were selected, and the credit reporting agency (which unlike the CFPB has access to the 

direct identifying information related to these records) will mail a copy of the survey 

instrument to consumers whose records were selected. Consumers will be able to 

respond to the survey either by mailing back the paper version of the survey instrument 

using a prepaid envelope or online. All responses will be collected by the credit reporting 
Page 4 of 15

agency, or a subcontractor, which will remove any direct identifying information that 

respondents may have included, convert the responses into an electronic format, and 

transmit the responses to the CFPB. While the respondents will remain anonymous to the 

CFPB, the survey responses will be supplied with a key that allows the responses to be 

matched with the sampled credit record.

In broad terms, the survey will ask consumers about their experiences with debt 

collectors. Consumers will be asked whether they have been contacted by debt collectors 

in the past, whether they recognized the debt that was being collected, and about their 

interactions with the debt collectors. The survey will also ask consumers about their 

preferences for how they would like to be contacted by debt collectors, opinions about 

potential regulatory interventions in debt collection markets, and about their knowledge 

of their legal rights regarding debt collections. A copy of the proposed survey instrument 

is included as part of this notice.

The information collected from this survey will be used to support a potential 

Bureau rulemaking on debt collection. As evidenced in the recent advance notice of 

proposed rulemaking, the Bureau is considering rules concerning debt collection under 

the FDCPA and the Dodd-Frank Act. The Bureau is particularly interested in areas of 

consumer harm within the debt collection system. To that end, the CFPB is interested in 

improving the adequacy of information transferred with debts when debts are placed with 

a collector or sold to a debt buyer. The Bureau would also like to improve the validation, 

dispute, and verification processes to ensure that consumers are receiving accurate and 

useful information and have the ability to dispute invalid debts. In addition, the CFPB is 

considering rules governing communications between collectors, consumers, and third 

parties, including issues relating to technologies introduced in the 36 years since the 

FDCPA was enacted. The Bureau may also clarify or expand prohibitions on unfair, 

deceptive, and abusive acts or practices. Finally, the CFPB may issue rules relating to the 

collection of time-barred debt, litigation practices, recordkeeping, or registration of debt 

collectors.

In addition, survey responses may be used in research projects to better 
Page 5 of 15

understand how the debt collection process works for consumers and for creditors. This 

research will take the form of published research studies or articles in academic journals. 

Additionally, survey responses may be used to estimate the extent to which information 

about debt collections reported in credit records represents the universe of debt collection 

activities, results from which may be used in conjunction with future samples of the CCP 

to monitor activity in debt collection markets.

The CCP credit record data are proprietary and cannot be shared publicly. To 

allow outside researchers and other interested parties to learn about debt collection 

activities from these data, the CFPB may make a version of the survey data publicly 

available to the extent that such release is legally permissible and consistent with 

protecting consumers’ privacy. Any public-release version of the data would be deidentified and would exclude any direct identifying information. In addition, the CFPB 

may withhold some data elements or take other steps to protect the privacy of 

respondents in any publicly available version of the data.

3. Use of Information Technology

Surveys will be sent by mail to sampled consumers, who will have the option of 

filling out the paper survey and mailing it back using a prepaid envelope or completing 

the survey online. Any paper surveys that are received will be electronically scanned by

a subcontractor of the credit reporting agency, stripped of any direct identifying 

information that the respondent may have included, and converted to an electronic 

format. The data will then be transmitted to the CFPB using a secure FTP server.

4. Efforts to Identify Duplication

There is little information available about the debt collection market. Consumer 

complaints are useful for identifying areas of consumer harm, but may be subject to 

selection bias and may therefore not be representative of the average consumer collection 
Page 6 of 15

experience. The credit records that we use as our sampling frame provide perhaps the 

most comprehensive source of information available about debt collection accounts. 

These data include information about the collection account, such as the original dollar 

amount of the debt, the date the debt was incurred, the current amount owed, and the 

categegory of expenditure that generated the debt (e.g., medical care, utility bills, 

insurance). Because we have the credit records for each survey respondent (and nonrespondent), we will be able to incorporate this information and avoid having to ask 

respondents detailed information about their collection accounts.

The information that we intend to collect through these surveys, which includes 

detail about each surveyed consumer’s experiences with the debt collection agency and 

potentially information about debts that are not included in the credit records, is not 

available through other sources.

5. Efforts to Minimize Burdens on Small Entities

No small businesses will be impacted by this study, as survey respondents will be 

individuals only.

6. Consequences of Less Frequent Collection and Obstacles to Burden Reduction

The proposed clearance will allow the Bureau to collect information on the debt 

collection market from consumers, allowing us to develop a more complete 

understanding of this market and consumers’ experiences with it. Without this data 

collection, policy development at the Bureau will not be as well informed, and the CFPB 

will not be able to achieve its mission as effectively. Since this is a one-time data 

collection, less frequent collection is not possible.

Where appropriate, the CFPB plans to make the results of any research conducted 

using these data publicly available. Additionally, where legally permissible and 

consistent with protecting consumers’ privacy, we envision making the collected survey 

data available to researchers outside of the CFPB and to the public. Therefore, the data to 

be collected under this proposed clearance will not only improve the CFPB’s 
Page 7 of 15

understanding of consumer financial markets, but also increase the knowledge of 

researchers and other policymakers. 

7. Circumstances Requiring Special Information Collection

There are no special circumstances that require the CFPB to conduct the 

information collection in a manner inconsistent with the guidelines provided in 5 CFR 

1320.5(d)(2). 

8. Consultation Outside the Agency

In accordance with 5 CFR 1320.8(d)(1), the Bureau has published a notice in the

Federal Register allowing the public 60 days to comment on this proposed new collection 

of information. Further and in accordance with 5 CFR 1320.5(a)(1)(iv), the Bureau will 

publish a notice in the Federal Register allowing the public 30 days to comment on the 

submission of this information collection request to the Office of Management and 

Budget.

9. Payments or Gifts to Respondents

Survey recipients will receive a cash payment, currently expected to be five 

dollars, as an inducement to complete and return the survey questionnaire. Recipients 

who fail to respond to the initial survey solicitation may receive an additional cash 

inducement of a similar amount.

Meta-analyses of mail surveys find that incentives given initially with the 

questionnaire yield significantly higher response rates than do incentives contingent on 

return of the survey or no incentives; furthermore, monetary incentives produce a 

stronger effect that non-monetary incentives.4,5 Many recurring federally-funded surveys 

 

4 Allan H. Church, “Estimating the Effect of Incentives on Mail Survey Response Rates: A Meta-Analysis,” Public 

Opinion Quarterly 57, no. 1 (1993): 62-79.
Page 8 of 15

use monetary incentives, including the Survey of Consumer Finances, the Survey of 

Income and Program Participation, and the National Survey of Drug Use and Health, and 

self-administered surveys such as the Survey of Doctorate Recipients, the National 

Survey of Recent College Graduates, and the National Survey of Mortgage Borrowers.

6

Incentives have consistently been found to improve response rates across a variety of 

survey topics and modes.7,8 Incentives have been found to be cost-effective in different 

modes, often reducing the effort required to contact and interview sample persons or 

reduce the number of follow-up mailings.9,10,11

10. Assurances of Confidentiality

CFPB shall treat the information in accordance with applicable federal law, 

including but not limited to the Bureau’s confidentiality rules, 12 C.F.R. Part 1070, and the 

federal laws and regulations that apply to federal agencies for the protection of 

confidentiality of personally identifiable information (PII) and for data security and 

integrity. These protections include stipulating in most instances that contractors that collect 

data on behalf of the Bureau remove or redact all direct identifying information before 

transmitting data to the Bureau and that any contractor staff assigned to the project sign 

confidentiality agreements. When appropriate, research results will be presented in 

aggregated form to protect the confidentiality of firms or consumers, and any publicly 

released version of data will use disclosure protection techniques (e.g., rounding, 

imputation, exclusion of some variables, aggregation of categorical responses) to minimize 

 

5

Phil Edwards, Ian Roberts, Mike Clarke, Carolyn DiGuiseppi, Sarah Pratap, Reinhard Wentz, and Irene Kwan, 

“Increasing Response Rates to Postal Questionnaires: Systematic Review,” British Medical Journal324 

(2002):1183-1189.

6

Fan Zhang, “Incentive Experiments: NSF Experiences,” NSF Working Paper, 2010.

7 Eleanor Singer (2002), “The Use of Incentives to Reduce Nonresponse in Household Surveys.” In R.M. Groves, 

D.A. Dillman, J.L. Eltinge, and R.J.A. Little (eds), Survey Nonresponse. New York: Wiley, pp. 163-177.

8 Eleanor Singer, and Cong Ye (2013), “The Use and Effects of Incentives in Surveys.” The Annals of the American 

Academy of Political and Social Science, 645 (1):112–141.

9 Martha Berlin et al. (1992), “An Experiment in Monetary Incentives.” Proceedings of the Survey Research 

Methods Section, American Statistical Association, pp. 393-398.

10 Eleanor Singer, John Van Hoewyk, and M. Patricia Maher (2000), “Experiments with Incentives in Telephone 

Surveys.” Public Opinion Quarterly, 64 (2): 171-188.

11 Gwen L. Alexander et al. (2008), “Effect of Incentives and Mailing Features on Recruitment for an Online Health 

Program.” American Journal of Preventive Medicine, 34 (5): 382-388.
Page 9 of 15

the risk of releasing direct identifying PII or otherwise sensitive information (12 CFR 

1070.40 et seq.). 

Consistent with the Privacy Act and the E-Government Act, a Systems of Records 

Notice (SORN) has been published,12 and a Privacy Impact Assessment (PIA) will be 

submitted for approval, as appropriate. The SORN and PIA will document the ways in 

which participants’ direct identifying information will be collected, stored, and accessed.

Specific details regarding information handling will be specified in individual submissions 

under this generic clearance, but will conform to these broad guidelines.

11. Justification for Sensitive Questions

Questions about an individual’s finances, for example, how much a person makes or 

how much their mortgage costs each month, are commonly considered sensitive. 

Nonetheless, the CFPB must ask these questions in order to understand consumer behavior 

and recognize financial trends and emergent risks relevant to consumers. Because these 

types of questions are central to the CFPB mission, we believe that we are justified in asking 

these types of sensitive questions. 

In addition, some people may believe that questions about race or other 

socioeconomic factors may be considered sensitive. However, the CFPB is mandated to 

enforce fair lending laws and focus on risks to vulnerable populations, including service 

members, students, older Americans, and lower-income consumers. For this reason, we feel 

justified in asking these types of sensitive questions. For information collections involving 

questions of race/ethnicity, we will ensure that the OMB standards for Classification of 

Federal Data on Race and Ethnicity (Federal Register, October 30, 1997, Volume 62, 

Number 210, pages 58781-59790) are followed. 

Respondent participation is voluntary; subjects will be made aware of this fact. All 

respondents are free to opt-out of a data collection at any time and for any reason.

 

12 CFPB.022, https://www.federalregister.gov/articles/2012/11/14/2012-27582/privacy-act-of-1974-as-amended
Page 10 of 15

Administrative data for respondents and nonrespondents will be used to analyze 

nonresponse bias.

The CFPB will ensure that a citation is made to any applicable System of Records 

Notice (SORN) for the collection of direct identifying information, and that a Privacy 

Impact Assessment (PIA) is published.

12. Estimated Burden of Information Collection

The CFPB plans to mail surveys to up to 10,000 consumers and estimates a 34 

percent response rate. For the estimated 3400 consumers who fill out the survey, we 

estimate that completing the survey will take 20 minutes on average, for a total burden of 

68,000 minutes.

13. Estimated Total Annual Cost Burden to Respondents or Recordkeepers 

There are no capital/start-up or ongoing operation/maintenance costs associated 

with this information collection. Postage costs to return the survey questionnaire will be 

pre-paid by the survey contractor.

14. Estimated Cost to the Federal Government

Based on the expenses associated with similar survey projects, we expect this 

survey to cost approximately $200,000. This is the only cost to the government of this 

research project.

15. Program Changes or Adjustments

This is a new information collection request.

16. Plans for Tabulation, Statistical Analysis, and Publication
Page 11 of 15

We expect data collection to take at least two to three months. Once the data have 

been received, we expect data tablulation and preliminary data analyses to last another four

to five months. These tabulations and analytical results will be published in a publicly 

released research paper. We estimate this paper will be released 6-8 months from the time 

that data collection can begin. If any survey responses are released, they will be made 

publicly available at that time as well.

17. Display of Expiration Date

The Bureau plans to display the expiration date for OMB approval of the 

information collection on all instruments. 

18. Exceptions to the Certification Requirement

The Bureau certifies that this collection of information is consistent with the 

requirements of 5 CFR 1320.9, and the related provisions of 5 CFR 1320.8(b)(3) and is 

not seeking an exemption to these certification requirements.

Supporting Statement – Part B (2-3 pages)

1. Describe (including a numerical estimate) the potential respondent universe and any 

sampling or other respondent selection method to be used. Data on the number of 

entities (e.g., establishments, State and local government units, households, or 

persons) in the universe covered by the collection and in the corresponding sample 

are to be provided in tabular form for the universe as a whole and for each of the 

strata in the proposed sample. Indicate expected response rates for the collection as 

a whole. If the collection has been conducted previously, include the actual response 

rate achieved during the last collection.

The Bureau recently acquired a nationally representative sample of de-identified 

consumer credit records (the “Consumer Credit Panel” or “CCP”) from one of the three 

national credit reporting agencies. This sample is comprised of a 1-in-48 random sample 

of all credit records drawn from the credit reporting agency’s archive from December 

2012. The resulting sample includes approximately 5 million de-identified credit records, 
Page 12 of 15

representing the universe of approximately 240 million credit records. At the end of each 

calendar quarter, the CFPB receives updated credit records for these sampled consumers 

(if available) and a 1-in-48 sample of credit records that were newly created since the 

previous quarter. This sampling process was designed to provide an on-going panel of 

credit records that remains representative of the universe of credit records at each point in 

time. The contract with the credit reporting agency also allows for testing to verify that 

the panel remains representative.

The de-identified credit records that the CFPB receives carefully exclude any 

direct identifying information in order to maintain the anonymity and protect the privacy 

of sampled consumers. The records include information about the credit accounts, such 

as mortgages and credit cards, that are included in each consumer’s credit record (though 

the identity of the creditor is excluded from the information the CFPB receives). Also 

included is information about non-credit-related debts that have been reported by thirdparty collection agencies, monetary-related public records (like tax liens and bankruptcy 

filings), and details of any credit record inquiries made by lenders in response to an 

application for credit. The credit information in the CCP is used to monitor conditions in 

consumer credit markets, to study consumer behavior regarding credit, to evaluate the 

effects of consumer regulations, or to address other issues in support of the Bureau’s 

research, monitoring, and supervisory missions.

13

We plan to randomly select borrowers from the most recent quarter of the CCP to 

receive a survey. This process will oversample credit records with recent third-party 

collections for non-credit-related debts or credit accounts that appear to have entered 

collections in the recent past. The sample will also include credit records with no 

evidence of collection activity; among this group, we are considering oversampling credit 

records with lower credit scores or other indicators that may indicate a greater likelihood 

of having debt collections that are not reported to the credit reporting agencies.

 

13 Similar datasets are used by the Federal Reserve Board and the Office of the Comptroller of the Currency, so the 

CFPB is not unique among regulatory agencies in collecting this type of information in order to inform its 

policymaking.
Page 13 of 15

To the best of our knowledge, no survey like this of debt collections has 

previously been attempted. The closest effort in approach is likely the pilot of the

“continuation survey” of the National Survey of Mortgage Borrowers conducted by 

Freddie Mac. The continuation survey was sent to mortgage borrowers with an 

oversampling of consumers who were delinquent on their mortgages. Like the survey the 

CFPB seeks PRA approval to conduct, Freddie Mac’s survey was a mail survey sent to 

consumers who were randomly selected from a sample of credit records. The 

continuation survey oversampled mortgage borrowers who were delinquent on a 

mortgage. While this survey remains in the field, the response rate to date has been about 

33 percent. Since we are also surveying consumers who do not have mortgages and who 

therefore may be more mobile and harder to contact, we expect a lower rate of response 

to our survey.

2. Describe the procedures for the collection of information. 

As described in the question above, we plan to randomly select approximately 

10,000 credit records from the CCP. Unique record locators assigned to these credit 

records will be sent to the credit reporting agency along with a survey instrument that has 

been designed by CFPB staff. The credit reporting agency will identify the consumers 

associated with each sampled credit record, and mail the survey instrument. The credit 

reporting agency’s subcontractor will receive the responses that come in either by mail or 

online, strip off any direct identifying PII that may have been included in the consumer’s 

response, and send the de-identified information to the CFPB. This process, which has 

been successfully pilot tested for the National Survey of Mortgage Borrowers, allows the 

CFPB to survey consumers without revealing direct identifying PII directly to the 

Bureau.
Page 14 of 15

3. Describe methods to maximize response rates and to deal with issues of nonresponse. The accuracy and reliability of information collected must be shown to be 

adequate for intended uses. For collections based on sampling a special justification 

must be provided for any collection that will not yield “reliable” data that can be 

generalized to the universe studied. 

Obtaining sufficiently high response rates is a challenge for any survey. The 

CFPB intends to include a cash incentive with each survey to boost response rates. 

Additionally, the Bureau will incorporate lessons learned by the National Mortgage 

Database (NMDB)14 pilot team, comprised of staff from the CFPB, Freddie Mac, and the 

Federal Housing Finance Agency, which has pilot-tested a similar methodology for new 

or delinquent mortgage borrowers. Further, because we will have the de-identified credit 

records of both respondents and non-respondents to the survey, we anticipate using this 

information to model survey nonresponse and to adjust sample weights to ensure the 

survey is representative of American consumers. Finally, as noted below, the CFPB is 

considering examining the effects of alternative versions of the required Privacy Act 

Statement on survey nonresponse.

4. Describe any tests of procedures or methods to be undertaken.

The CFPB plans to test experimental instruments on a small scale prior to their use in 

full-scale experiments. These techniques are meant to reduce the total public burden of the 

information collection by ensuring that the large-scale information collection is optimized. 

In addition, the CFPB is considering examining whether differences in, say, the length of 

the Privacy Act Statement affect survey nonresponse. The CFPB understands that there has 

been limited research on this and related questions. If the CFPB concludes it is feasible and 

valuable to conduct this research in the context of this survey, the CFPB anticipates that it 

 

14 The National Mortgage Database (OMB No. 2590-0012) is a joint effort of FHFA and the CFPB and is a uniquely 

comprehensive database of information on the residential mortgage origination market. A key purpose of the NMDB

is to make accessible accurate, comprehensive information for monitoring the residential mortgage market. The need 

for the NMDB grew out of the subprime mortgage crisis that began in the United States in 2007. The subprime 

crisis, and the financial crisis that followed, revealed the extent to which regulators lacked sufficient data to foresee 

and adequately respond to a crisis in the mortgage markets. 
Page 15 of 15

would likely randomize across two versions of the Privacy Act Statement of differing length

as well as, possibly, the location of the statement (for example on the inside of the first page 

or the back page). To mitigate the potential effects of this experiment on overall survey 

response rates in the event there are sizable differences in response rates, the majority (say, 

80 or 90 percent) of sample cases would be assigned the version that the CFPB believes is 

more likely to produce a higher response rate.

5. Provide the name and telephone number of individuals consulted on statistical 

aspects of the design and the name of the agency unit, contractor(s), grantee(s), or 

other person(s) who will actually collect and/or analyze the information for the 

agency. 

Ken Brevoort (Supervisory Economist, Office of Research, CFPB) 

Brian Bucks (Economist, Office of Research, CFPB) 

Mick Couper (Research Professor, University of Michigan and Joint Program in 

Survey Methodology)