To File or Not to File: Consumer Complaints After CFPB Enforcement Actions

Together, the results show that public enforcement actions change which customer problems enter regulator-managed processes as formal complaints and that, at Wells Fargo, the disclosure action coincides with weaker monitored response performance.

August 2026 · Nicholas R. Pusateri (coauthored with Syed Muhammad Ishraque Osman) · Under review · Applied Economics
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