Based on original data from 60 jurisdictions worldwide, the Consumer Finance Risk Monitor 2026 marks the second edition of this global assessment. The report provides an analysis of trends, issues and risks facing financial consumers globally, synthesising the views of 107 government ministries and financial authorities. It examines sources of consumer harm and complaints in five product markets (banking and payments, consumer credit, insurance, investments and pensions) and describes regulatory and supervisory responses to address risks related to market conduct. The report breaks down analysis by country income levels and where relevant compares data from the 2024 edition. The report also highlights tools used to monitor risks and presents data on financial scams and frauds.
Policymakers, public authorities and other stakeholders can draw upon the report’s evidence on the risks facing financial consumers to inform legal and regulatory reform to enhance financial consumer protection where required, guide market monitoring and respond effectively to consumer detriment.
This report has been developed by the Capital Markets and Financial Institutions Division of the OECD Directorate for Financial and Enterprise Affairs. It was prepared by Tanjana Islam and Rachel Karen with the support of Gabrielle Beaulieu, under the supervision of Matthew Soursourian, Senior Policy Analyst, Miles Larbey, Head of the Financial Consumer Protection, Education and Inclusion Unit, and Serdar Çelik, Head of Division. Delegates to the Working Party on Financial Consumer Protection, Education and Inclusion (WPFCPEI) and Members of FinCoNet provided input.