b'2021 ANNUAL REPORTCFA research helps us understand issues, inform consumers, and persuade policymakers to act in the consumer interest. Our three nationwide public opinion surveys influenced the public policy debate by providing support for funeral home disclosures and real estate brokerage reform. We also researched the marketplace and related public policy to demonstrate the need for consumer protections, the preservation of existing protections, or the rejection of anti-consumer measures.Because consumer education is a critical component of our mission, we continued our efforts to inform Americans about credit scores and saving and wealth building.REPORTSBanking/Credit:Black American Finances and Savings in a COVID Era; Traditional Savings Accounts: Are They Still Popular? Energy:Building a 21st Century Electricity Sector with Efficiency, Distributed Resources and Dynamic Management Consumer Protection/Privacy:2021 Consumer Complaint Survey Report Funerals:The Relationship between Funeral Price Disclosures and Funeral Prices: A California Case Study; An Evaluation of Consumer Information Provided by State Funeral Regulators Investor Protection:Climate and ESG Rules Should be Written by SEC Not Outside Party Insurance:Watch Where Youre Going: Whats Needed to Make Auto Insurance Telematics Work for ConsumersReal Estate:The Availability of Consumer Information From State Real Estate Commissions; Double-Dipping by Real Estate Agents: Risks and Costs to Home Buyers & Sellers; State Real Estate Commissions: Do They Serve the Consumer Interest?; The Relationship of Residential Real Estate Commission Rates to Industry Structure and Culture16 Consumer Federation of America'