The Consumer Financial Protection Bureau has begun taking complains in two major consumer markets, deposit accounts and student loans, and has quietly begun beta testing to integrate complaints on auto loans and other consumer installment loans.

Barbara Mishkin of Ballard Spahr’s Consumer Financial Services Group said it is still unclear how the bureau intends to use the information.

“This kind of data they’re going to get through this…is not the typical data that’s used in rulemaking,” Ms. Mishkin said. “This is a fairly unique process. I don’t think any of the banking agencies ever had a complaint process like this.”