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Category: Data, research, and reports |
Published

New risks emerge as line between payments and commerce blurs

Innovations across the payments ecosystem are transforming how people access financial products and services. However, the ease and utility of these services may raise concerns if peoples’ financial data is aggregated and monetized without their full awareness, knowledge, or permission.

Category: At the CFPB |
Published

Technologists wanted

The CFPB is hiring product managers, designers, engineers, data scientists, and more to help detect and prevent unfair, deceptive, and abusive practices in financial markets.

Category: At the CFPB |
Published

Accepting applications for CFPB advisory committees

Beginning on Tuesday, July 5, we’re accepting applications to serve on our four advisory committees, which provide insight and advice as we carry out our work. Applications are due by July 24, 2022. Credit Union Advisory Council, Community Bank Advisory Council, Consumer Advisory Board, Academic Research Council.

Category: Data, research, and reports |
Published

New report explores the impact of credit card line decreases on consumers

Access to credit plays a critical role in financial resiliency, especially during an economic downturn. Credit card companies used credit card line decreases to reduce their credit exposure during the Great Recession and the COVID-19 pandemic. New research explores the impact of credit line decrease decisions on consumers.

Category: Director's notebook | Category: Policy and compliance |
Published

Rethinking the approach to regulations

Markets work best when rules are simple, easy to understand, and easy to enforce. The CFPB is seeking to move away from highly complicated rules that have long been a staple of consumer financial regulation and towards simpler and clearer rules. In addition, the CFPB is dramatically increasing the amount of guidance it is providing to the marketplace, in accordance with the same principles.

Category: Data, research, and reports |
Published

CFPB publishes Beginner’s Guide to Accessing and Using Home Mortgage Disclosure Act Data

We’ve published a Beginner’s Guide to Accessing and Using Home Mortgage Disclosure Act Data, a resource for those interested in using these comprehensive data on the U.S. mortgage market. The Guide covers the basics of what HMDA data are and how to access them, as well as a step-by-step guide for creating certain data summaries.