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Category: Data, research, and reports

Aggregate credit card borrowing exhibits end-of-year seasonal patterns which vary across different sets of consumers

This report finds that aggregate end-of-year consumer credit card borrowing roughly follows end-of-year retail expenditure patterns, with consumer borrowing experiences differing across consumers with different credit scores and different credit card utilization rates at baseline. 

Published
Category: Data, research, and reports
Consumer market trends

Removal of public records has little effect on consumers’ credit scores

The National Consumer Assistance Plan (NCAP) was launched in March 2015 by the three nationwide credit reporting companies in response to a multi-state settlement. In this report, we explore how the removal of public records resulting from the NCAP affected consumers' credit records and their credit scores.

Published
Category: Data, research, and reports

Understanding Consumer Experiences: Insights from CFPB’s 2016 Consumer Response Annual Report

We recently published our Consumer Response Annual Report, which provides an overview of the complaints we received in 2016.