Blog

At the CFPB

Published JAN 21, 2025

Holding Government Contractors Accountable for Wrongdoing

Argus Information and Advisory Services, a subsidiary of TransUnion, has agreed in writing that it will not seek any government contract with the Consumer Financial Protection Bureau for three years.

• • Data
• • Procurement

Policy and compliance

Published SEP 24, 2024

CFPB launches public comment process for open banking standard setter recognition

The public can submit comments on open banking standard-setter applications to ensure the development of fair and effective open banking standards that serve the interests of all stakeholders, especially consumers.

• • Banking
• • Checking account
• • Credit cards
• • Data
• • Debit cards
• • Electronic payments
• • Privacy

Data, research, and reports

Published JUL 13, 2023

Office of Research blog: Initial Fresh Start program changes followed by increased credit scores for affected student loan borrowers

Credit reporting changes through the Department of Education’s Fresh Start program coincided with increased credit scores for nearly 2 million student loan borrowers.

By Christa Gibbs

• • Credit reports and scores
• • Data
• • Office of Research Publication
• • Research
• • Student loans

At the CFPB

Published JUN 08, 2023

Extendemos la fecha tope para recibir comentarios sobre los corredores de datos

Lanzamos una averiguación sobre las compañías que rastrean y recogen información sobre la vida personal de la gente.

By Davida Farrar and Erie Meyer

• • Call for evidence
• • Credit reports and scores
• • Data
• • Fair Credit Reporting Act

At the CFPB

Published JUN 08, 2023

We are extending the deadline for comments about data brokers

The CFPB launched an inquiry into companies that track and collect information on people’s personal lives.

By Davida Farrar and Erie Meyer

• • Call for evidence
• • Credit reports and scores
• • Data
• • Fair Credit Reporting Act

Data, research, and reports

Published JUN 07, 2023

Office of Research blog: Update on student loan borrowers during payment suspension

Delinquencies and scheduled payments for non-student-loans continue to rise for student loan borrowers during the federal student loan payment pause.

By Thomas Conkling and Christa Gibbs

• • Data
• • Office of Research Publication
• • Research
• • Student loans

Director's notebook Policy and compliance

Published JUN 01, 2023

Algoritmos, inteligencia artificial y equidad en tasaciones de vivienda

Estamos tomando un nuevo paso para asegurar que las decisiones tomadas por modelos automáticos, a veces mercadeadas como inteligencia artificial, sean responsables.

By Rohit Chopra

• • Advanced technology
• • Data
• • Discrimination
• • Fair lending
• • Mortgages
• • Redlining
• • Rulemaking

Director's notebook Policy and compliance

Published JUN 01, 2023

Algorithms, artificial intelligence, and fairness in home appraisals

Today, the CFPB is taking another step toward ensuring accountability for automated decision models, sometimes marketed as artificial intelligence (AI).

By Rohit Chopra

• • Advanced technology
• • Data
• • Discrimination
• • Fair lending
• • Mortgages
• • Redlining
• • Rulemaking

At the CFPB

Published MAR 24, 2023

Tell us your experiences with data brokers

The CFPB launched an inquiry into companies that track and collect information on people’s personal lives.

By Davida Farrar, Kiren Gopal, and Erie Meyer

• • Advanced technology
• • Call for evidence
• • Credit reports and scores
• • Data
• • Fair Credit Reporting Act

At the CFPB Data, research, and reports

Published FEB 23, 2023

Our auto finance data pilot

The CFPB is piloting a new collection of auto data. As part of that effort, we issued orders to nine large auto lenders to provide information about their auto lending portfolio.

By Chris Kukla, Richard Landau, and Ashwin Vasan

• • Auto loans
• • Data
• • Research

Data, research, and reports

Published DEC 09, 2022

Usamos la data de quejas para ayudar a ciudades y condados a proteger a los consumidores

Trabajamos con municipios y condados en identificar y enfrentar daño financiero a sus habitantes.

By Stefanie Isser Goldblatt and Cheryl Parker Rose

• • Consumer complaints
• • Data

Data, research, and reports

Published NOV 18, 2022

Using CFPB complaint data to help cities and counties protect the public

The CFPB is working with municipal and county governments to identify and address financial harm to their constituents.

By Stefanie Isser Goldblatt and Cheryl Parker Rose

• • Consumer complaints
• • Data

Policy and compliance

Published OCT 31, 2022

CFPB seeks further public input on big tech payment platforms

Today, the CFPB is announcing that it will re-open the public comment period on big tech payment platforms for 30 days and add additional questions.

• • Data
• • Financial service providers

Data, research, and reports Info for consumers

Published OCT 31, 2022

Estamos buscando más información del público sobre las plataformas de pago de las compañías “big tech”

Anunciamos la reapertura por 30 días del plazo para recibir comentarios y agregamos nuevas preguntas, sobre las plataformas de pago de las compañías “big tech”.

• • Data
• • Financial service providers

Data, research, and reports Info for consumers

Published APR 14, 2022

The student loan pause was extended—three things to keep in mind

The Department of Education announced that the student loan pause will continue through August 31, 2022. Here are three things to keep in mind.

By Andrea Matthews

• • Data
• • Research
• • Student loans
• • Students

At the CFPB

Published MAR 09, 2022

Shining a Spotlight on Workers’ Financial Experiences

In response to concerns from workers about financial risk and harm from employers, the CFPB is looking into the consumer financial products or services that workers face in the workplace.

By Emma Oppenheim

• • Data
• • Debt collection
• • Privacy

Data, research, and reports

Published JUN 30, 2021

The trends of commercial credit reporting on consumer credit

Millions of consumers may have business loans and commercial credit products on their consumer credit reports. New CFPB research finds inconsistent reporting practices that may impact consumer credit scores.

By Claire Brennecke, Gohar Siravyan, and B. Heath Witzen

• • Credit reports and scores
• • Data
• • Research

Data, research, and reports

Published JUN 14, 2021

HMDA Threshold Report Blog

Analysis and key findings from the report "A Brief Note on General Lending Patterns of Small to Medium Size Closed-end HMDA Reporters".

By Feng Liu and Alex Rodrigue

• • Access to credit
• • Data
• • Home Mortgage Disclosure Act
• • Mortgages
• • Research

Info for consumers

Published JAN 29, 2021

Know your data: Our updated list of reporting companies

Your consumer reporting data can affect your ability to get a loan, job, or apartment. Learn how to request your consumer reports.

By Logan Herman and Jonah Kaplan

• • Credit reports and scores
• • Data
• • Fair Credit Reporting Act

Data, research, and reports

Published DEC 17, 2020

Credit card debt fell even for consumers who were having financial difficulties before the pandemic

We use the Bureau’s Making Ends Meet survey to study whether financially vulnerable consumers have turned to credit card debt during the coronavirus pandemic.

By Scott Fulford and Marie Rush

• • Credit cards
• • Data
• • Office of Research Publication
• • Research

Data, research, and reports

Published JUL 24, 2020

What to consider when sharing your financial data

A growing number of financial services are powered by data sharing. Learn what that means for you, and the key things to consider before sharing your data.

By Max Bentovim

• • Banking
• • Credit reports and scores
• • Data
• • Privacy

Data, research, and reports

Published APR 30, 2020

Protecting consumers and encouraging innovation: 2019 Fair Lending Report to Congress

This report describes our fair lending activities in innovation, outreach, prioritization, guidance and rulemaking, supervision, and enforcement for calendar year 2019.

By Patrice Alexander Ficklin and Frank Vespa-Papaleo

• • Access to credit
• • Compliance
• • Data
• • Discrimination
• • Enforcement
• • Equal Credit Opportunity Act
• • Fair lending
• • Home Mortgage Disclosure Act
• • Innovation
• • Research
• • Rulemaking
• • Supervision

Data, research, and reports

Published APR 03, 2020

Here's what we’ve been doing over the past year to help military families plan for their next financial journey.

The Office of Servicemember Affairs’ annual report is a review of the CFPB’s work over the past year in fulfilling our duty to help military families.

By Jim Rice

• • Consumer complaints
• • Data
• • Research
• • Servicemembers

Info for consumers

Published JAN 30, 2020

Know your data: Our updated list of reporting companies

Request your consumer reports using our list of consumer reporting companies. Your consumer reporting data affects your ability to get an affordable loan, a job, an apartment, or many other essentials of daily life to reach your financial and personal goals.

By Jonah Kaplan

• • Credit reports and scores
• • Data
• • Fair Credit Reporting Act
• • Financial education
• • Identity theft and fraud
• • Privacy

Data, research, and reports

Published DEC 10, 2019

A new retrospective on the removal of public records

This report looks at how the removal of public records from credit reports affected the relationship between credit scores and consumers’ credit performance.

By Jasper Clarkberg

• • Data
• • Research