Nuestra investigación muestra que en Puerto Rico la gente goza de menos bienestar financiero que en el resto de los Estados Unidos.
Our research shows that people in Puerto Rico have lower financial well-being compared to people in the rest of the United States.
Cashflow data (regular savings, accumulated savings, paying bills on time) helps predict ability to repay and repayment risk, even when accounting for credit scores.
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.
Delinquencies and scheduled payments for non-student-loans continue to rise for student loan borrowers during the federal student loan payment pause.
Creditors can obtain civil judgments to garnish wages for unpaid debts, but civil judgments are much more common in some states and areas than others.
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.
Credit card companies are failing to report your actual payment data to the nationwide consumer reporting companies. The CFPB asked why, and this is what we learned.
Por qué las grandes compañías emisoras de tarjetas de crédito suprimen datos reales de pagos en su informe de crédito
Los emisores de tarjetas de crédito no están reportando sus datos de pagos a las empresas de informes de crédito. Preguntamos por qué, y esto descubrimos.
Hemos anunciado una nueva iniciativa para enfrentar la falta de data e información en el mercado del crédito automotriz.
Office of Research blog: Higher interest rates leading to higher debt burdens for mortgage borrowers
Mortgage interest rates rose sharply in recent months. New research reveals that these increases are impacting borrowers’ monthly payments and debt burdens.
CFPB announces a new initiative to address gaps in data and information on the auto lending market.
Delinquencies on non-student-loan credit products continue to rise for student loan borrowers, signaling potential payment difficulties when scheduled payments resume.
Market Monitoring Insights: Examining the Potential Credit Impact of High Vehicle Costs for Consumers
Examination of the potential relationship of rising car prices and car loan amounts, and the potential impact on consumers.
CFPB explores the connection between eligibility for nonprofit hospitals’ financial assistance programs and the prevalence of medical collections.
Housing costs rose rapidly last year but some people experience this inflation more than others. New research shows that low-income renters’ credit card debt increased sharply last year.
This blog post examines recent changes in overdraft and NSF fee revenues reported in call reports to understand how announced changes in overdraft policies affected these revenues.
Credit cards play a critical role for consumers. Lenders can cut card lines, and have done so especially during economic downturns. New CFPB research shows the impact line cuts have on consumers.
The Department of Education announced that the student loan pause will continue through August 31, 2022. Here are three things to keep in mind.
Release of report outlining diversity and inclusion based on public facing data and information reported to the Bureau.
New analysis in our Making Ends Meet series shows consumers’ finances improved during the pandemic as pandemic policies protected consumers.
A new CFPB report looks at subprime auto lending, including the different types of lenders and the interest and default rates for their borrowers.
Credit access declined during the pandemic for credit cards, but increased for mortgages and auto loans
Since April 2020, Access to new credit cards has decreased, but access to mortgages and auto loans has increased since the start of the pandemic.
Since April 2020, credit limits on credit cards largely stagnated, but have risen in recent months for most credit score groups.
Since April 2020, credit card balances and utilization rates have continued to decline, and the share of credit card borrowers that carry a balance rather than pay in full have also declined.