2024 HMDA Data on Mortgage Lending Now Available
The published data contain loan-level information filed by financial institutions and modified to protect consumer privacy.
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CFPB Report Finds Cash-Out Mortgage Refinance Borrowers Improve Credit Scores
Today, the Consumer Financial Protection Bureau (CFPB) published a report about financial outcomes for cash-out refinance mortgage borrowers.
CFPB Finds More Vehicles Eligible for Repossession Than Pre-Pandemic
The CFPB published a report showing that the rate of auto repossessions at the end of 2022 surpassed pre-pandemic levels.
CFPB Takes Action Against Draper & Kramer Mortgage for Discriminatory Mortgage Lending Practices
The CFPB took action against Draper & Kramer Mortgage Corporation for discriminatory mortgage lending activities that discouraged homebuyers from applying to Draper for homes in majority-Black and Hispanic neighborhoods in the greater Chicago and Boston areas.
CFPB Finds Hundreds of Thousands of Mortgages in Southeast and Central Southwest US Likely Underinsured Against Flood Risk
The CFPB found significant differences in the likelihood that homeowners with a mortgage are adequately insured against flooding based on location and income and assets.
The Federal General Counsel, Law, and Our Democracy at a Crossroads
Prepared remarks by Seth Frotman, General Counsel and Senior Advisor to the Director, given at the University of Michigan on January 7, 2025.
CFPB Finalizes Rule to Remove Medical Bills from Credit Reports
Today, the Consumer Financial Protection Bureau (CFPB) finalized a rule to ban the inclusion of medical bills on credit reports used by lenders and prohibit lenders from using medical information in their lending decisions.
CFPB Sues Vanderbilt for Setting Borrowers Up to Fail in Manufactured Home Loans
The CFPB sued Vanderbilt Mortgage & Finance for setting families up to fail when they borrowed money to buy a manufactured home.
CFPB Files Lawsuit to Stop Illegal Kickback Scheme to Steer Borrowers to Rocket Mortgage
The CFPB sued Rocket Homes to stop providing incentives to real estate brokers and agents in exchange for steering homebuyers to Rocket Mortgage for loans.
CFPB Report Finds Mortgage Companies Create Obstacles for Homeowners After Death or Divorce
The CFPB issued a report on the experiences of homeowners dealing with their mortgage company after divorce or the death of an original borrower.
CFPB Finalizes Rule to Protect Homeowners on Solar Panel Loans and Other Home Improvement Loans Paid Back Through Property Taxes
CFPB Finalizes Rule to Protect Homeowners on Solar Panel Loans and Other Home Improvement Loans Paid Back Through Property Taxes.
CFPB Report Finds Significant Drop in Annual Mortgage Applications and Originations in 2023
The CFPB released its annual report on trends in the residential mortgage lending market.
CFPB Orders Federal Supervision of Google Following Contested Designation
The Consumer Financial Protection Bureau (CFPB) today published an order establishing supervisory authority over Google Payment Corp.
CFPB Announces Return of $1.8 Billion in Illegal Junk Fees to 4.3 Million Americans Harmed in Massive Credit Repair Scheme
The CFPB is distributing $1.8 billion to 4.3 million consumers charged illegal junk fees by credit repair companies including Lexington Law and CreditRepair.com.
CFPB Proposes Rule to Stop Data Brokers from Selling Sensitive Personal Data to Scammers, Stalkers, and Spies
The CFPB today proposed a rule to rein in data brokers that sell Americans' sensitive personal and financial information.
Prepared Remarks of CFPB Director Rohit Chopra at the FinRegLab AI Conference
Director Chopra delivered remarks at the 2024 FinRegLab AI Symposium.
CFPB Report Details Student Borrower Harms from Servicing Failures and Program Disruptions
The CFPB released the annual report of the Student Loan Ombudsman, highlighting severe difficulties reported by student borrowers in consumer complaints.
CFPB Pilot Study Finds Differential Treatment in Small Business Lending Markets
The CFPB released a study revealing significant disparities in how lenders treat Black and white small business owners seeking loans.
Prepared Remarks of CFPB Director Rohit Chopra at the Federal Reserve Bank of Philadelphia on the Personal Financial Data Rights Rule
Director Chopra delivered remarks at the Federal Reserve Bank of Philadelphia about the CFPB’s Personal Financial Data Rights Final Rule.
CFPB and Justice Department Take Action Against Fairway for Redlining Black Neighborhoods in Birmingham, Alabama
The CFPB and DOJ took action to end Fairway Mortgage Corporation’s illegal mortgage lending redlining against majority-Black neighborhoods in the greater Birmingham, Alabama area.
CFPB Takes Action Against Wrongful Auto Repossessions and Loan Servicing Breakdowns
The CFPB published a new edition of Supervisory Highlights describing the agency’s supervisory findings related to illegal practices in auto finance, including lenders repossessing consumers’ cars after the borrower made timely payments or received loan extensions.
Agencies Announce Dollar Thresholds for Applicability of Truth in Lending and Consumer Leasing Rules for Consumer Credit and Lease Transactions
The CFPB and the FRB are announcing the dollar thresholds used to determine whether certain consumer credit and lease transactions in 2025 are subject to certain protections under Regulation Z (Truth in Lending) and Regulation M (Consumer Leasing).
Agencies Announce Dollar Thresholds for Smaller Loan Exemption from Appraisal Requirements for Higher-priced Mortgage Loans
The CFPB, the FRB, and the OCC are announcing that the 2025 threshold for higher-priced mortgage loans that are subject to special appraisal requirements will increase from $32,400 to $33,500.
CFPB Report Highlights Challenges Facing Servicemembers and Veterans with Student Loans
The CFPB today issued its annual report on top financial concerns facing servicemembers, veterans, and military families.