Blog archive

We continue to monitor the market to assess new and developing risks to consumers, and we share updated charts on mortgage forbearance, delinquency, and foreclosure that show an improving economic picture, yet sustained housing insecurity risk.

New CFPB research examines trends in consumer credit during COVID-19, finding delinquencies for credit cards, auto loans, mortgages, and student loans remain lower than pre-pandemic levels.

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

CFPB releases results from its first tech sprints to identify innovations and improvements in the way we use technology to create transparent, equitable, and fair financial markets.

Servicers are trying several techniques to reach struggling homeowners affected by the COVID-19 pandemic. Millions 0f homeowners need help understanding their options, and the volume of homeowners requesting assistance in the coming months will be increasing and good communication with their servicer will be vital.

The CFPB is committed to protecting consumers struggling financially during the coronavirus pandemic. Learn how the CFPB is taking action to protect economically vulnerable consumers facing housing insecurity.

A new CFPB report shows more than 11 million renters and homeowners are behind on their housing payments. Communities of color are disproportionately vulnerable to housing insecurity. Here's what we’re doing to prevent harm to vulnerable consumers.

To help protect homeowners and promote stability in the housing market, the CFPB will extend the mandatory compliance deadline for the Qualified Mortgage rules until July 1, 2021.

Financial relief and protections for many student loan borrowers, renters, and homeowners has been extended. Here’s what you need to know.

Some homeowners struggling to pay their mortgage now have more time to seek mortgage forbearance and foreclosure relief. If you’re struggling financially because of the coronavirus pandemic. Don’t wait, get help now.

Consumer credit markets in September were still far from their normal operation prior to the pandemic. This blog posts compares the actual volume of credit inquiries to their usual pre-pandemic volume. Credit card and auto loan inquiries remain depressed, while new mortgage inquiries are above their usual level.

Homeowners who are struggling to make mortgage payments because of a COVID-19 related hardship, or who got a mortgage forbearance that is coming to an end, should talk to their mortgage servicer or a HUD-approved housing counselor about options and next steps.

Your home equity can provide access to needed funds during the coronavirus pandemic. But before refinancing or getting a home equity loan, look at all of your options to determine the best choice for your finances now, and in the future.

Tips for staying on top of your finances during the coronavirus pandemic, particularly if you’ve dodged income loss or major expenses.

This Market Snapshot investigates the prevalence and ease of first-time homeownership today by comparing current and historical market trends.

LIBOR is expected to be discontinued sometime after 2021. Here is information to help consumers understand whether this market-wide change might affect the terms of their loans.

Your Loan Estimate and Closing Disclosure explain the costs and terms of the mortgage loan that you have applied for – here’s what you should know and how to read them.

Closing on a house can be daunting, but knowing what to expect can help everything go smoothly. Here are essential steps for closing on a mortgage loan.

Scammers are increasingly taking advantage of homebuyers during the closing process. Here’s how it works and how to avoid it happening to you.

Find the HMDA resources you need.

Let the Bureau coach you through each step in the mortgage process.

This report explores how servicemember home loan choices have changed from 2006 to 2016.

Information for servicemembers about new laws on VA refinances, medical debt, credit monitoring, foreclosure protection, and when they go into effect.

The Bureau’s Complaint snapshot: Mortgage highlights trends in consumer submitted complaints about mortgages.

The CFPB has released two reports assessing significant CFPB rules: The first assesses the effectiveness of our Ability to Repay and Qualified Mortgage Rule. The second assesses the effectiveness of the Mortgage Servicing Rule we issued under the Real Estate Settlement Procedures Act (RESPA).