Our research and reports
Explore our reports on a variety of subjects including financial well-being, consumer complaints, debt collection and lending practices, mortgage origination and servicing, payday lending, consumer experiences and financial education, and more.
Consumer credit trends
We present data collected as part of our efforts to monitor consumer credit market conditions. These dashboards are updated monthly to reflect the latest market developments.
Mortgage performance trends
We publish data on mortgage delinquency rates. See how trends change over time and across geographies.
Consumer finance research hub
Our PhD social scientists design and conduct foundational, policy-relevant research on consumer finance and household behavior.
Consumer Complaint Database
We send thousands of consumers’ complaints about financial products and services to companies for response. Data from those complaints help us understand the financial marketplace and protect consumers.
The Home Mortgage Disclosure Act (HMDA) requires many financial institutions to maintain, report, and publicly disclose information about mortgages. We’ve made data available in an interactive tool and a public API.
Credit card agreements and surveys
We maintain and provide access to resources where you can learn more about credit cards, including general credit card agreement terms and conditions and survey data about pricing and fees.
Prepaid account agreements
We provide a searchable database of prepaid account agreements, along with resources to help prepaid account issuers submit agreements in compliance with the Prepaid Rule.
Student banking and college credit card marketing agreements
We publish annual reports to Congress. We collect information annually from credit card issuers who have marketing agreements with universities, colleges, or affiliated organizations such as alumni associations, sororities, fraternities, and foundations; we maintain publicly accessible files of the agreements.
Survey of mortgage originations
We survey consumers who took out a mortgage in the past 18 months or so — including refinancing a mortgage — in order to know about your experience.
Financial well-being survey data
We measured the financial well-being of adults in America: their sense of financial security and freedom of choice—both in the present and when considering the future—and other factors that may support financial well-being.
The CFPB's Office of Research undertakes rigorous and innovative research to improve our understanding of consumer behavior, financial service providers, markets and effects of regulation and other public policies in consumer finance.
CFPB Research Conference
Our sixth conference on December 15–16, 2022, will feature research from a range of disciplines and approaches that inform the topic of consumer finance.
How we handle personally identifiable information
At the CFPB, we have nine privacy principles that guide when and how we collect, use, share, and protect personally identifiable information (PII).