Skip to main content

Research on consumer financial markets

Our PhD social scientists design and conduct foundational, policy-relevant research on consumer finance and household behavior.

For preliminary research and working papers, find the Office of Research’s independent papers on SSRN.

Date range
Clear filters
78 filtered results
Published

Making Ends Meet in 2022: Insights from the CFPB Making Ends Meet survey

The annual Making Ends Meet survey report shows how consumers’ finances changed from 2021 to 2022. After increasing during the pandemic, financial health declined from 2021 to 2022 across several measures. The finances of Hispanic consumers and consumers under age 40 deteriorated rapidly between 2021 and 2022.

Published

Consumer Credit Trends Report: Paid and Low-Balance Medical Collections on Consumer Credit Reports

This is part of a series of reports of consumer credit trends produced by the Consumer Financial Protection Bureau using a longitudinal sample of approximately five million de-identified credit records from one of the three nationwide consumer reporting agencies.

Published

New Data on the Characteristics of Mortgage Borrowers During the COVID-19 Pandemic

This COVID-19 Special Issue Brief follows up on a May 2021 report that discussed the characteristics of mortgage borrowers, including demographics, during the COVID-19 pandemic. A significant number of homeowners have transitioned out of those forbearances over the last year due, in part, to improving economic conditions and the expiration of protections under these programs for many loans beginning in the Fall of 2021. Given these changes, our goal in this report is to better understand the characteristics of borrowers who remain in forbearance, as reported through January 2022.

Published

Manufactured Housing Finance: New Insights from the Home Mortgage Disclosure Act

This report analyzes manufactured home loans, using two new fields in the Home Mortgage Disclosure Act (HMDA) data to understand the manufactured housing finance market and compare chattel loans and mortgages.