Research on consumer financial markets

Published JUN 02, 2016

Supplemental findings on payday, payday installment, and vehicle title loans, and deposit advance products

This report provides a variety of analyses on payday loans, payday installment loans, vehicle title loans, and deposit advance products.

By Office of Research

• • Research
• • Office of Research Publication
• • Payday loans

Published MAY 18, 2016

Single-Payment Vehicle Title Lending

This report examines consumer usage, default and rates of vehicle seizure for single-payment auto title loans, with a detailed look at the extent to which these loans are reborrowed.

By Office of Research

• • Auto loans
• • Office of Research Publication
• • Payday loans

Published APR 20, 2016

Online Payday Loan Payments

This report provides detailed analyses on the payment practices of online lenders making high-cost, short-term loans online, with an emphasis on outcomes after payment requests fail.

By Office of Research

• • Office of Research Publication
• • Payday loans

Published MAY 05, 2015

Data point: Credit invisibles

Our data point reports are prepared by our Office of Research to provide an evidence-based perspective on consumer financial markets, consumer behavior, and...

By Office of Research

• • Office of Research Publication
• • Research
• • Credit reports and scores
• • Data
• • Access to credit

Published SEP 30, 2014

Manufactured-housing consumer finance in the U.S.

Manufactured homes account for a small but important share of single-family housing in the U.S.

By Office of Research

• • Office of Research Publication
• • Mortgages

Published JUL 31, 2014

Data point: Checking account overdraft

Our data point reports are prepared by our Office of Research to provide an evidence-based perspective on consumer financial markets, consumer behavior, and...

By Office of Research

• • Overdraft
• • Office of Research Publication
• • Checking account
• • Banking
• • Everyone has a story

Published JUL 03, 2014

Report on the use of remittance histories in credit scoring

The Dodd-Frank Act directed us to study the potential for remittance information to enhance consumer credit scores.

By Office of Research

• • Credit reports and scores
• • Office of Research Publication
• • Money transfers

Published MAY 20, 2014

Data point: Medical debt and credit scores

Our data point reports are prepared by our Office of Research to provide an evidence-based perspective on consumer financial markets, consumer behavior, and...

By Office of Research

• • Debt collection
• • Medical debt
• • Credit reports and scores
• • Office of Research Publication

Published MAR 25, 2014

CFPB data point: Payday lending

Our data point reports are prepared by our Office of Research to provide an evidence-based perspective on consumer financial markets, consumer behavior, and...

By Office of Research

• • Data
• • Research
• • Office of Research Publication
• • Payday loans

Published NOV 22, 2013

Understanding the effects of certain deposit regulations on financial institutions’ operations

Consumer financial markets do not always operate efficiently and fairly.

By Office of Research

• • Rulemaking
• • Research
• • Office of Research Publication

Published OCT 09, 2012

Analysis of Differences between Consumer- and Creditor-Purchased Credit Scores

When consumers purchase their credit scores from one of the major nationwide consumer reporting agencies (CRAs), they often receive scores that are not...

By Office of Research

• • Credit reports and scores
• • Office of Research Publication

Published JUL 19, 2012

Private Student Loans Report

The Dodd-Frank Wall Street Reform and Consumer Protection Act requires the Director of the Bureau and the Secretary of Education to submit a report on...

By Office of Research

• • Fair lending
• • Office of Research Publication
• • Student loans

Published JUL 19, 2011

The impact of differences between consumer- and creditor-purchased credit scores

A credit score is a numerical summary of a consumer's apparent creditworthiness, based on the consumer's credit report, and reflects the relative likelihood...

By Office of Research

• • Credit reports and scores
• • Office of Research Publication