Reports

On January 3, 2019, the Good Accounting Obligation in Government Act (GAO-IG Act) was enacted as Public Law number 115-414. The GAO-IG Act requires agencies to annually submit a report to Congress on the status of open public audit recommendations.

In this report, the CFPB analyzed loan-level information from six lenders and found that servicemembers experience increased financial risks at many points in auto lending compared to non-servicemembers.

This list includes the three nationwide credit reporting companies as well as other consumer reporting companies that focus on certain market areas and consumer segments.

Report provides detailed information on new rental housing payment data with comparisons to external sources.

Report provides insights on rental housing payment delinquencies using new payment data.

In this report, we investigate the extent to which borrowers of cash-out refinance mortgages pay down non-mortgage debts with extracted equity using an event study around the refinance event.

Report on trends in repossessions in the auto finance industry using data from the auto finance data pilot.

This edition of Supervisory Highlights concerns select examinations of institutions that use credit scoring models, including models built with advanced technology commonly marketed as AI/ML technology, when making credit decisions.

The Consumer Financial Protection Bureau (CFPB) administered its 2024 Annual Employee Survey (AES) and is posting the survey results as instructed.

With home equity “investment” contracts (HEIs), homeowners get cash up front in exchange for a repayment later. But HEIs can be risky.

Enforcing consumer protection law has long been a state-federal partnership in which the states have often taken the lead.

Buy Now, Pay Later (BNPL) loans have grown rapidly in the United States (U.S.) since 2019. This study overcomes this data gap by using a matched sample of BNPL applications and originations for pay-in-four loans from six large BNPL firms (Affirm, Afterpay, Klarna, PayPal, Sezzle, and Zip) with their corresponding de-identified credit records.

This report looks at flood risk in the southeast and central southwest census regions of the United States, as measured by flood risk data from both the Federal Emergency Management Agency (FEMA) and the First Street Foundation and merge with data from the 2018-2022 Home Mortgage Disclosure Act.

Forced collection of Social Security benefits increasingly pushes borrowers into poverty and hardship, undermining the purpose of the Social Security program.

This report provides new insights about the financial security of small business owners using questions about business ownership in the Making Ends Meet Survey.

Pursuant to the CARD Act, the CFPB’s College Banking and Credit Card Agreements report monitors financial products offered through colleges, specifically deposit and prepaid accounts and credit cards.

This is the 37th edition of Supervisory Highlights. This edition of Supervisory Highlights covers recent supervisory findings in the areas of deposits, furnishing, and short-term small dollar lending.

Retail credit cards, which tend to be more accessible to consumers with lower credit scores, can pose heightened risk for consumer harm.

Some people become homeowners following divorce or the death of a spouse. CFPB rules and federal housing program guidelines require mortgage servicers to help these homeowners in a timely way. CFPB complaints suggest that some mortgage servicers are making it difficult for surviving spouses and other homeowners to get the help they need.

Credit card cash advance fees and interest rise as online sports betting grows.

This Bureau report describes 2023 mortgage market activity and trends using data reported under the Home Mortgage Disclosure Act (HMDA).

Consumers in Native American communities disproportionately experience medical debt in collections on credit reports.

Spring 2024 Semi-Annual Report of the Consumer Financial Protection Bureau

CFPB report on how federal student loan borrowers have fared with the end of the payment pause and the return to repayment.

The annual Making Ends Meet survey report highlights new trends in household financial stability.