We study how consumers interact with financial products and services to help identify potential problems in the marketplace and achieve better outcomes for all. Review our reports and analyses to help inform your decisions, policies, and practices. And, see reports that we periodically prepare about the CFPB.
This Bureau Data Point article describes 2019 mortgage market activity and trends using data reported under the Home Mortgage Disclosure Act (HMDA).
This report is an update to CFPB’s May 2020 report and December 2020 blog regarding the effects of COVID-19 on credit applications (or credit inquiries). It examines the different paths of recovery for types of credit applications.
The CFPB’s Office of Consumer Response hears directly from consumers about the challenges they face in the marketplace, brings their concerns to the attention of companies, and assists in addressing their complaints.
This Complaint Bulletin analyzes COVID-19 issues described in consumer complaints.
A new analysis investigating how characteristics of mortgages, borrowers, and lenders vary across AAPI subgroups, based on the 2020 Home Mortgage Disclosure Act (HMDA) data.
This report explores the trends of commercial credit reporting on consumer credit.
This is the 24th edition of Supervisory Highlights. The findings included in this report cover examinations in the areas of auto servicing, consumer reporting, debt collection, deposits, fair lending, mortgage origination, mortgage servicing, payday lending, private education loan origination and student loan servicing that were completed between January 1, 2020 to December 31, 2020.
A brief overview of the general lending patterns of HMDA reporters with the closed-end origination volumes around the new HMDA reporting threshold set by the 2020 HMDA Rule.
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.
This report presents results and lessons learned from the CFPB’s Financial Coaching Initiative. The CFPB placed financial coaches in 60 community-based organizations across the country. The program reached over 23,000 veterans and economically vulnerable consumers. The report provides guidance on how to implement a coaching program across a range of diverse communities and organizations.
This annual report from the Office of Servicemember Affairs highlights the activities of the office as well as complaints and emerging issues facing the military community in the financial marketplace.
A new analysis in our Making Ends Meet survey series looks at how consumers use payday, auto title, and pawn loans.
This third COVID-19 Special Issue Brief describes the characteristics of mortgage borrowers, including demographics, during the COVID-19 pandemic. The report focuses on borrowers with loans that are in forbearance or delinquent as reported through March 2021.
The CFPB’s Office of Consumer Response hears directly from consumers about the challenges they face in the marketplace, brings their concerns to the attention of companies, and assists in addressing their complaints.
This Complaint Bulletin analyzes mortgage forbearance issues described in consumer complaints.
This report provides a foundational set of benchmarks of the financial well-being of Hispanics ages 18 and older in the United States in 2018, as measured by the CFPB Financial Well-Being Scale, that practitioners and researchers can use in their work.
A new analysis examines the early impact of COVID-19 on consumers’ finances, finding that, in general, they were more able to stay on top of finances in June 2020 than June 2019.
In accordance with the Dodd-Frank Act, the CFPB orders an annual independent audit of the operations and budget of the Bureau. The purpose of this audit is to provide objective analyses to improve program performance and operations, reduce costs, facilitate decision-making, and contribute to public accountability.
The CFPB’s Office of Consumer Response hears directly from consumers about the challenges they face in the marketplace, brings their concerns to the attention of companies, and assists in addressing their complaints.
This Complaint Bulletin analyzes complaints submitted by consumers in counties nationwide.
We follow specific standards for maintaining affirmative employment programs and take steps to ensure that policies, practices, and procedures are conducted in an inclusive manner for employees and applicants.
This report describes our fair lending activities in prioritization, supervision, enforcement, guidance and rulemaking, interagency coordination, and outreach for calendar year 2020.
This report provides detailed information about the diversity and inclusion work of Bureau of Consumer Financial Protection from Oct. 1, 2019 to Sept. 30, 2020.
The Consumer Financial Protection Bureau began consumer response operations on July 21, 2011, and became the first federal agency solely focused on consumer financial protection. The Bureau’s Consumer Response team hears directly from consumers about the challenges they face in the marketplace, brings their concerns to the attention of financial institutions, and assists in addressing their complaints.
The Bureau is pleased to submit to Congress its annual report summarizing the Bureau’s activities along with those of the Federal Trade Commission to administer the Fair Debt Collection Practices Act (FDCPA).
This report summarizes some of the relevant data and research on the impact of the pandemic on the rental and mortgage market, and particularly its impact on low income and minority households. 11 million renter and homeowner households were significantly overdue on their regular housing payments as of December 2020, placing them at heightened risk of losing their homes to foreclosure or eviction over the coming months. Black and Hispanic households were more than twice as likely to report being behind on their payments than white households.
Nearly 65 percent of the Consumer Financial Protection Bureau (CFPB) employee population responded to the annual employee survey conducted between October 5 and October 30, 2020.
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. This report is published by the Bureau of Consumer Financial Protection in compliance with that law.
The Office of Research released a research brief summarizing the results of an online experiment exploring how the amount of available savings may influence decisions about using savings to pay down credit card debt.
