The CFPB encourages financial institutions to consider how they can strengthen their protections against identity theft and urges nationwide consumer reporting companies to act quickly and be responsive to concerns of servicemembers, veterans and military families.
Research and reports
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.
Data point: Mortgage trends
This Bureau Data Point article describes 2020 mortgage market activity and trends using data reported under the Home Mortgage Disclosure Act (HMDA).
Annual report of consumer and credit reporting complaints: An analysis of complaint responses by Equifax, Experian, TransUnion
This report summarizes information about certain consumer complaints transmitted by the CFPB to nationwide consumer reporting agencies (NCRAs)—Equifax, Experian, and TransUnion.
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.
This report provides an overview of the Bureau’s publicly available website and digital services, in accordance with the reporting requirements of the 21st Century Integrated Digital Experience Act or the 21st Century IDEA (Public Law No. 115-336).
Protecting Those Who Protect Us: Evidence of activated Guard and Reserve servicemembers’ usage of credit protections under the Servicemembers Civil Relief Act
The Servicemembers Civil Relief Act (SCRA) gives servicemembers on active duty the right to request interest rate reductions on outstanding loans during the time they are activated and for an additional year in the case of mortgages. However, according to the CFPB’s research, only small fractions of activated Guard and Reserve servicemembers receive interest rate reductions.
This report provides new insights into the automated saving rules consumers use (e.g., save on payday or with each purchase) and how these rules relate to the amount saved.
Spring 2022 Semi-Annual Report of the Bureau of Consumer Financial Protection
The financial report provides readers with the summary results of the CFPB’s operational activity, and it is the principal statement of our accountability to the American people, the United States Congress, and the President of the United States.
This bulletin outlines difficulties prospective renters encountered in connection with a landlord’s use of a tenant screening report, based on complaints submitted to the CFPB and CFPB-commissioned qualitative research.
Each year, millions of consumers encounter tenant screening as a gateway in their path to rental housing.
This report analyzes complaints related to crypto-assets submitted to the CFPB. This report finds that fraud, theft, hacks, and scams are a significant problem in crypto-asset markets.
This is the 28th edition of Supervisory Highlights. The findings in this report cover examinations in the areas of auto servicing, consumer reporting, credit card account management, debt collection, deposits, mortgage origination, mortgage servicing and payday lending completed between January 1, 2022, and June 31, 2022.
This report is required by statute. It covers the student lending market, complaints, challenges for consumers, and makes recommendations to policy makers.
The 2022 Consumer Financial Protection Bureau (CFPB) report on college banking, including credit card and deposit product agreements.
The Consumer Financial Protection Bureau’s ninth annual Plain Writing Act Compliance Report is presented to fulfill the Bureau’s statutory responsibilities pursuant to the Plain Writing Act of 2010.
Elder financial exploitation (EFE) robs millions of older adults of their money and property. This report provides the first comprehensive description of the experience of how older adults recover from elder financial exploitation.
This Bureau Data Point article describes 2021 mortgage market activity and trends using data reported under the Home Mortgage Disclosure Act (HMDA).
Report on the Buy Now, Pay Later (BNPL) industry in the United States, focusing on consumer and marketplace impacts.
An analysis of the risks that nursing home residents and their caregivers face by assessing consumer complaints, nursing home admission contracts, and debt collection lawsuits.
This report focuses on the consumer finances of rural Appalachians, and is the first in a series of reports focusing on the finances of rural consumers.
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.
In recent years, the payment space has moved from an ecosystem with clear constraints and established players to a rapidly evolving environment.
Required financial assistance is a form of community benefit involving medical care that is provided for free, or at a discount, to patients who cannot afford to pay.
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.
This consumer credit trends report explores credit card line decreases and changes in consumer credit characteristics.