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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.

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Category: Office of Research Publication |
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.

Category: To Congress |
Published

State of Bureau Websites and Digital Services

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).

Category: Consumer education and empowerment |
Published

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.

Category: To Congress |
Published

CFPB financial report fiscal year 2022

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.

Category: Supervisory Highlights |
Published

Supervisory Highlights, Issue 28, Fall 2022

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.

Category: Office of Research Publication |
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.