Perceived Financial Preparedness, Saving Habits, and Financial Security
The Office of Research released a research brief that explores consumers’ perceived financial preparedness, saving habits, and financial security.
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 2019 mortgage market activity and trends using data reported under the Home Mortgage Disclosure Act (HMDA).
Supervisory Highlights, Issue No. 22 (Summer 2020)
In this edition of Supervisory Highlights, we report examination findings in the areas of consumer reporting, debt collection, deposits, fair lending, mortgage servicing and payday lending. The report does not impose any new or different legal requirements, and all violations described in the report are based only on those specific facts and circumstances noted during those examinations.
Plain Writing Act compliance report 2020
This is the seventh report on the Bureau’s compliance with the Plain Language Act of 2010.
Special issue brief: The early effects of the COVID-19 pandemic on consumer credit
This second COVID-19 Special Issue Brief describes trends in delinquency rates, payment assistance, credit access, and account balance measures with a focus on the period since the start of the COVID-19 pandemic.
An updated review of the new and revised data points in HMDA: Further observations using the 2019 HMDA data
The goal of this article is to help the public become more familiar with the new and revised data points in the 2019 HMDA data and to provide some initial observations about the nation’s mortgage market in 2019 using those new and revised data points. As in last year’s article, the focus of this article is on cross-sectional analyses, i.e. using the data contained in one year’s loan application registrar (LAR) to explore various patterns and relationships between different data fields to provide some initial observations.
Bureau Symposium: Consumer Access to Financial Records, a summary of the proceedings
This report summarizes the Bureau’s February 26, 2020, symposium on Consumer Access to Financial Records and Section 1033 of the Dodd-Frank Act.
Evidence-based strategies to build emergency savings
The Office of Research released a report that synthesizes the rigorous research of programs and strategies aiming to help consumers achieve greater liquid savings.
July Complaint Bulletin: Complaints mentioning coronavirus keywords
This Complaint Bulletin reflects complaint data from complaints submitted in 2020 and highlights trends in complaints mentioning coronavirus keywords.
Financially Fit? Comparing the credit records of young servicemembers and civilians
This report uses a representative sample of young servicemembers’ credit reports to show how their credit histories evolve from the time they turn 18 until their mid-twenties. It also compares servicemembers to a cohort of same-age civilians.
Targeting credit builder loans
Credit Builder Loans are designed for consumers looking to establish a credit score or improve an existing one, while at the same time giving them a chance to build their savings.