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.
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).
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.
The Office of Servicemember Affairs’ 2021 annual report on the top financial concerns facing servicemembers, veterans, and military families, based on the complaints they submitted to the CFPB.
This data spotlight shares findings on the state of financial well-being in 2020 and how it has changed over time, with an emphasis on the negative impact among certain demographics and U.S. adults with lower financial well-being.
CFPB’s Diversity, Equity, Inclusion, and Accessibility (DEIA) Strategic Plan for FY 2022-2026.
Over 1.2 million adults ages 60 and older lost a spouse in 2019. This spotlight describes the characteristics and financial circumstances of older surviving spouses.
Mortgage Servicing COVID-19 Pandemic Response Metrics: New Observations from Data Reported by Sixteen Servicers for May-December 2021
This report presents the CFPB’s observations of data provided by sixteen mortgage servicers for the period May-December 2021 regarding key servicing metrics and COVID-19 pandemic response.
This data spotlight examines the characteristics and experiences of the 3.2 million older adults living in mobile homes in 2022.
The Bureau is committed to ensuring fair, equitable, and nondiscriminatory access to credit for both individuals, small businesses, and communities. This report describes our fair lending activities in enforcement and supervision; guidance and rulemaking; interagency coordination; and outreach and education for calendar year 2021.