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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: Supervisory Highlights |
Published

Supervisory Highlights, Issue 25, Fall 2021

This is the 25th edition of Supervisory Highlights. The findings included in this report cover examinations completed between January 2021 and June 2021 in the areas of credit card account management, debt collection, deposits, fair lending, mortgage servicing, payday lending, prepaid accounts, and remittance transfers.

Category: To Congress |
Published

CFPB financial report fiscal year 2021

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: Data point |
Published

Subprime Auto Loan Outcomes by Lender Type

This data point examines outcomes for subprime auto loans by lender type. It finds that borrowers with loans from some kinds of financial institutions pay higher interest rates, and experience vehicle repossessions more quickly after delinquency, than comparable borrowers with loans from other kinds of financial institutions.

Category: Consumer complaint |
Published

Consumer Complaint Research Brief: Consumer complaints throughout the credit life cycle, by demographic characteristics

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 Consumer Complaint Research Brief analyzes the racial and socio-economic diversity of consumer complaints.

Category: Industry and markets |
Published

Supplemental estimation methodology for institutional coverage and market-level cost estimates in the small business lending data collection notice of proposed rulemaking

This report describes the Bureau’s methodology for estimating how many banks would be required to report under the proposed rule implementing section 1071 of the Dodd-Frank Act and for producing market-level estimates of associated costs.

Category: Industry and markets |
Published

Mortgage Servicing COVID-19 Pandemic Response Metrics: Observations from Data Reported by Sixteen Servicers

This report presents the CFPB’s observations of data provided by sixteen large mortgage servicers regarding COVID-19 pandemic response, including key metrics such as call center data; forbearance requests, denials, and exits; delinquency; and borrower profiles.

Category: Supervisory Highlights |
Published

Supervisory Highlights, Issue 24, Summer 2021

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.

Category: Data point |
Published

Manufactured Housing Finance: New Insights from the Home Mortgage Disclosure Act

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.

Category: Consumer education and empowerment |
Published

Financial Coaching Initiative: Results and Lessons Learned

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.