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).
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.
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.
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 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.
This annual report from the Office of Servicemember Affairs highlights the activities of the office as well as complaints and emerging issues facing the military community in the financial marketplace.
This report provides a foundational set of benchmarks of the financial well-being of Hispanics ages 18 and older in the United States in 2018, as measured by the CFPB Financial Well-Being Scale, that practitioners and researchers can use in their work.
This report is a follow-on study to our Financially Fit research report. Rather than focus on the credit histories of young servicemembers, this study takes a closer look at the credit records of young veterans in the first year after separation from the military.
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.
This research brief is intended to help stakeholders understand how the 2015 Program for International Student Assessment (PISA) financial literacy data about the U.S. may be used to identify effective approaches to financial education and better define the metrics for success.
This report describes the background screening industry and developments in the market. While background screening reports can include various types of information and be used for several purposes, this paper focuses on reports used for employment purposes that include criminal history information.
This report on the Bureau’s September 17th, 2018 Building a Bridge to Credit Visibility Symposium summarizes the panel discussions that took place during the event and highlights the key themes that stood out from those conversations.