Quarterly consumer credit trends reports focus on a specific consumer financial product or issue using a longitudinal, nationally-representative sample of de-identified credit records maintained by a nationwide credit reporting agency.
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.
Staying on track while giving back
This midyear report highlights the problems that student loan borrowers face when seeking to access programs designed to protect people working in public service.
These consumer protection principles are intended to help safeguard consumer interests as the consumer-authorized aggregation services market develops.
Student loan debt is having an increasing impact on older Americans, according to CFPB research.
This report spotlights the growing number of employer-based student loan repayment programs that can save eligible employees hundreds of thousands in loan principle and interests payments, but where barriers to innovation exist. This report also features a series of recommendations to help employers and other companies that manage benefits programs ensure that borrowers receive the maximum value.
This paper reflects initial findings of the Bureau’s research on the small business lending market. It provides a preliminary understanding of the small business lending environment, with a particular emphasis on lending to women-owned and minority-owned small businesses.
This report summarizes strategies for promoting diversity and inclusion used by mortgage industry participants as discussed at the Bureau’s initial roundtable. It highlights the business case for diversity along with current approaches and practices used in the mortgage industry, such as establishing buy-in from top leadership, integrating principles of inclusion in recruiting and hiring, and the importance of data in assessing the impact of diversity on keeping organizations competitive. The report is the result of the CFPB’s collaboration with the financial services industry to raise awareness of the importance of strengthening diversity and inclusion within organizations.
Consumer Experiences With Debt Collection: Findings From the CFPB’s Survey on Consumer Views on Debt
This report presents the results of the Survey of Consumer Views on Debt, which was conducted by the CFPB between December 2014 and March 2015 to better understand consumers’ experiences and preferences related to debt collection.
This report provides an introduction to the online marketplace for charged-off debt.
This report provides an overview of Project Catalyst’s work to promote consumer-friendly innovation and highlights the importance of ensuring consumer protections are built into emerging products and services from the outset.
This report summarizes the findings of the Bureau’s post-proposal consumer testing of pre-acquisition disclosure forms for prepaid accounts.