Reports

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.

This report summarizes some of the relevant data and research on the impact of the pandemic on the rental and mortgage market, and particularly its impact on low income and minority households. 11 million renter and homeowner households were significantly overdue on their regular housing payments as of December 2020, placing them at heightened risk of losing their homes to foreclosure or eviction over the coming months. Black and Hispanic households were more than twice as likely to report being behind on their payments than white households.

This report summarizes the Bureau’s February 26, 2020, symposium on Consumer Access to Financial Records and Section 1033 of the Dodd-Frank Act.

This report explores the prevalence and ease of first-time homeownership over time.

This report provides a brief overview of third-party debt collections tradelines. It compares tradelines from debt buyers to those from other debt collectors.

This Advisory Update focuses on financial institution reporting of elder financial exploitation to federal, state and local first responders.

This report describes the Bureau’s data governance program. In addition, it describes what data the Bureau collects, where the data come from, how data are used, and how data are reused within the Bureau.

This report identifies key patterns revealed in Suspicious Activity Reports (SARs) on elder financial exploitation filed by financial institutions with the Financial Crimes Enforcement Network (FinCEN) from 2013 to 2017.

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 paper reflects initial findings of the Bureau's research on the small business lending market. It provides a preliminary understanding of the small...

This report summarizes strategies for promoting diversity and inclusion used by mortgage industry participants as discussed at the Bureau's initial...

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...

This report summarizes the findings of the Bureau’s post-proposal consumer testing of pre-acquisition disclosure forms for prepaid accounts.

This report summarizes the findings related to the Bureau’s consumer testing of sample periodic statement forms for consumers in bankruptcy.

Banks and credit unions are uniquely positioned to detect elder financial exploitation and to take action. This advisory and report include best practices...

The Credit Card Accountability, Responsibility and Disclosure Act ("CARD Act") requires us to submit to Congress, and to make available to the public, an...

Every two years, the CFPB reports on the state of the consumer credit card market. This is our report for 2015.

This report reviews and discusses public comments submitted in response to a Request for Information Regarding Student Loan Servicing published in the...

As part of the our broader efforts to improve the mortgage process for consumers, we took a close look at one important part of a mortgage transaction: the...

Faster payment systems hold great promise for consumers. But to be safe, transparent, accessible, and efficient, faster payment systems must keep consumer protection concerns in mind.

Ads for reverse mortgages are found on television, radio, in print, and on the internet, and many ads feature celebrity spokespeople discussing the benefits...

The Dodd-Frank Wall Street Reform and Consumer Protection Act requires that we study arbitration agreements and provide a report to Congress of our findings.