Reports

Report provides detailed information on new rental housing payment data with comparisons to external sources.

In this report, we investigate the extent to which borrowers of cash-out refinance mortgages pay down non-mortgage debts with extracted equity using an event study around the refinance event.

Buy Now, Pay Later (BNPL) loans have grown rapidly in the United States (U.S.) since 2019. This study overcomes this data gap by using a matched sample of BNPL applications and originations for pay-in-four loans from six large BNPL firms (Affirm, Afterpay, Klarna, PayPal, Sezzle, and Zip) with their corresponding de-identified credit records.

This report looks at flood risk in the southeast and central southwest census regions of the United States, as measured by flood risk data from both the Federal Emergency Management Agency (FEMA) and the First Street Foundation and merge with data from the 2018-2022 Home Mortgage Disclosure Act.

This Bureau report describes 2023 mortgage market activity and trends using data reported under the Home Mortgage Disclosure Act (HMDA).

CFPB report on how federal student loan borrowers have fared with the end of the payment pause and the return to repayment.

The annual Making Ends Meet survey report highlights new trends in household financial stability.

The Consumer Financial Protection Bureau (“CFPB”) and the U.S. Department of Justice (“DOJ”) conducted matched-pair testing to test for and detect differential treatment of fictitious well-qualified Black and white small business owners seeking credit at large bank lenders in two counties.

CFPB report on student loan borrower survey, with findings on income-driven repayment (IDR), payment pause, return to repayment, debt relief, and loan forgiveness.

This report provides new insights about distressed borrowers’ experiences with mortgage servicing and loss mitigation processes using data from the 2020 wave of the American Survey of Mortgage Borrowers (ASMB).

This report provides new insights on how price complexity may affect markets for consumer goods. We report on two laboratory experiments that investigated the effects of price complexity on market outcomes.

This report explores the differences across neighborhoods in the number of mortgage lenders originating loans, investigates the neighborhood-level correlates of this measure, and explores its associations with consumer-level outcomes.

This report provides new insights about consumers’ experiences with overdraft and NSF fees, and paints a broad picture of the financial circumstances of these consumers.

The annual Making Ends Meet survey report highlights new trends in household financial stability.

This Bureau Data Point article describes 2022 mortgage market activity and trends using data reported under the Home Mortgage Disclosure Act (HMDA).

This report provides a broad look at consumer financial profiles in eight states in the southern region of the U.S., including credit scores, financial distress, medical collections, and other debt categories.

This report documents research findings on the impact of PACE financing on consumer financial outcomes from 2014 through 2020.

We study removals of medical collections from credit reports that occurred between 2012-2020 and find associated increases in credit score and credit availability.

This staff report provides a window into the financial circumstances faced by customers of Southern Bancorp Bank, a CDFI that serves some of the most economically underserved areas in the United States.

This report contains the findings of the Bureau’s voluntary review of the final rule on the Home Mortgage Disclosure Act the Bureau issued in October 2015 (2015 HMDA Final Rule) and related amendments (collectively, the HMDA Rule).

This report explores the consumer financial profiles of Buy Now, Pay Later (BNPL) borrowers using the Bureau’s Making Ends Meet survey and its association with credit bureau data.

The annual Making Ends Meet survey report shows how consumers’ finances changed from 2021 to 2022.

This report provides new insights into the automated saving rules consumers use (e.g., save on payday or with each purchase) and how these rules relate to the amount saved.

This Bureau Data Point article describes 2021 mortgage market activity and trends using data reported under the Home Mortgage Disclosure Act (HMDA).

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.