Reports

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.

Forced collection of Social Security benefits increasingly pushes borrowers into poverty and hardship, undermining the purpose of the Social Security program.

This report provides new insights about the financial security of small business owners using questions about business ownership in the Making Ends Meet Survey.

The CFPB's eleventh annual Plain Writing Act Compliance Report is presented to fulfill the Bureau’s statutory responsibilities pursuant to the Plain Writing Act of 2010.

Pursuant to the CARD Act, the CFPB’s College Banking and Credit Card Agreements report monitors financial products offered through colleges, specifically deposit and prepaid accounts and credit cards.

This is the 37th edition of Supervisory Highlights. This edition of Supervisory Highlights covers recent supervisory findings in the areas of deposits, furnishing, and short-term small dollar lending.

Retail credit cards, which tend to be more accessible to consumers with lower credit scores, can pose heightened risk for consumer harm.

Some people become homeowners following divorce or the death of a spouse. CFPB rules and federal housing program guidelines require mortgage servicers to help these homeowners in a timely way. CFPB complaints suggest that some mortgage servicers are making it difficult for surviving spouses and other homeowners to get the help they need.

Credit card cash advance fees and interest rise as online sports betting grows.

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

Consumers in Native American communities disproportionately experience medical debt in collections on credit reports.

Spring 2024 Semi-Annual Report of the Consumer Financial Protection Bureau

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.

2024 Student Loan Ombudsman annual report, with an analysis of student loan borrower complaints and policy recommendations.

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.

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

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.

New state laws give consumers the right to access, correct, and delete consumer data, but exempt financial institutions and credit reports from these protections.

The findings in this edition of Supervisory Highlights cover select examinations related to auto-finance that were generally completed between November 1, 2023, and August 30, 2024.

The Office of Servicemember Affairs’ annual report on the top financial concerns facing servicemembers, veterans, and military families, based on the complaints they submitted to the CFPB.

Monthly principal and interest payments rose 78% driven by interest rates jumping from historic lows in 2021 to highs in 2023.

The CFPB's annual report to Congress summarizes its activities, and those of the Federal Trade Commission (FTC), in administering the Fair Debt Collection Practices Act (FDCPA) in 2023. This report also highlights consumer protection issues in medical and rental debt collection.

The CFPB examines consumer risks related to fees on cash-back transactions at retail point of sale, finding that Kroger Co, Dollar General, Dollar Tree, and Family Dollar, charge fees for small amounts while other sampled retailers do not.