Our data point reports are prepared by our Office of Research to provide an evidence-based perspective on consumer financial markets, consumer behavior, and regulations to inform the public discourse. This fifth data point looks at the paths consumers who are credit invisible take to acquire a credit history.
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.
This technical report describes the development and scoring procedures of the CFPB Financial Well-Being Scale.
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.
These two reports summarize the findings of a rigorous evaluation of financial coaching and discuss the implications for financial education practitioners.
This report summarizes the findings of the Bureau’s post-proposal consumer testing of pre-acquisition disclosure forms for prepaid accounts.
The CFPB released the results of a Project Catalyst research project finding that offering a small incentive to prepaid card users to put some of their money into a savings wallet doubled uptake of the wallet. The study also found that the consumers who chose to save using the wallet continued to save after the pilot ended.
This study describes results of a survey of debt collection firms and vendors to the debt collection industry that the Consumer Financial Protection Bureau conducted to better understand the operational costs of debt collection firms.
Supplemental findings on payday, payday installment, and vehicle title loans, and deposit advance products
This report provides a variety of analyses on payday loans, payday installment loans, vehicle title loans, and deposit advance products.
We are committed to ensuring fair access to credit and eliminating discriminatory lending practices. This report describes our fair lending activities in prioritization, supervision, enforcement, rulemaking, research, interagency coordination, and outreach for calendar year 2015.
This report summarizes the findings related to the Bureau’s consumer testing of sample periodic statement forms for consumers in bankruptcy.