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.

Data point: Mortgage trends

This Bureau Data Point article describes 2020 mortgage market activity and trends using data reported under the Home Mortgage Disclosure Act (HMDA).

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Technical correction and update to the CFPB's credit invisibles estimate

We estimate the share of the U.S. adult population who are credit invisible in 2020 to be 2.7 percent. Additionally, we revise the 2010 share from 11.0 to 5.8 percent because of data corrections.

To Congress

Published DEC 23, 2024

College Banking and Credit Card Agreements

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.

Office of Research Publication

Published DEC 13, 2024

2023 Mortgage Market Activity and Trends

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

Office of Research Publication

Published NOV 26, 2024

An analysis of the first seven months of the federal student loan return to repayment

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

Office of Research Publication

Published NOV 20, 2024

Making Ends Meet in 2024: Insights from the Making Ends Meet Survey

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

To Congress

Published NOV 15, 2024

Annual Report of the CFPB Student Loan Ombudsman

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

Office of Research Publication

Published NOV 13, 2024

Insights from the 2023-2024 Student Loan Borrower Survey

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

Industry and markets

Published NOV 12, 2024

State Consumer Privacy Laws and the Monetization of Consumer Financial Data

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

Data spotlight Data spotlight

Published JUL 18, 2024

Data Spotlight: Developments in the Paycheck Advance Market

This data spotlight covers developments in the paycheck advance market, covering products also referred to as wage advance programs, small loans, earned wage access, earned wage advances, early wage access, on demand pay, and income-based advances.

To Congress

Published APR 08, 2024

CFPB FY 2023 Office of Minority and Women Inclusion (OMWI) Report to Congress

The FY 2023 OMWI annual report to Congress provides detailed information about the diversity, equity, inclusion, and accessibility (DEIA) work of the Consumer Financial Protection Bureau from Oct. 1 2022 to Sept. 30 2023.

Issue spotlight

Published APR 04, 2024

Banking in video games and virtual worlds

Gaming marketplaces increasingly incorporate banking and payment systems. Learn how the CFPB is monitoring the use of virtual currencies in online games.

Data spotlight

Published FEB 16, 2024

Credit card data: Small issuers offer lower rates

Latest credit card data from the CFPB shows that the 25 largest financial institutions offered consumers higher interest rates than smaller banks and credit unions in first half of 2023.

By CFPB Office of Markets

Office of Research Publication

Published DEC 01, 2023

Making Ends Meet in 2023: Insights from the Making Ends Meet Survey

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

By Office of Research

Office of Research Publication

Published SEP 27, 2023

Data Point: 2022 Mortgage Market Activity and Trends

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

Office of Research Publication

Published MAY 01, 2023

Property Assessed Clean Energy (PACE) Financing and Consumer Financial Outcomes

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

Data point Office of Research Publication

Published APR 26, 2023

Consumer Credit and the Removal of Medical Collections from Credit Reports

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

Consumer complaint To Congress

Published MAR 31, 2023

2022 Consumer Response annual report

This annual report analyzes complaints submitted by consumers to the CFPB between January and December 2022.

Consumer complaint

Published JAN 03, 2023

Annual report of consumer and credit reporting complaints: An analysis of complaint responses by Equifax, Experian, TransUnion

This report summarizes information about certain consumer complaints transmitted by the CFPB to nationwide consumer reporting agencies (NCRAs)—Equifax, Experian, and TransUnion.

Consumer complaint

Published NOV 10, 2022

Complaint Bulletin: An analysis of consumer complaints related to crypto-assets

This report analyzes complaints related to crypto-assets submitted to the CFPB. This report finds that fraud, theft, hacks, and scams are a significant problem in crypto-asset markets.

Office of Research Publication

Published SEP 19, 2022

Data Point: 2021 Mortgage Market Activity and Trends

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

Industry and markets

Published SEP 15, 2022

Buy Now, Pay Later: Market trends and consumer impacts

Report on the Buy Now, Pay Later (BNPL) industry in the United States, focusing on consumer and marketplace impacts.

Industry and markets

Published AUG 04, 2022

The Convergence of Payments and Commerce: Implications for Consumers

In recent years, the payment space has moved from an ecosystem with clear constraints and established players to a rapidly evolving environment.

Industry and markets

Published MAY 16, 2022

Mortgage Servicing COVID-19 Pandemic Response Metrics: New Observations from Data Reported by Sixteen Servicers for May-December 2021

This report presents the CFPB’s observations of data provided by sixteen mortgage servicers for the period May-December 2021 regarding key servicing metrics and COVID-19 pandemic response.

Consumer complaint

Published APR 20, 2022

Complaint Bulletin: Medical billing and collection issues described in consumer complaints

This report analyzes debt collection and credit or consumer reporting complaints submitted to the Bureau in 2021.

Consumer education and empowerment Data spotlight

Published APR 19, 2022

Data Spotlight: Challenges in Rural Banking Access

This report highlights the CFPB’s research on rural consumers as well as contextual information from other agencies on the consumer finance challenges faced by rural communities.

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