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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.

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Published

Recent Changes in Medical Collections on Consumer Credit Records

Medical collections on consumer credit reports have been an area of focus for CFPB research in recent years. In addition to studying trends in medical debt as a whole, CFPB reports have documented the burden of medical debt on older Americans, and the incidence of medical collections in rural counties in Appalachia and the Deep South region.
Office of Research Publication
Published

Consumer Credit Trends Report: Paid and Low-Balance Medical Collections on Consumer Credit Reports

This is part of a series of reports of consumer credit trends produced by the Consumer Financial Protection Bureau using a longitudinal sample of approximately five million de-identified credit records from one of the three nationwide consumer reporting agencies.
Office of Research Publication
Published

New Data on the Characteristics of Mortgage Borrowers During the COVID-19 Pandemic

This COVID-19 Special Issue Brief follows up on a May 2021 report that discussed the characteristics of mortgage borrowers, including demographics, during the COVID-19 pandemic. A significant number of homeowners have transitioned out of those forbearances over the last year due, in part, to improving economic conditions and the expiration of protections under these programs for many loans beginning in the Fall of 2021. Given these changes, our goal in this report is to better understand the characteristics of borrowers who remain in forbearance, as reported through January 2022.