Research and reports

The Office of Research released a report that synthesizes the rigorous research of programs and strategies aiming to help consumers achieve greater liquid savings.

This Complaint Bulletin reflects complaint data from complaints submitted in 2020 and highlights trends in complaints mentioning coronavirus keywords.

This report uses a representative sample of young servicemembers’ credit reports to show how their credit histories evolve from the time they turn 18 until their mid-twenties. It also compares servicemembers to a cohort of same-age civilians.

Credit Builder Loans are designed for consumers looking to establish a credit score or improve an existing one, while at the same time giving them a chance to build their savings.

This report summarizes the initial results from the Making Ends Meet survey, a nationally representative survey of adults with a credit record developed by the CFPB’s Office of Research.

Quarterly consumer credit trends reports focus on a specific consumer financial product or issue using a longitudinal, nationally representative sample of de-identified credit records maintained by a nationwide consumer reporting agency.

Spring 2020 Semi-Annual Report of the Bureau of Consumer Financial Protection.

2019 HMDA Mortgage Market Activity and Trends summarizes the historical data points in the 2019 HMDA data, as well as recent trends in mortgage and housing markets.

This study examines whether people who retired between 1992 and 2014 were able to maintain the same spending level for five consecutive years after retiring.

This Complaint Bulletin reflects complaint data from complaints submitted in 2020 and highlights trends in complaints mentioning coronavirus keywords.

We follow specific standards for maintaining affirmative employment programs and take steps to ensure that policies, practices, and procedures are conducted in an inclusive manner for employees and applicants.

This report uses the Bureau’s Consumer Credit Panel to study the early effects of the COVID-19 pandemic on credit applications overall, by credit score group, and across the states.

Bureau releases its annual Fair Lending Report to Congress on its activities in innovation, outreach, prioritization, guidance and rulemaking, supervision, and enforcement for calendar year 2019.

This report is about the work of the CFPB’s Office of Servicemember Affairs for the period from October 1, 2018 to September 30, 2019.

This report provides detailed information about the diversity and inclusion work of Bureau of Consumer Financial Protection from Oct. 1, 2018 to Sept. 30, 2019.

We began consumer response operations on July 21, 2011 as the nation’s first federal agency specifically mandated to protect American consumers in the financial marketplace.

The CFPB presents its Notification and Federal Employee Antidiscrimination and Retaliation Act of 2002 (No FEAR Act) Annual Report of Fiscal Year (FY) 2019.

The Bureau is pleased to submit to Congress its annual report summarizing the Bureau’s activities along with those of the Federal Trade Commission to administer the Fair Debt Collection Practices Act (FDCPA).

This report explores the prevalence and ease of first-time homeownership over time.

On January 3, 2019, the Good Accounting Obligation in Government Act (GAO-IG Act) was enacted as Public Law number 115-414. The GAO-IG Act requires agencies to annually submit a report to Congress on the status of open public audit recommendations. This report is the first published by the Bureau of Consumer Financial Protection in compliance with that law.

Between May and September 2019, the CFPB conducted a large-scale online survey experiment designed to test several versions of disclosures to support understanding of time-barred debt and revival. The results of the survey experiment are summarized in this report.  

In September 2019, the CFPB engaged ICF International, Inc., to launch a large-scale online survey experiment designed to test several versions of disclosures to support understanding of time-barred debt and revival. ICF produced this report describing the methodology of this survey experiment, including sampling, response rates, and question development.

In this issue of Supervisory Highlights, we report examination findings in the areas of debt collection, mortgage servicing, payday lending, and student loan servicing that were completed between April 2019 and August 2019. The report does not impose any new or different legal requirements, and all violations described in the report are based only on those specific facts and circumstances noted during those examinations.

Fall 2019 Semi-Annual Report of the Bureau of Consumer Financial Protection