Fall 2020 Semi-Annual Report of the Bureau of Consumer Financial Protection.
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.
Data point: Mortgage trends
This Bureau Data Point article describes 2019 mortgage market activity and trends using data reported under the Home Mortgage Disclosure Act (HMDA).
This is a special edition of Supervisory Highlights that details the Bureau’s Prioritized Assessment (PA) work. PA observations are described in the areas of mortgage, auto and student loan servicing, credit card account management, consumer reporting-furnishing, debt collection, deposits, prepaid cards, and small business lending.
The report does not impose any new or different legal requirements, and all observations described in the report are based only on those specific facts and circumstances noted during those PAs.
The Consumer Financial Protection Bureau Taskforce on Federal Consumer Financial Law released a report with recommendations on how to improve consumer protection in the financial marketplace.
The 2020 Financial Literacy Annual Report of the Consumer Financial Protection Bureau details the Bureau’s financial literacy activities and strategy to improve the financial literacy of consumers. Overall, this report describes the Bureau’s efforts in a broad range of financial literacy areas relevant to consumers’ financial lives.
This report provides an overview of the Bureau’s publicly available website and digital services, in accordance with the reporting requirements of the 21st Century Integrated Digital Experience Act or the 21st Century IDEA (Public Law No. 115-336).
This report explores the prevalence of actual payment information in consumer credit reporting.
Debt and delinquency after military service: A study of the credit records of young veterans in the first year after separation
This report is a follow-on study to our Financially Fit research report. Rather than focus on the credit histories of young servicemembers, this study takes a closer look at the credit records of young veterans in the first year after separation from the military.
2020 Bureau of Consumer Financial Protection (CFPB/BCFP) report on college credit card agreements.
Children’s Savings Account (CSA) programs provide children and families with long-term savings or investment accounts and incentives to save for postsecondary education.
This Data Point provides new information about the types of changes that occur during the mortgage origination process.
Integrated Mortgage Disclosures Under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z) Rule Assessment
This report describes the TRID Rule, the market, and the Bureau’s findings on the Rule’s effectiveness in meeting factors outlined in Dodd-Frank.
The Office of Research released a research brief that explores consumers’ perceived financial preparedness, saving habits, and financial security.
In this edition of Supervisory Highlights, we report examination findings in the areas of consumer reporting, debt collection, deposits, fair lending, mortgage servicing and payday lending. 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.
This is the seventh report on the Bureau’s compliance with the Plain Language Act of 2010.
This second COVID-19 Special Issue Brief describes trends in delinquency rates, payment assistance, credit access, and account balance measures with a focus on the period since the start of the COVID-19 pandemic.
An updated review of the new and revised data points in HMDA: Further observations using the 2019 HMDA data
The goal of this article is to help the public become more familiar with the new and revised data points in the 2019 HMDA data and to provide some initial observations about the nation’s mortgage market in 2019 using those new and revised data points. As in last year’s article, the focus of this article is on cross-sectional analyses, i.e. using the data contained in one year’s loan application registrar (LAR) to explore various patterns and relationships between different data fields to provide some initial observations.
This report summarizes the Bureau’s February 26, 2020, symposium on Consumer Access to Financial Records and Section 1033 of the Dodd-Frank Act.
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.