This paper reflects initial findings of the Bureau’s research on the small business lending market. It provides a preliminary understanding of the small business lending environment, with a particular emphasis on lending to women-owned and minority-owned small businesses.
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.
Financial Well-being of Older Americans
This report uses data from the National Financial
Well-Being Survey to examine the distribution of financial well-being scores
for adults ages 62 and older.
This report summarizes strategies for promoting diversity and inclusion used by mortgage industry participants as discussed at the Bureau’s initial roundtable. It highlights the business case for diversity along with current approaches and practices used in the mortgage industry, such as establishing buy-in from top leadership, integrating principles of inclusion in recruiting and hiring, and the importance of data in assessing the impact of diversity on keeping organizations competitive. The report is the result of the CFPB’s collaboration with the financial services industry to raise awareness of the importance of strengthening diversity and inclusion within organizations.
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.
This report provides an introduction to the online marketplace for charged-off debt.
This report provides an overview of Project Catalyst’s work to promote consumer-friendly innovation and highlights the importance of ensuring consumer protections are built into emerging products and services from the outset.
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.
This report examines consumer usage, default and rates of vehicle seizure for single-payment auto title loans, with a detailed look at the extent to which these loans are reborrowed