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.
This Bureau Data Point article describes 2020 mortgage market activity and trends using data reported under the Home Mortgage Disclosure Act (HMDA).
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.
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 Complaint Bulletin reflects complaint data from complaints submitted in 2020 and highlights trends in complaints mentioning coronavirus keywords.
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.
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.
2019 Bureau of Consumer Financial Protection (CFPB/BCFP) report on college credit card agreements.
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.
Our data point reports are prepared by our Office of Research to provide an evidence-based perspective on consumer financial markets, consumer behavior, and regulations to inform the public discourse.
This fourteenth data point compares borrower characteristics at mortgage servicers of different sizes and explores the role servicers of each size play in the mortgage market.
This report describes the background screening industry and developments in the market. While background screening reports can include various types of information and be used for several purposes, this paper focuses on reports used for employment purposes that include criminal history information.
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 credit reporting company.
This report presents results from a joint research study between the Consumer Financial Protection Bureau (CFPB) and Credit Karma. The purpose of the study is to examine how consumers’ subjective financial well-being relates to objective measures of consumers’ financial health, specifically, consumers’ credit report characteristics. The study also seeks to relate consumers’ subjective financial well-being to consumers’ engagement with financial information through educational tools.
This eleventh data point examines how often credit card balances are revolved on an account, or borrowed, how long balances are revolved, and how regularly they are paid down.
This report describes the Bureau’s data governance program. In addition, it describes what data the Bureau collects, where the data come from, how data are used, and how data are reused within the Bureau.
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 credit reporting company.
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.
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 credit reporting company.
This report provides data and analysis around the most common complaints submitted by servicemembers to the Bureau. This report also highlights emerging issues and continuing trends facing servicemembers in the financial marketplace.
Recent natural disasters, such as Hurricane Harvey in 2017, have significantly impacted some consumers financially. In this report, the Bureau examines how natural disasters are reported in consumers’ credit reports.
The Federal Housing Finance Agency and the CFPB are jointly releasing two technical reports about the development of the National Mortgage Database and the National Survey of Mortgage Originations.
One of the primary functions of the Bureau of Consumer Financial Protection (Bureau) is collecting, investigating, and responding to consumer complaints. The Bureau’s Office of Consumer Response hears directly from consumers about the challenges they face in the marketplace, brings their concerns to the attention of companies, and assists in addressing their complaints.
Our data point reports are prepared by our Office of Research to provide an evidence-based perspective on consumer financial markets, consumer behavior, and regulations to inform the public discourse.
Consumers typically pay for telecommunications services monthly, but most providers do not report to consumer reporting agencies unless an account is in collections. In this report, we explore how these debts are reported.
Our data point reports are prepared by our Office of Research to provide an evidence-based perspective on consumer financial markets, consumer behavior, and regulations to inform the public discourse.
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 credit reporting company.
