This report provides a brief overview of third-party debt collections tradelines. It compares tradelines from debt buyers to those from other debt collectors.
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.
Suspicious Activity Reports on Elder Financial Exploitation
This study analyzes a rich, non-public data set to shed light on the volume and characteristics of elder financial abuse.
Reporting of Suspected Elder Financial Exploitation by Financial Institutions: An update to the 2016 Advisory and Recommendations
This Advisory Update focuses on financial institution reporting of elder financial exploitation to federal, state and local first responders.
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 our fair lending activities in innovation, outreach, prioritization, guidance and rulemaking, supervision, and enforcement for calendar year 2018.
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.
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.
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.
Bureau of Consumer Financial Protection Independent Audit of Selected Operations and Budget, Fiscal Year 2018
In accordance with the Dodd-Frank Act, the CFPB orders an annual independent audit of the operations and budget of the Bureau. The purpose of this audit is to provide objective analyses to improve program performance and operations, reduce costs, facilitate decision-making, and contribute to public accountability.
This report describes the outcomes of the Bureau-initiated community convenings in Florida, Oklahoma, Tennessee, Montana, and Oregon. The purpose of the report is to share the learnings and achievements from the convenings to encourage the establishment of new or enhance existing networks and help communities improve coordination and collaboration between responders and service providers.
The Bureau of Consumer Financial Protection released the findings of its assessment of the Remittance Rule. The report describes the Rule, the market, and the Bureau’s findings on the Rule’s effectiveness in meeting factors outlined in the Dodd-Frank Act.