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 2020 mortgage market activity and trends using data reported under the Home Mortgage Disclosure Act (HMDA).
Student loan affordability
White paper on payday loans and deposit advance products
2012 College credit card agreements
Key Dimensions and Processes in the U.S. Credit Reporting System: A review of how the nation’s largest credit bureaus manage consumer data
Final Report of the Small Business Review Panel on CFPB’s Proposals Under Consideration for Mortgage Servicing Rulemaking
Reverse Mortgages Report
Report on remittance transfers
CARD Act Conference: Key findings
The data from the eight presentations at the CARD Act conference provide an overview of the credit card market – the cost of credit for consumers, the supply of and demand for credit, and industry profitability. The CFPB also released data on the day of the CARD Act conference that focused on the ways that specific industry practices addressed in the Act – such as interest rate hikes and overlimit and late fees – have changed and impacted the consumer credit card experience.