Reports

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 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.

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 report uses the Bureau’s Consumer Credit Panel to study the early effects of the COVID-19 pandemic on credit applications overall, by credit score group, and across the states.

Between May and September 2019, the CFPB conducted a large-scale online survey experiment designed to test several versions of disclosures to support understanding of time-barred debt and revival. The results of the survey experiment are summarized in this report.

In September 2019, the CFPB engaged ICF International, Inc., to launch a large-scale online survey experiment designed to test several versions of disclosures to support understanding of time-barred debt and revival.

This Data Point article tracks the evolution of small business lending before, during and following the Great Recession.

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.

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.

A large study exploring tax-time saving found that early messaging and small incentives were effective at encouraging some customers to save using a savings feature on their prepaid card.

This data point article summarizes the historical data points 2018 Home Mortgage Disclosure Act (HMDA) data, as well as recent trends in mortgage and housing markets..

This data point article introduces the new and revised data points in the 2018 Home Mortgage Disclosure Act (HMDA) data.

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.

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.

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.

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...

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.