Understanding the effects of certain deposit regulations on financial institutions’ operations
Consumer financial markets do not always operate efficiently and fairly.
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.
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).
Analysis of Differences between Consumer- and Creditor-Purchased Credit Scores
When consumers purchase their credit scores from one of the major nationwide consumer reporting agencies (CRAs), they often receive scores that are not...
Private Student Loans Report
The Dodd-Frank Wall Street Reform and Consumer Protection Act requires the Director of the Bureau and the Secretary of Education to submit a report on...
The impact of differences between consumer- and creditor-purchased credit scores
A credit score is a numerical summary of a consumer's apparent creditworthiness, based on the consumer's credit report, and reflects the relative likelihood...