Reports

Our reports focus on a wide range of topics including how consumers interact with financial products and services, trends in specific markets such as debt collection and credit cards, and the experiences of selected populations such as servicemembers, older Americans, and traditionally underserved consumers. Review our reports and analyses to help inform your decisions, policies, and practices.

Debt Burdens Among Credit-Linked Consumers in the United States

Using consumer credit record data, CFPB researchers document how often consumers share credit with likely-household members, what types of credit they share, and what we might miss by focusing solely on individuals.

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Consumer Snapshot: Tenant Background Checks

This bulletin outlines difficulties prospective renters encountered in connection with a landlord’s use of a tenant screening report, based on complaints submitted to the CFPB and CFPB-commissioned qualitative research.

Industry and markets

Published NOV 15, 2022

Tenant Background Checks Market Report

Each year, millions of consumers encounter tenant screening as a gateway in their path to rental housing.

Consumer complaint

Published NOV 10, 2022

Complaint Bulletin: An analysis of consumer complaints related to crypto-assets

This report analyzes complaints related to crypto-assets submitted to the CFPB. This report finds that fraud, theft, hacks, and scams are a significant problem in crypto-asset markets.

Supervisory Highlights

Published NOV 09, 2022

Supervisory Highlights, Issue 28, Fall 2022

This is the 28th edition of Supervisory Highlights. The findings in this report cover examinations in the areas of auto servicing, consumer reporting, credit card account management, debt collection, deposits, mortgage origination, mortgage servicing and payday lending completed between January 1, 2022, and June 31, 2022.

To Congress

Published OCT 20, 2022

2022 Annual Report of the CFPB Education Loan Ombudsman

This report is required by statute. It covers the student lending market, complaints, challenges for consumers, and makes recommendations to policy makers.

To Congress

Published OCT 11, 2022

2022 College banking and credit card agreements

The 2022 Consumer Financial Protection Bureau (CFPB) report on college banking, including credit card and deposit product agreements.

To Congress

Published SEP 30, 2022

Plain Writing Act Compliance Report 2022

The Consumer Financial Protection Bureau’s ninth annual Plain Writing Act Compliance Report is presented to fulfill the Bureau’s statutory responsibilities pursuant to the Plain Writing Act of 2010.

Consumer education and empowerment

Published SEP 28, 2022

Recovering from Elder Financial Exploitation: A framework for policy and research

Elder financial exploitation (EFE) robs millions of older adults of their money and property. This report provides the first comprehensive description of the experience of how older adults recover from elder financial exploitation.

Office of Research Publication

Published SEP 19, 2022

Data Point: 2021 Mortgage Market Activity and Trends

This Bureau Data Point article describes 2021 mortgage market activity and trends using data reported under the Home Mortgage Disclosure Act (HMDA).

Industry and markets

Published SEP 15, 2022

Buy Now, Pay Later: Market trends and consumer impacts

Report on the Buy Now, Pay Later (BNPL) industry in the United States, focusing on consumer and marketplace impacts.

Issue spotlight

Published SEP 08, 2022

Issue Spotlight: Nursing Home Debt Collection

An analysis of the risks that nursing home residents and their caregivers face by assessing consumer complaints, nursing home admission contracts, and debt collection lawsuits.

Office of Research Publication

Published SEP 01, 2022

Consumer Finances in Rural Appalachia

This report focuses on the consumer finances of rural Appalachians, and is the first in a series of reports focusing on the finances of rural consumers.

To Congress

Published AUG 15, 2022

Consumer Financial Protection Bureau Independent Audit of Selected Operations and Budget

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.

Industry and markets

Published AUG 04, 2022

The Convergence of Payments and Commerce: Implications for Consumers

In recent years, the payment space has moved from an ecosystem with clear constraints and established players to a rapidly evolving environment.

Office of Research Publication

Published JUL 28, 2022

Understanding Required Financial Assistance in Medical Care

Charity care is one of the main forms of assistance hospitals offer to low-income consumers to help cover the cost of medical treatment.

Office of Research Publication

Published JUL 27, 2022

Consumer Credit Trends Report: Paid and Low-Balance Medical Collections on Consumer Credit Reports

This is part of a series of reports of consumer credit trends produced by the Consumer Financial Protection Bureau using a longitudinal sample of approximately five million de-identified credit records from one of the three nationwide consumer reporting agencies.

Industry and markets

Published JUN 29, 2022

Credit Card Line Decreases

This consumer credit trends report explores credit card line decreases and changes in consumer credit characteristics.

Consumer complaint

Published JUN 13, 2022

Office of Servicemember Affairs 2021 Annual Report

The Office of Servicemember Affairs’ 2021 annual report on the top financial concerns facing servicemembers, veterans, and military families, based on the complaints they submitted to the CFPB.

Data spotlight

Published JUN 07, 2022

Data Spotlight: Financial well-being in America, from 2017 to 2020

This data spotlight shares findings on the state of financial well-being in 2020 and how it has changed over time, with an emphasis on the negative impact among certain demographics and U.S. adults with lower financial well-being.

Consumer education and empowerment

Published MAY 24, 2022

Data Spotlight: Financial challenges faced by recently widowed older adults

Over 1.2 million adults ages 60 and older lost a spouse in 2019. This spotlight describes the characteristics and financial circumstances of older surviving spouses.

Industry and markets

Published MAY 16, 2022

Mortgage Servicing COVID-19 Pandemic Response Metrics: New Observations from Data Reported by Sixteen Servicers for May-December 2021

This report presents the CFPB’s observations of data provided by sixteen mortgage servicers for the period May-December 2021 regarding key servicing metrics and COVID-19 pandemic response.

Consumer education and empowerment

Published MAY 10, 2022

Data Spotlight: Profiles of older adults living in mobile homes

This data spotlight examines the characteristics and experiences of the 3.2 million older adults living in mobile homes in 2022.

To Congress

Published MAY 06, 2022

Fair Lending Report of the Consumer Financial Protection Bureau 2021

The Bureau is committed to ensuring fair, equitable, and nondiscriminatory access to credit for both individuals, small businesses, and communities. This report describes our fair lending activities in enforcement and supervision; guidance and rulemaking; interagency coordination; and outreach and education for calendar year 2021.

Supervisory Highlights

Published MAY 02, 2022

Supervisory Highlights, Issue 26, Spring 2022

This is the 26th edition of Supervisory Highlights. The findings included in this report cover examinations completed between July 2021 and December 2021 in the areas of auto servicing, consumer reporting, credit card account management, debt collection, deposits, mortgage origination, prepaid accounts, remittances, and student loan servicing.

To Congress

Published APR 22, 2022

Equal Employment Opportunity (EEO) program status report for fiscal year (FY) 2021

The FY 2021 Equal Employment Opportunity status report known as Management Directive 715 (MD-715) for the Consumer Financial Protection Bureau (CFPB).

Page last modified Oct. 20, 2026 @ 02:28 PM EDT