Who are the credit invisibles? How to help people with limited credit histories
A brief on credit invisibility, implications for consumers, and steps that communities can take to help consumers build or rebuild their credit.
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.
Featured
2017 mortgage market activity and trends
This data point describes mortgage market activity over time based on data reported under the Home Mortgage Disclosure Act.
CFPB data point: Becoming credit visible
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.
Key dimensions of the small business lending landscape
This paper reflects initial findings of the Bureau’s research on the small business lending market. It provides a preliminary understanding of the small business lending environment, with a particular emphasis on lending to women-owned and minority-owned small businesses.
Fair Lending Report 2016
This report describes our fair lending activities in prioritization, supervision, enforcement, rulemaking, interagency coordination, and outreach for calendar year 2016.
Mobile financial services: A summary of comments from the public on opportunities, challenges, and risks for the underserved
The CFPB’s Office of Financial Empowerment issued a Request for Information (RFI) to find out more about mobile financial services and how low-income and economically vulnerable consumers are using them.
Data point: Credit invisibles
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.
Fair Lending Report 2014
We’ve taken important strides over the last year in our efforts to protect consumers from credit discrimination and broaden access to credit, as we identify new fair lending risks and monitor institutions for compliance.
Using publicly available information to proxy for unidentified race and ethnicity
We ensure that lenders are complying with fair lending laws and are addressing discrimination across the consumer credit industry.
Empowering low income and economically vulnerable consumers
The low-income and economically vulnerable population includes as many as 100 million people.
White paper on payday loans and deposit advance products
During the past year, the Consumer Financial Protection Bureau (CFPB) has engaged in an indepth review of short-term small dollar loans, specifically payday loans extended by nondepository institutions and deposit advance products offered by a small, but growing, number of depository institutions to their deposit account customers.