Fair Lending Report 2020
This report describes our fair lending activities in prioritization, supervision, enforcement, guidance and rulemaking, interagency coordination, and outreach for calendar year 2020.
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.
Data point: Mortgage trends
This Bureau Data Point article describes 2019 mortgage market activity and trends using data reported under the Home Mortgage Disclosure Act (HMDA).
Quarterly Consumer Credit Trends: Payment Amount Furnishing & Consumer Reporting
This report explores the prevalence of actual payment information in consumer credit reporting.
Special issue brief: The early effects of the COVID-19 pandemic on consumer credit
This second COVID-19 Special Issue Brief describes trends in delinquency rates, payment assistance, credit access, and account balance measures with a focus on the period since the start of the COVID-19 pandemic.
Targeting credit builder loans
Credit Builder Loans are designed for consumers looking to establish a credit score or improve an existing one, while at the same time giving them a chance to build their savings.
Quarterly Consumer Credit Trends: Recent trends in debt settlement and credit counseling
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.
The early effects of the COVID-19 pandemic on credit applications
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.
Fair Lending Report 2019
Bureau releases its annual Fair Lending Report to Congress on its activities in innovation, outreach, prioritization, guidance and rulemaking, supervision, and enforcement for calendar year 2019.
Data point: Small business lending and the Great Recession
This Data Point article tracks the evolution of small business lending before, during and following the Great Recession.
Planning for tax-time savings
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.
Building a Bridge to Credit Visibility
This report on the Bureau’s September 17th, 2018 Building a Bridge to Credit Visibility Symposium summarizes the panel discussions that took place during the event and highlights the key themes that stood out from those conversations.
Fair Lending Report 2018
This report describes our fair lending activities in innovation, outreach, prioritization, guidance and rulemaking, supervision, and enforcement for calendar year 2018.
Fair Lending Report 2017
This report describes our fair lending activities in prioritization, supervision, enforcement, guidance and rulemaking, interagency coordination, and outreach for calendar year 2017.
Data point: The geography of credit invisibility
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.
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.
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.
Fair Lending Report of the Consumer Financial Protection Bureau
Endowed by Congress with a unique consumer financial protection mission, the Consumer Financial Protection Bureau brings a new focus to questions of fair lending and equal access to credit in the consumer finance marketplace.