Research and reports

This Bureau Data Point article describes 2020 mortgage market activity and trends using data reported under the Home Mortgage Disclosure Act (HMDA).

A brief overview of the general lending patterns of HMDA reporters with the closed-end origination volumes around the new HMDA reporting threshold set by the 2020 HMDA Rule.

This report analyzes manufactured home loans, using two new fields in the Home Mortgage Disclosure Act (HMDA) data to understand the manufactured housing finance market and compare chattel loans and mortgages.

A new analysis in our Making Ends Meet survey series looks at how consumers use payday, auto title, and pawn loans.

This report describes our fair lending activities in prioritization, supervision, enforcement, guidance and rulemaking, interagency coordination, and outreach for calendar year 2020.

This report explores the prevalence of actual payment information in consumer credit reporting.

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.

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 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.

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.

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.

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

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 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.

This report describes our fair lending activities in innovation, outreach, prioritization, guidance and rulemaking, supervision, and enforcement for calendar year 2018.

This report describes our fair lending activities in prioritization, supervision, enforcement, guidance and rulemaking, interagency coordination, and outreach for calendar year 2017.

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.

A brief on credit invisibility, implications for consumers, and steps that communities can take to help consumers build or rebuild their credit. 

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 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.

This report describes our fair lending activities in prioritization, supervision, enforcement, rulemaking, interagency coordination, and outreach for calendar year 2016.