Reports

This report documents research findings on PACE financing from 2014 through 2020. This is in support of the PACE rulemaking mandated by EGRRCPA. We find that for consumers whose PACE loans are originated, mortgage delinquency rates increase by 2.5 percentage points over a two-year period following PACE origination, compared to those whose applications were only approved. These effects are larger for consumers with lower credit scores and with more expensive loans.

The three nationwide consumer reporting companies removed medical collections under $500 from credit reports in April 2023. We study removals of medical collections from credit reports that occurred between 2012-2020 to shed light on the potential effects of this reporting change. We find associated increases in credit score and credit availability.

The annual Making Ends Meet survey report shows how consumers’ finances changed from 2021 to 2022. After increasing during the pandemic, financial health declined from 2021 to 2022 across several measures. The finances of Hispanic consumers and consumers under age 40 deteriorated rapidly between 2021 and 2022.

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

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.

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

This report highlights the CFPB’s research on rural consumers as well as contextual information from other agencies on the consumer finance challenges faced by rural communities.

This report outlines challenges faced by justice-involved people and their families in navigating their finances at each stage of the criminal justice system.

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.