Reports

In this report, the CFPB analyzed loan-level information from six lenders and found that servicemembers experience increased financial risks at many points in auto lending compared to non-servicemembers.

In this report, we investigate the extent to which borrowers of cash-out refinance mortgages pay down non-mortgage debts with extracted equity using an event study around the refinance event.

Report on trends in repossessions in the auto finance industry using data from the auto finance data pilot.

Report providing initial findings on negative equity from the Auto Finance Data Pilot and an explanation of the dataset from the Pilot.

This special edition of Supervisory Highlights updates the public on supervisory work completed since the CFPB published the March 2023 Supervisory Highlights Junk Fees Special Edition.

This is the 29th edition of Supervisory Highlights. The findings in this report cover examinations involving fees in the areas of deposits, auto servicing, mortgage servicing, payday and small dollar lending, and student loan servicing completed between July 1, 2022, and February 1, 2023.

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.

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 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.

This Consumer Credit Trends report describes patterns in dispute flags that appear on consumers’ credit reports.

This data point examines outcomes for subprime auto loans by lender type. It finds that borrowers with loans from some kinds of financial institutions pay higher interest rates, and experience vehicle repossessions more quickly after delinquency, than comparable borrowers with loans from other kinds of financial institutions.

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.

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.

In this issue of Supervisory Highlights, we report examination findings in the areas of automobile loan origination, credit card account management, debt collection, furnishing, and mortgage origination that were generally completed between December 2018 and March 2019 (unless otherwise stated). The report does not impose any new or different legal requirements, and all violations described in the report are based only on those specific facts and circumstances noted during those examinations.

In this issue of Supervisory Highlights, we report examination findings in the areas of automobile loan servicing, deposits, mortgage servicing, and remittances that were generally completed between June 2018 and November 2018. The report does not impose any new or different legal requirements, and all violations described in the report are based only on those specific facts and circumstances noted during those examinations. As in past editions, this report includes information about recent public enforcement actions that were a result, at least in part, of our supervisory work.

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 credit reporting agency.

In this issue of Supervisory Highlights, we report examination findings in the areas of auto finance lending, credit card account management, debt collection, deposit, mortgage servicing, mortgage origination, service provider programs, short-term small-dollar lending, remittances, and fair lending.

In this issue of Supervisory Highlights, we report examination findings in the areas of automobile loan servicing, credit cards, debt collection, mortgage servicing, payday lending, and small business lending that were generally completed between December 2017 and May 2018.

In this issue of Supervisory Highlights, we report examination findings in the areas of automobile origination, automobile servicing, debt collection...

In this issue of Supervisory Highlights, we report examination findings in the areas of auto originations, debt collection, mortgage origination...

The CFPB's Office of Consumer Response hears directly from consumers about the challenges they face in the marketplace, brings their concerns to the...

This report describes the findings of consumer focus groups and consumer complaint data about the challenges of navigating the auto financing process. We...

This report examines consumer usage, default and rates of vehicle seizure for single-payment auto title loans, with a detailed look at the extent to which these loans are reborrowed.

In this issue of Supervisory Highlights, we report examination findings in the areas of consumer reporting, debt collection, mortgage origination, mortgage...

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