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.
Staying on track while giving back
This midyear report highlights the problems that student loan borrowers face when seeking to access programs designed to protect people working in public service.
Rules-based educational messages are low-cost and scalable, and can be effective. Exposure to a guideline reminding consumers to be cognizant of credit card usage led to lower card balances among consumers who carry a balance.