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.
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 2020 mortgage market activity and trends using data reported under the Home Mortgage Disclosure Act (HMDA).
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.
The 2022 Consumer Financial Protection Bureau (CFPB) report on college banking, including credit card and deposit product agreements.
Report on the Buy Now, Pay Later (BNPL) industry in the United States, focusing on consumer and marketplace impacts.
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 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 report explores both the significant consumer impact of and industry reliance on credit card late fees.
New analysis in our Making Ends Meet series shows consumers’ finances improved during the pandemic as pandemic policies protected consumers.
This Consumer Credit Trends report describes patterns in dispute flags that appear on consumers’ credit reports.
Every two years, the CFPB reports on the state of the consumer credit card market. Our report for 2021 covers how consumers use cards, the price they pay for using them, the availability of credit cards, the practices used by credit card companies and debt collectors, and innovation in the market.
2021 Bureau of Consumer Financial Protection (CFPB) report on college credit card agreements.
A new analysis in our Making Ends Meet survey series looks at how consumers use payday, auto title, and pawn loans.
The Office of Research released a research brief summarizing the results of an online experiment exploring how the amount of available savings may influence decisions about using savings to pay down credit card debt.
This report explores the prevalence of actual payment information in consumer credit reporting.
2020 Bureau of Consumer Financial Protection (CFPB/BCFP) report on college credit card agreements.
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.
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.
2019 Bureau of Consumer Financial Protection (CFPB/BCFP) report on college credit card agreements.
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.
Every two years, the CFPB reports on the state of the consumer credit card market. This is our report for 2019.
This eleventh data point examines how often credit card balances are revolved on an account, or borrowed, how long balances are revolved, and how regularly they are paid down.
The Bureau’s annual report on college credit card agreements, pursuant to the CARD Act.
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.