Quarterly Consumer Credit Trends: Payment Amount Furnishing & Consumer Reporting
This report explores the prevalence of actual payment information in consumer credit reporting.
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 2019 mortgage market activity and trends using data reported under the Home Mortgage Disclosure Act (HMDA).
Targeting credit builder loans
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.
The early effects of the COVID-19 pandemic on credit applications
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.
Quarterly Consumer Credit Trends: Public records, credit scores, and credit performance
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.
Supervisory Highlights Consumer Reporting Special Edition, Issue No. 20 (Fall 2019)
In this special issue of Supervisory
Highlights, we report examination findings in the areas of consumer reporting and furnishing
of information to consumer reporting companies, pursuant to the Fair Credit
Reporting Act and Regulation V. 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.
Supervisory Highlights, Issue No. 19 (Summer 2019)
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.
Building a Bridge to Credit Visibility
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.
Market Snapshot: Third-Party Debt Collections Tradeline Reporting
This report provides a brief overview of third-party debt collections tradelines. It compares tradelines from debt buyers to those from other debt collectors.
Quarterly Consumer Credit Trends: Timing of Applications for Consumer Credit
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 company.
Quarterly Consumer Credit Trends: Mortgages to First-time Homebuying Servicemembers
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 company.
Quarterly Consumer Credit Trends: Natural Disasters and Credit Reporting
Recent natural disasters, such as Hurricane Harvey in 2017, have significantly impacted some consumers financially. In this report, the Bureau examines how natural disasters are reported in consumers’ credit reports.
Quarterly consumer credit trends: Telecommunications debt collection
Consumers typically pay for telecommunications services monthly, but most providers do not report to consumer reporting agencies unless an account is in collections. In this report, we explore how these debts are reported.
Quarterly consumer credit trends: Public records
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 company.
CFPB data point: Becoming credit visible
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.
Supervisory Highlights Consumer Reporting Special Edition
In this issue of Supervisory Highlights, we share findings from recent supervisory examination observations in consumer reporting. These observations include findings from examinations at consumer reporting companies and at companies that furnish information to consumer reporting companies.
Monthly Complaint Report, Vol. 20
The CFPB’s Office of Consumer Response hears directly from consumers about the challenges they face in the marketplace, brings their concerns to the attention of companies, and assists in addressing their complaints. This Monthly Complaint Report provides a high-level snapshot of trends in consumer complaints.
Monthly Complaint Report, Vol. 11
The CFPB’s Office of Consumer Response hears directly from consumers about the challenges they face in the marketplace, brings their concerns to the attention of companies, and assists in addressing their complaints. This Monthly Complaint Report provides a high-level snapshot of trends in consumer complaints.
Supervisory Highlights: Winter 2016
In this tenth issue of Supervisory Highlights, we share findings from recent examinations in the areas of student loan servicing, remittances, mortgage origination, debt collection, and consumer reporting.
Data point: Credit invisibles
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.
Consumer voices on credit reports and scores
To better understand consumers’ perspectives on their credit reports and scores, we conducted focus groups with consumers from diverse backgrounds across the country.
Consumer credit reports: A study of medical and non-medical collections
Roughly half of all collections tradelines that appear on credit reports are reported by debt collectors seeking to collect on medical bills claimed to be owed to hospitals and other medical providers.
Consumer Response: A snapshot of complaints received
We began accepting consumers’ credit card complaints on July 21, 2011 and we now accept complaints about mortgages, bank accounts and services, private student loans, other consumer loans, credit reporting, money transfers, debt collection, and payday loans.
Report on the use of remittance histories in credit scoring
The Dodd-Frank Act directed us to study the potential for remittance information to enhance consumer credit scores.
Data point: Medical debt and credit scores
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.
Credit reporting complaint snapshot
Listening to consumers and reviewing and analyzing their complaints is an integral part of our work in understanding issues in the financial marketplace, and helping the market work better for consumers.