Skip to main content

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.

Category
Date range
Archived items
74 filtered results
Category: Data point |
Published

An updated review of the new and revised data points in HMDA: Further observations using the 2019 HMDA data

The goal of this article is to help the public become more familiar with the new and revised data points in the 2019 HMDA data and to provide some initial observations about the nation’s mortgage market in 2019 using those new and revised data points. As in last year’s article, the focus of this article is on cross-sectional analyses, i.e. using the data contained in one year’s loan application registrar (LAR) to explore various patterns and relationships between different data fields to provide some initial observations.

Category: Consumer education and empowerment |
Published

Market Snapshot: Background Screening Reports

This report describes the background screening industry and developments in the market. While background screening reports can include various types of information and be used for several purposes, this paper focuses on reports used for employment purposes that include criminal history information.

Category: Industry and markets |
Published

Credit Characteristics, Credit Engagement Tools, and Financial Well-Being

This report presents results from a joint research study between the Consumer Financial Protection Bureau (CFPB) and Credit Karma. The purpose of the study is to examine how consumers’ subjective financial well-being relates to objective measures of consumers’ financial health, specifically, consumers’ credit report characteristics. The study also seeks to relate consumers’ subjective financial well-being to consumers’ engagement with financial information through educational tools.