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).
Supervisory Highlights, Issue No. 22 (Summer 2020)
In this edition of Supervisory Highlights, we report examination findings in the areas of consumer reporting, debt collection, deposits, fair lending, mortgage servicing and payday lending. 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 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.
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.
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.