Reports

Some people become homeowners following divorce or the death of a spouse. CFPB rules and federal housing program guidelines require mortgage servicers to help these homeowners in a timely way. CFPB complaints suggest that some mortgage servicers are making it difficult for surviving spouses and other homeowners to get the help they need.

This report provides new insights about distressed borrowers’ experiences with mortgage servicing and loss mitigation processes using data from the 2020 wave of the American Survey of Mortgage Borrowers (ASMB).

This is the 33rd edition of Supervisory Highlights. The findings in this report cover select examinations regarding mortgage servicing, that were completed from April 1, 2023 through December 31, 2023.

This is the 29th edition of Supervisory Highlights. The findings in this report cover examinations involving fees in the areas of deposits, auto servicing, mortgage servicing, payday and small dollar lending, and student loan servicing completed between July 1, 2022, and February 1, 2023.

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.

This report presents the CFPB’s observations of data provided by sixteen mortgage servicers for the period May-December 2021 regarding key servicing metrics and COVID-19 pandemic response.

This COVID-19 Special Issue Brief follows up on a May 2021 report that discussed the characteristics of mortgage borrowers, including demographics, during the COVID-19 pandemic. A significant number of homeowners have transitioned out of those forbearances over the last year due, in part, to improving economic conditions and the expiration of protections under these programs for many loans beginning in the Fall of 2021. Given these changes, our goal in this report is to better understand the characteristics of borrowers who remain in forbearance, as reported through January 2022.

This is the 25th edition of Supervisory Highlights. The findings included in this report cover examinations completed between January 2021 and June 2021 in the areas of credit card account management, debt collection, deposits, fair lending, mortgage servicing, payday lending, prepaid accounts, and remittance transfers.

This report presents the CFPB’s observations of data provided by sixteen large mortgage servicers regarding COVID-19 pandemic response, including key metrics such as call center data; forbearance requests, denials, and exits; delinquency; and borrower profiles.

This is the 24th edition of Supervisory Highlights. The findings included in this report cover examinations in the areas of auto servicing, consumer reporting, debt collection, deposits, fair lending, mortgage origination, mortgage servicing, payday lending, private education loan origination and student loan servicing that were completed between January 1, 2020 to December 31, 2020.

This third COVID-19 Special Issue Brief describes the characteristics of mortgage borrowers, including demographics, during the COVID-19 pandemic. The report focuses on borrowers with loans that are in forbearance or delinquent as reported through March 2021.

This is a special edition of Supervisory Highlights that details the Bureau’s Prioritized Assessment (PA) work. PA observations are described in the areas of mortgage, auto and student loan servicing, credit card account management, consumer reporting-furnishing, debt collection, deposits, prepaid cards, and small business lending.

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.

In this issue of Supervisory Highlights, we report examination findings in the areas of debt collection, mortgage servicing, payday lending, and student loan servicing that were completed between April 2019 and August 2019.

This fourteenth data point compares borrower characteristics at mortgage servicers of different sizes and explores the role servicers of each size play in the mortgage market.

In this issue of Supervisory Highlights, we report examination findings in the areas of automobile loan servicing, deposits, mortgage servicing, and remittances that were generally completed between June 2018 and November 2018. 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. As in past editions, this report includes information about recent public enforcement actions that were a result, at least in part, of our supervisory work.

The Bureau of Consumer Financial Protection released the findings of its assessment of the 2013 RESPA Mortgage Servicing Rule. The report describes the Rule, the market, and the Bureau’s findings on the Rule’s effectiveness in meeting factors outlined in Dodd-Frank.

The Federal Housing Finance Agency and the CFPB are jointly releasing two technical reports about the development of the National Mortgage Database and the...

In this issue of Supervisory Highlights, we report examination findings in the areas of automobile loan servicing, credit cards, debt collection, mortgage servicing, payday lending, and small business lending that were generally completed between December 2017 and May 2018.

This report summarizes strategies for promoting diversity and inclusion used by mortgage industry participants as discussed at the Bureau's initial...

In this issue of Supervisory Highlights, we report examination findings in the areas of mortgage servicing, mortgage origination, student loan servicing...

In this eleventh issue of Supervisory Highlights, we share findings from recent supervisory examination observations in mortgage servicing.  The report also...

This report summarizes the findings related to the Bureau’s consumer testing of sample periodic statement forms for consumers in bankruptcy.

In this issue of Supervisory Highlights, we report examination findings in the areas of consumer reporting, debt collection, mortgage origination, mortgage...

In this issue of Supervisory Highlights, we report examination findings in the areas of mortgage origination, fair lending, mortgage servicing, deposits...