Data point: Credit card revolvers
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.
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.
Suspicious Activity Reports on Elder Financial Exploitation
This study analyzes a rich, non-public data set to shed light on the volume and characteristics of elder financial abuse.
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.
Remittance rule assessment report
The Bureau of Consumer Financial Protection released the findings of its assessment of the Remittance Rule. The report describes the Rule, the market, and the Bureau’s findings on the Rule’s effectiveness in meeting factors outlined in the Dodd-Frank Act.
Review of youth financial education: Effects and evidence
This report is designed to help education policymakers, program leaders, financial educators, and academic researchers make evidence-informed policy, programming and resourcing decisions in school-based financial education.
Youth Financial Education Research Priorities
This report lays out key unanswered research questions in youth financial education identified by a range of stakeholders.
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.
Office of Servicemember Affairs – Annual Report
This report provides data and analysis around the most common complaints submitted by servicemembers to the Bureau. This report also highlights emerging issues and continuing trends facing servicemembers in the financial marketplace.
2013 Ability-to-Repay and Qualified Mortgage Assessment Report
The Bureau of Consumer Financial Protection released the findings of its assessment of the 2013 Ability-to-Repay and Qualified Mortgage 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.
2013 RESPA Servicing Rule Assessment Report
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.
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.