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 2020 mortgage market activity and trends using data reported under the Home Mortgage Disclosure Act (HMDA).

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Supplemental estimation methodology for institutional coverage and market-level cost estimates in the small business lending rulemaking

This report describes the CFPB’s methodology for estimating how many banks will be required to report under the small business lending rule and for producing market-level estimates of associated costs.

Industry and markets

Published MAR 30, 2023

User testing for sample data collection form for the small business lending final rule

This report summarizes the results of several rounds of qualitative message and user testing research related to the small business lending rule’s sample data collection form.

Industry and markets

Published SEP 01, 2021

Supplemental estimation methodology for institutional coverage and market-level cost estimates in the small business lending data collection notice of proposed rulemaking

This report describes the Bureau’s methodology for estimating how many banks would be required to report under the proposed rule implementing section 1071 of the Dodd-Frank Act and for producing market-level estimates of associated costs.

To Congress

Published APR 14, 2021

Fair Lending Report 2020

This report describes our fair lending activities in prioritization, supervision, enforcement, guidance and rulemaking, interagency coordination, and outreach for calendar year 2020.

To Congress

Published APR 30, 2020

Fair Lending Report 2019

Bureau releases its annual Fair Lending Report to Congress on its activities in innovation, outreach, prioritization, guidance and rulemaking, supervision, and enforcement for calendar year 2019.

To Congress

Published JUN 28, 2019

Fair Lending Report 2018

This report describes our fair lending activities in innovation, outreach, prioritization, guidance and rulemaking, supervision, and enforcement for calendar year 2018.

To Congress

Published APR 24, 2019

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.

To Congress

Published JAN 10, 2019

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.

To Congress

Published JAN 10, 2019

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.

To Congress

Published DEC 04, 2018

Fair Lending Report 2017

This report describes our fair lending activities in prioritization, supervision, enforcement, guidance and rulemaking, interagency coordination, and outreach for calendar year 2017.

To Congress

Published APR 11, 2017

Fair Lending Report 2016

This report describes our fair lending activities in prioritization, supervision, enforcement, rulemaking, interagency coordination, and outreach for...

To Congress

Published APR 28, 2016

Fair Lending Report 2015

We are committed to ensuring fair access to credit and eliminating discriminatory lending practices. This report describes our fair lending activities in...

To Congress

Published APR 28, 2015

Fair Lending Report 2014

We've taken important strides over the last year in our efforts to protect consumers from credit discrimination and broaden access to credit, as we identify...