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.
This Bureau Data Point article describes 2020 mortgage market activity and trends using data reported under the Home Mortgage Disclosure Act (HMDA).
The annual Making Ends Meet survey report shows how consumers’ finances changed from 2021 to 2022. After increasing during the pandemic, financial health declined from 2021 to 2022 across several measures. The finances of Hispanic consumers and consumers under age 40 deteriorated rapidly between 2021 and 2022.
This report provides new insights into the automated saving rules consumers use (e.g., save on payday or with each purchase) and how these rules relate to the amount saved.
New analysis in our Making Ends Meet series looks at financial security by examining how much consumers have in emergency savings and their financial profiles.
The Office of Research released a research brief summarizing the results of an online experiment exploring how the amount of available savings may influence decisions about using savings to pay down credit card debt.
Children’s Savings Account (CSA) programs provide children and families with long-term savings or investment accounts and incentives to save for postsecondary education.
The Office of Research released a research brief that explores consumers’ perceived financial preparedness, saving habits, and financial security.
The Office of Research released a report that synthesizes the rigorous research of programs and strategies aiming to help consumers achieve greater liquid savings.
This report provides results from the CFPB 2019 Tax Time Saving Cohort and information on how the receipt of a tax refund is a unique opportunity for many taxpayers to Start Small and Save Up.
A large study exploring tax-time saving found that early messaging and small incentives were effective at encouraging some customers to save using a savings feature on their prepaid card.
Building and retaining savings is important because it provides a financial foundation on which to plan for the future.
Improving financial literacy requires more than simply providing consumers with more information.
