Reports

Our reports focus on a wide range of topics including how consumers interact with financial products and services, trends in specific markets such as debt collection and credit cards, and the experiences of selected populations such as servicemembers, older Americans, and traditionally underserved consumers. Review our reports and analyses to help inform your decisions, policies, and practices.

Debt Burdens Among Credit-Linked Consumers in the United States

Using consumer credit record data, CFPB researchers document how often consumers share credit with likely-household members, what types of credit they share, and what we might miss by focusing solely on individuals.

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Matched-Pair Testing in Small Business Lending Markets

The Consumer Financial Protection Bureau (“CFPB”) and the U.S. Department of Justice (“DOJ”) conducted matched-pair testing to test for and detect differential treatment of fictitious well-qualified Black and white small business owners seeking credit at large bank lenders in two counties.

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