Buy Now, Pay Later: Market trends and consumer impacts
Report on the Buy Now, Pay Later (BNPL) industry in the United States, focusing on consumer and marketplace impacts.
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.
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).
Consumer use of payday, auto title, and pawn loans: Insights from the Making Ends Meet Survey
A new analysis in our Making Ends Meet survey series looks at how consumers use payday, auto title, and pawn loans.
Supervisory Highlights, Issue No. 18 (Winter 2019)
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.
Supervisory Highlights: Summer 2018
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.
Supervisory Highlights: Summer 2016
In this issue of Supervisory Highlights, we report examination findings in the areas of auto originations, debt collection, mortgage origination, small-dollar lending, and fair lending. 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 report also includes information on our coordination with state and federal regulators on supervisory matters, as well as information on recently released guidance.