Property Assessed Clean Energy (PACE) Financing and Consumer Financial Outcomes
This report documents research findings on the impact of PACE financing on consumer financial outcomes from 2014 through 2020.
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).
Data point: How mortgages change before origination
This Data Point provides new information about the types of changes that occur during the mortgage origination process.
Integrated Mortgage Disclosures Under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z) Rule Assessment
This report describes the TRID Rule, the market, and the Bureau’s findings on the Rule’s effectiveness in meeting factors outlined in Dodd-Frank.
Supervisory Highlights, Issue No. 21 (Winter 2020)
In this issue of Supervisory Highlights, we report examination findings in the areas of debt collection, mortgage servicing, payday lending, and student loan servicing that were completed between April 2019 and August 2019.
Annual Report on the TILA, EFTA, and CARD Act
This Report provides the information required to be reported by provisions of the Truth in Lending Act (TILA), the Electronic Fund Transfer Act (EFTA), and the Credit Card Accountability Responsibility and Disclosure Act (CARD Act) for the periods January 1, 2016–December 31, 2016, and January 1, 2017–December 31, 2017.
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.
Consumer Protection Principles: Consumer protection in new faster payment systems
Faster payment systems hold great promise for consumers. But to be safe, transparent, accessible, and efficient, faster payment systems must keep consumer protection concerns in mind.