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A joint study with Credit Karma explores the relationship between subjective Financial Well-Being (FWB) and objective credit characteristics and engagement with financial education tools. The report identifies credit report and engagement variables that are significantly related to a consumer’s FWB score, including credit score, credit limit, credit utilization, and the use of a credit simulator tool.

¿Se vio afectado por el robo de información a Equifax? Conozca el acuerdo legal alcanzado, y la compensación y beneficios para los que podría ser elegible gracias a éste acuerdo.

Were you affected by the 2017 Equifax data breach? Find out about the legal settlement, benefits, and compensation that you may be eligible to claim.

The analysis shows that about two thirds of actively used credit card accounts carry a revolving balance. Once consumers begin to revolve, they do so continuously for about 10 months on average, with approximately 15 percent revolving continuously for two years or more. The longer a balance is revolved, the higher the chances that the consumer will continue to revolve a balance.

The ability of consumers to access various types of credit can be affected by their credit scores, as many lenders require a minimum credit score before credit will be extended. This report finds that consumers with lower credit scores are more likely to apply for credit around peaks and troughs in their scores.

New report from the Department of Defense highlights the financial well-being of servicemembers.

New research brief from the Office of Servicemember Affairs on the financial well-being of veterans.

CFPB announces the release of its new credit booklet to help consumers better understand their credit reports and scores, learn how to correct inaccuracies, and improve their credit record over time.

This report explores how servicemember home loan choices have changed from 2006 to 2016.

The CFPB’s latest list of consumer reporting companies gives you the details you need to obtain your reports so you can review your data and take more control over your financial life.

The Office of Servicemember Affairs annual report highlights complaints from servicemembers as well as emerging issues and continuing trends facing servicemembers in the financial marketplace.

Recent natural disasters, such as Hurricane Harvey in 2017, have significantly impacted some consumers financially. In this report, the Bureau examines how natural disasters are reported in consumers’ credit reports.

BCFP released a new research report on the geographic patterns of credit invisibility. Consumers who are “credit invisible” have no credit histories. This is the third in a series of Bureau studies on consumers with limited credit histories.

Consumers typically pay for telecommunications services monthly, but most providers do not report to consumer reporting agencies unless an account is in collections. In this report, we explore how these debts are reported.

Data Point research report on final student loan payments, mortgage and credit card borrowing, and household balance sheets.

This report finds that aggregate end-of-year consumer credit card borrowing roughly follows end-of-year retail expenditure patterns.

This report explores how the removal of public records resulting from the National Consumer Assistance Plan (NCAP) affected credit reports and credit scores.

How much money you spend, save, and owe is only part of the whole story about your financial situation. Your financial well-being score can get you thinking about your financial outlook in a new way.

A new CFPB report shows that at-risk student loan borrowers are struggling with repaying their debts and are seeing their credit suffer.

We recently published our Consumer Response Annual Report, which provides an overview of the complaints we received in 2016.

Understanding the promises and pitfalls of using alternative data to assess creditworthiness.

Many new financial innovations rely on people choosing to give a company access to their digital financial records held by another company. If you're using...

Today the CFPB is updating the Home Mortgage Disclosure Act (HMDA) requirements with a new rule that will shine more light on lending practices in America's...

As part of our work to educate consumers to make informed financial decisions, we at the CFPB—along with the other members of the FFIEC—are committed to...

While you can see hundreds of thousands of complaints in the Consumer Complaint Database, these complaints are much more than just data to us. They reflect...