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).

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The early effects of the COVID-19 pandemic on credit applications

This report uses the Bureau’s Consumer Credit Panel to study the early effects of the COVID-19 pandemic on credit applications overall, by credit score group, and across the states.

By Office of Research

To Congress

Published APR 30, 2020

Fair Lending Report 2019

Bureau releases its annual Fair Lending Report to Congress on its activities in innovation, outreach, prioritization, guidance and rulemaking, supervision, and enforcement for calendar year 2019.

Office of Research Publication

Published JAN 16, 2020

Data point: Small business lending and the Great Recession

This Data Point article tracks the evolution of small business lending before, during and following the Great Recession.

By Office of Research

Office of Research Publication

Published SEP 03, 2019

Planning for tax-time savings

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.

By Office of Research

Consumer education and empowerment

Published JUL 19, 2019

Building a bridge to credit visibility report

This report on the Bureau’s September 17th, 2018 Building a Bridge to Credit Visibility Symposium summarizes the panel discussions that took place during the event and highlights the key themes that stood out from those conversations.

To Congress

Published JUN 28, 2019

Fair Lending Report 2018

This report describes our fair lending activities in innovation, outreach, prioritization, guidance and rulemaking, supervision, and enforcement for calendar year 2018.

To Congress

Published DEC 04, 2018

Fair Lending Report 2017

This report describes our fair lending activities in prioritization, supervision, enforcement, guidance and rulemaking, interagency coordination, and outreach for calendar year 2017.

Office of Research Publication

Published SEP 17, 2018

Data point: The geography of credit invisibility

Our data point reports are prepared by our Office of Research to provide an evidence-based perspective on consumer financial markets, consumer behavior, and regulations to inform the public discourse.

By Office of Research

Published SEP 29, 2017

Who are the credit invisibles? How to help people with limited credit histories

A brief on credit invisibility, implications for consumers, and steps that communities can take to help consumers build or rebuild their credit.

Office of Research Publication

Published JUN 07, 2017

CFPB data point: Becoming credit visible

By Office of Research

Industry and markets

Published MAY 10, 2017

Key dimensions of the small business lending landscape

This paper reflects initial findings of the Bureau's research on the small business lending market. It provides a preliminary understanding of the small...

To Congress

Published APR 11, 2017

Fair Lending Report 2016

This report describes our fair lending activities in prioritization, supervision, enforcement, rulemaking, interagency coordination, and outreach for...

Consumer education and empowerment

Published NOV 04, 2015

Mobile financial services: A summary of comments from the public on opportunities, challenges, and risks for the underserved

The CFPB's Office of Financial Empowerment issued a Request for Information (RFI) to find out more about mobile financial services and how low-income and...

Office of Research Publication

Published MAY 05, 2015

Data point: Credit invisibles

Our data point reports are prepared by our Office of Research to provide an evidence-based perspective on consumer financial markets, consumer behavior, and...

By Office of Research

To Congress

Published APR 28, 2015

Fair Lending Report 2014

We've taken important strides over the last year in our efforts to protect consumers from credit discrimination and broaden access to credit, as we identify...

Industry and markets

Published SEP 17, 2014

Using publicly available information to proxy for unidentified race and ethnicity

We ensure that lenders are complying with fair lending laws and are addressing discrimination across the consumer credit industry.

Consumer education and empowerment

Published NOV 14, 2013

Empowering low income and economically vulnerable consumers

The low-income and economically vulnerable population includes as many as 100 million people.

Industry and markets

Published APR 24, 2013

White paper on payday loans and deposit advance products

During the past year, the Bureau has engaged in an indepth review of short-term small dollar loans, specifically payday loans extended by nondepository...

To Congress

Published DEC 06, 2012

Fair Lending Report of the Consumer Financial Protection Bureau

Endowed by Congress with a unique consumer financial protection mission, the Bureau brings a new focus to questions of fair lending and equal access to...