Reports

This report explores the differences across neighborhoods in the number of mortgage lenders originating loans, investigates the neighborhood-level correlates of this measure, and explores its associations with consumer-level outcomes.

This report provides new insights about consumers’ experiences with overdraft and NSF fees, and paints a broad picture of the financial circumstances of these consumers.

The annual Making Ends Meet survey report highlights new trends in household financial stability.

Many states have adopted Community Reinvestment Acts similar in purpose and structure as to federal Community Reinvestment Act of 1977. These state laws were developed following the passage of the federal Community Reinvestment Act but contain differences that reflect the unique reinvestment priorities of individual states.

This Bureau Data Point article describes 2022 mortgage market activity and trends using data reported under the Home Mortgage Disclosure Act (HMDA).

This report provides a broad look at consumer financial profiles in eight states in the southern region of the U.S., including credit scores, financial distress, medical collections, and other debt categories.

This report analyzes banking and credit access across eight states in the southern region of the U.S, particularly branch presence and bank account access, and capital access such as mortgage lending.

This report documents research findings on the impact of PACE financing on consumer financial outcomes from 2014 through 2020.

We study removals of medical collections from credit reports that occurred between 2012-2020 and find associated increases in credit score and credit availability.

The annual Making Ends Meet survey report shows how consumers’ finances changed from 2021 to 2022.

This Bureau Data Point article describes 2021 mortgage market activity and trends using data reported under the Home Mortgage Disclosure Act (HMDA).

This report focuses on the consumer finances of rural Appalachians, and is the first in a series of reports focusing on the finances of rural consumers.

This consumer credit trends report explores credit card line decreases and changes in consumer credit characteristics.

This report highlights the CFPB’s research on rural consumers as well as contextual information from other agencies on the consumer finance challenges faced by rural communities.

This report outlines challenges faced by justice-involved people and their families in navigating their finances at each stage of the criminal justice system.

This Bureau Data Point article describes 2020 mortgage market activity and trends using data reported under the Home Mortgage Disclosure Act (HMDA).

This report is an update to CFPB’s May 2020 report and December 2020 blog regarding the effects of COVID-19 on credit applications (or credit inquiries). It examines the different paths of recovery for types of credit applications.

A brief overview of the general lending patterns of HMDA reporters with the closed-end origination volumes around the new HMDA reporting threshold set by the 2020 HMDA Rule.

This report analyzes manufactured home loans, using two new fields in the Home Mortgage Disclosure Act (HMDA) data to understand the manufactured housing finance market and compare chattel loans and mortgages.

A new analysis in our Making Ends Meet survey series looks at how consumers use payday, auto title, and pawn loans.

This report describes our fair lending activities in prioritization, supervision, enforcement, guidance and rulemaking, interagency coordination, and outreach for calendar year 2020.

This report explores the prevalence of actual payment information in consumer credit reporting.

This second COVID-19 Special Issue Brief describes trends in delinquency rates, payment assistance, credit access, and account balance measures with a focus on the period since the start of the COVID-19 pandemic.

Credit Builder Loans are designed for consumers looking to establish a credit score or improve an existing one, while at the same time giving them a chance to build their savings.

Quarterly consumer credit trends reports focus on a specific consumer financial product or issue using a longitudinal, nationally representative sample of de-identified credit records maintained by a nationwide consumer reporting agency.