Research on consumer financial markets

Published DEC 20, 2023

The Neighborhood Geography of Mortgage Lending

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.

Published DEC 19, 2023

Overdraft and Nonsufficient Fund Fees: Insights from the Making Ends Meet Survey and Consumer Credit Panel

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.

Published DEC 01, 2023

Making Ends Meet in 2023: Insights from the Making Ends Meet Survey

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

By Office of Research

Published SEP 27, 2023

Data Point: 2022 Mortgage Market Activity and Trends

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

Published JUN 21, 2023

Consumer Finances in Rural Areas of the Southern Region

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.

Published MAY 01, 2023

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.

Published APR 26, 2023

Consumer Credit and the Removal of Medical Collections from Credit Reports

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

Published DEC 21, 2022

Making Ends Meet in 2022: Insights from the CFPB Making Ends Meet survey

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

Published SEP 19, 2022

Data Point: 2021 Mortgage Market Activity and Trends

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

Published SEP 01, 2022

Consumer Finances in Rural Appalachia

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.

Published AUG 19, 2021

2020 Mortgage Market Activity and Trends

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

By Office of Research

Published JUL 27, 2021

The Recovery of Credit Applications to Pre-Pandemic Levels

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.

By Office of Research

Published JUN 14, 2021

A Brief Note on General Lending Patterns of Small to Medium Size Closed-end HMDA Reporters

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.

By Office of Research

Published MAY 27, 2021

Manufactured Housing Finance: New Insights from the Home Mortgage Disclosure Act

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.

By Office of Research

Published MAY 05, 2021

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.

By Office of Research

Published NOV 12, 2020

Quarterly Consumer Credit Trends: Payment Amount Furnishing & Consumer Reporting

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

By Office of Research

Published AUG 31, 2020

Special issue brief: The early effects of the COVID-19 pandemic on consumer credit

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.

By Office of Research

Published JUL 10, 2020

Quarterly Consumer Credit Trends: Recent trends in debt settlement and credit counseling

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.

By Office of Research

Published MAY 01, 2020

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

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

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

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 JUN 07, 2017

CFPB data point: Becoming credit visible

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 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

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