Reports

This third COVID-19 Special Issue Brief describes the characteristics of mortgage borrowers, including demographics, during the COVID-19 pandemic. The report focuses on borrowers with loans that are in forbearance or delinquent as reported through March 2021.

This report summarizes some of the relevant data and research on the impact of the pandemic on the rental and mortgage market, and particularly its impact on low income and minority households. 11 million renter and homeowner households were significantly overdue on their regular housing payments as of December 2020, placing them at heightened risk of losing their homes to foreclosure or eviction over the coming months. Black and Hispanic households were more than twice as likely to report being behind on their payments than white households.

This Data Point provides new information about the types of changes that occur during the mortgage origination process.

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.

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.

The goal of this article is to help the public become more familiar with the new and revised data points in the 2019 HMDA data and to provide some initial observations about the nation’s mortgage market in 2019 using those new and revised data points. The focus of this article is on cross-sectional analyses, i.e. using the data contained in one year’s loan application registrar (LAR) to explore various patterns and relationships between different data fields to provide some initial observations.

2019 HMDA Mortgage Market Activity and Trends summarizes the historical data points in the 2019 HMDA data, as well as recent trends in mortgage and housing markets.

This study examines whether people who retired between 1992 and 2014 were able to maintain the same spending level for five consecutive years after retiring.

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.

This report explores the prevalence and ease of first-time homeownership over time.

This fourteenth data point compares borrower characteristics at mortgage servicers of different sizes and explores the role servicers of each size play in the mortgage market.

In this issue of Supervisory Highlights, we report examination findings in the areas of automobile loan origination, credit card account management, debt collection, furnishing, and mortgage origination that were generally completed between December 2018 and March 2019 (unless otherwise stated). The report does not impose any new or different legal requirements, and all violations described in the report are based only on those specific facts and circumstances noted during those examinations.

This data point article summarizes the historical data points 2018 Home Mortgage Disclosure Act (HMDA) data, as well as recent trends in mortgage and housing markets..

This data point article introduces the new and revised data points in the 2018 Home Mortgage Disclosure Act (HMDA) data.

This Complaint Snapshot provides a high-level overview of trends in consumer complaints and supplements the Consumer Response Annual Report with more recent information about monthly changes in complaint volume and a spotlight on Servicemember complaints.

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 credit reporting company.

This Complaint Snapshot provides a high-level overview of trends in consumer complaints and supplements the Consumer Response Annual Report with more recent...

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.

The Bureau of Consumer Financial Protection released the findings of its assessment of the 2013 RESPA Mortgage Servicing 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.

The Federal Housing Finance Agency and the CFPB are jointly releasing two technical reports about the development of the National Mortgage Database and the...

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.

In this series of research briefs, the Bureau’s Office of Research and Division of Consumer Education and Engagement examine whether encouraging mortgage shopping benefits consumers.

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.

In this issue of Supervisory Highlights, we report examination findings in the areas of auto finance lending, credit card account management, debt collection, deposit, mortgage servicing, mortgage origination, service provider programs, short-term small-dollar lending, remittances, and fair lending.

This report summarizes strategies for promoting diversity and inclusion used by mortgage industry participants as discussed at the Bureau's initial...