Auto Lending to Servicemembers
In this report, the CFPB analyzed loan-level information from six lenders and found that servicemembers experience increased financial risks at many points in auto lending compared to non-servicemembers.
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).
Read the reportFilter reports
2025 Consumer Reporting Company List
This list includes the three nationwide credit reporting companies as well as other consumer reporting companies that focus on certain market areas and consumer segments.
An Introduction to the CFPB’s Rental Payment Data and Analysis
Report provides detailed information on new rental housing payment data with comparisons to external sources.
Behind on Rent? Examining Rental Housing Delinquencies in New Payment Data
Report provides insights on rental housing payment delinquencies using new payment data.
Cash-Out Refinances and Paydown Behavior of Non-mortgage Debt Balances
In this report, we investigate the extent to which borrowers of cash-out refinance mortgages pay down non-mortgage debts with extracted equity using an event study around the refinance event.
Repossession in Auto Finance
Report on trends in repossessions in the auto finance industry using data from the auto finance data pilot.
Supervisory Highlights: Advanced Technologies Special Edition, Issue 38 (Winter 2025)
This edition of Supervisory Highlights concerns select examinations of institutions that use credit scoring models, including models built with advanced technology commonly marketed as AI/ML technology, when making credit decisions.
2024 CFPB Annual Employee Survey Results
The Consumer Financial Protection Bureau administered its 2024 Annual Employee Survey and is posting the survey results as instructed.
Issue Spotlight: Home Equity Contracts: Market Overview
With home equity investment contracts, homeowners get cash up front in exchange for a repayment later. But HEIs can be risky.
Strengthening State-Level Consumer Protections
Enforcing consumer protection law has long been a state-federal partnership in which the states have often taken the lead.
Consumer Use of Buy Now, Pay Later and Other Unsecured Debt
Buy Now, Pay Later loans have grown rapidly since 2019. This study uses a matched sample of BNPL applications and originations with de-identified credit records.
Issue Spotlight: The High Cost of Retail Credit Cards
Retail credit cards, which tend to be more accessible to consumers with lower credit scores, can pose heightened risk for consumer harm.