Reports

This issue spotlight describes the health savings account (HSA) market, including the complex costs and fees that many consumers with HSAs are forced to pay.

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.

Many financial institutions are using advanced technologies to deploy customer service chatbots. Poorly designed chatbots can lead to customer frustration, reduced trust, and even violations under the law.

College tuition payment plans are widely used loans that can be a good option for students, yet present significant risks for consumers, and regulators may want to consider paying more attention to them.

This report highlights some of the risks to consumers of using financing products such as medical credit cards and installment loans (including deferred interest healthcare credit cards) to pay for medical procedures and services.

This report describes the CFPB’s methodology for estimating how many banks will be required to report under the small business lending rule and for producing market-level estimates of associated costs.

This report summarizes the results of several rounds of qualitative message and user testing research related to the small business lending rule’s sample data collection form.

This report provides an overview of the trends in third-party debt collections tradelines on consumer credit reports from 2018 to 2022.

Each year, millions of consumers encounter tenant screening as a gateway in their path to rental housing.

Report on the Buy Now, Pay Later (BNPL) industry in the United States, focusing on consumer and marketplace impacts.

In recent years, the payment space has moved from an ecosystem with clear constraints and established players to a rapidly evolving environment.

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

This report presents the CFPB’s observations of data provided by sixteen mortgage servicers for the period May-December 2021 regarding key servicing metrics and COVID-19 pandemic response.

This report examines state payday loan extended payment plans, an intervention allowing consumers to repay their payday loans in no-cost installments. It finds that despite the prevalence of state laws providing for these plans, rollover and default rates consistently exceed extended payment plan usage rates.

This report summarizes key areas of concern in medical debt collections and reporting. The report begins with a section describing the medical debt landscape. It then discusses the negative consequences of medical debt for consumers. Next, it outlines the impact of the COVID-19 pandemic on medical debt. The report concludes with a brief discussion of federal and state regulatory developments.

This report summarizes public facing information from financial institutions regarding their internal diversity, equity, and inclusion programming. Based on its findings, the report also includes recommendations and best practices for institutions based on the size of their organizations.

In 2020, financial institutions filed over 62,000 Suspicious Activity Reports (SARs) to report suspected elder financial exploitation (EFE) involving over $3.4 billion.

This report describes the Bureau’s methodology for estimating how many banks would be required to report under the proposed rule implementing section 1071 of the Dodd-Frank Act and for producing market-level estimates of associated costs.

This report presents the CFPB’s observations of data provided by sixteen large mortgage servicers regarding COVID-19 pandemic response, including key metrics such as call center data; forbearance requests, denials, and exits; delinquency; and borrower profiles.

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 report summarizes the Bureau’s February 26, 2020, symposium on Consumer Access to Financial Records and Section 1033 of the Dodd-Frank Act.

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

This report provides a brief overview of third-party debt collections tradelines. It compares tradelines from debt buyers to those from other debt collectors.

This Advisory Update focuses on financial institution reporting of elder financial exploitation to federal, state and local first responders.

This report describes the Bureau’s data governance program. In addition, it describes what data the Bureau collects, where the data come from, how data are used, and how data are reused within the Bureau.