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).

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Recent Changes in Medical Collections on Consumer Credit Records

Medical collections on consumer credit reports have been an area of focus for CFPB research in recent years. In addition to studying trends in medical debt as a whole, CFPB reports have documented the burden of medical debt on older Americans, and the incidence of medical collections in rural counties in Appalachia and the Deep South region.

By Zachary Blizard and Ryan Sandler

Data point

Published MAY 24, 2023

Trends in overdraft/non-sufficient fund (NSF) fee revenue and practices

Since late 2021, CFPB has been closely monitoring trends in overdraft/non-sufficient fund (NSF) fee revenue and practices. This page provides CFPB's latest data and analysis as well as a record of previous reports and data.

Overdraft

Data point Office of Research Publication

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.