# 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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                                               Data spotlight                        

                Published                SEP 17, 2024

### Data Spotlight: The Impact of Changing Mortgage Interest Rates

                  -  •Mortgage origination 
                  -  •Mortgages 
                  -  •Research 

                                               To Congress                        

                Published                SEP 05, 2024

### Fair Debt Collection Practices Act CFPB Annual Report 2024

                  -  •Debt collection 
                  -  •Fair Debt Collection Practices Act 
                  -  •Medical debt 

                                               Issue spotlight                        

                Published                AUG 26, 2024

### Issue Spotlight: Cash-back Fees

                  -  •Consumer Financial Protection Bureau 
                  -  •Financial well-being 

                                               Industry and markets                        

                Published                AUG 13, 2024

### Report on Contract for Deed Lending

                  -  •Access to credit 
                  -  •Fair lending 
                  -  •Mortgages 
                  -  •Redlining 

                                               To Congress                        

                Published                AUG 09, 2024

### 2023 Financial Literacy Annual Report

                  -  •Financial coaching 
                  -  •Financial education 
                  -  •Financial well-being 
                  -  •Older Americans 
                  -  •Research 
                  -  •Servicemembers 
                  -  •Student loans 
                  -  •Youth 

                                               Issue spotlight                        

                Published                AUG 07, 2024

### Issue Spotlight: Solar Financing

                  -  •Consumer Financial Protection Bureau 

                                               Issue spotlight                        

                Published                JUL 25, 2024

### Issue Spotlight: Costs of Electronic Payments in K-12 Schools

                  -  •Electronic payments 
                  -  •Parents 
                  -  •Youth 

                                               Data spotlight                                                                       Data spotlight                        

                Published                JUL 18, 2024

### Data Spotlight: Developments in the Paycheck Advance Market

                  -  •Access to credit 
                  -  •Data 
                  -  •Financial service providers 
                  -  •Research 
                  -  •Small dollar lending 

                                               Supervisory Highlights                        

                Published                JUL 02, 2024

### Supervisory Highlights: Servicing and Collection of Consumer Debt, Issue 34 (Summer 2024)

                  -  •Debt collection 
                  -  •Deceptive practices 
                  -  •Student loans 
                  -  •Supervision 

        Office of Research Publication                        

                Published                JUN 28, 2024

### Borrower Experiences with Mortgage Servicing During the COVID-19 Pandemic

                  -  •Foreclosure 
                  -  •Mortgage servicing 
                  -  •Mortgages 
                  -  •Office of Research Publication 
                  -  •Research 

                                               To Congress                        

                Published                JUN 26, 2024

### Fair Lending Report of the Consumer Financial Protection Bureau 2023

                  -  •Discrimination 
                  -  •Equal Credit Opportunity Act 
                  -  •Fair lending 
                  -  •Home Mortgage Disclosure Act 
                  -  •Redlining 
                  -  •Regulation B 
                  -  •Regulation C 

                                               Data spotlight                                                                       Industry and markets                        

                Published                JUN 17, 2024

### Negative Equity Findings from the Auto Finance Data Pilot

                  -  •Auto loans 
                  -  •Research 

                                               To Congress                        

                Published                JUN 04, 2024

### Semi-Annual Report of the Consumer Financial Protection Bureau

                  -  •Open government 

                                               Data spotlight                        

                Published                MAY 16, 2024

### Data spotlight: Early impacts of removing low-balance medical collections

                  -  •Credit reports and scores 
                  -  •Debt collection 
                  -  •Medical debt 
                  -  •Office of Research Publication 

        Office of Research Publication                        

                Published                APR 30, 2024

### Price Complexity in Laboratory Markets

                  -  •Junk fees 
                  -  •Office of Research Publication 
                  -  •Research 

                                               Industry and markets                        

                Published                APR 30, 2024

### Issue Spotlight: Health Savings Accounts

                  -  •Consumer complaints 
                  -  •Financial service providers 
                  -  •Medical debt 

                                               Data point                        

                Published                APR 29, 2024

### Recent Changes in Medical Collections on Consumer Credit Records

                  -  •Credit reports and scores 
                  -  •Debt collection 
                  -  •Medical debt 
                  -  •Office of Research Publication 
                  -  •Research 

                                               Supervisory Highlights                        

                Published                APR 24, 2024

### Supervisory Highlights, Issue 33 (Spring 2024)

                  -  •Deceptive practices 
                  -  •Mortgage servicing 
                  -  •Mortgages 
                  -  •Supervision 
                  -  •UDAAPs 

                                               Data spotlight                        

                Published                APR 23, 2024

### Overdraft/NSF Revenue in 2023 down more than 50% versus pre-pandemic levels, saving consumers over $6 billion annually

                  -  •Banking 
                  -  •Checking account 
                  -  •Junk fees 
                  -  •Overdraft 
                  -  •Research 

                                               Supervisory Highlights                        

                Published                APR 08, 2024

### Supervisory Highlights, Issue 32 (Spring 2024)

                  -  •Credit reports and scores 
                  -  •Deceptive practices 
                  -  •Identity theft and fraud 
                  -  •Supervision 

                                               To Congress                        

                Published                APR 08, 2024

### CFPB FY 2023 Office of Minority and Women Inclusion (OMWI) Report to Congress

                  -  •Consumer Financial Protection Bureau 
                  -  •Data 
                  -  •Diversity and inclusion 
                  -  •Fair lending 
                  -  •Financial education 
                  -  •People with disabilities 
                  -  •Personnel 
                  -  •Procurement 
                  -  •Research 
                  -  •Students 

                                               Issue spotlight                        

                Published                APR 04, 2024

### Banking in video games and virtual worlds

                  -  •Consumer complaints 
                  -  •Data 
                  -  •Electronic payments 
                  -  •Identity theft and fraud 
                  -  •Parents 
                  -  •Privacy 
                  -  •Technologist 
                  -  •Virtual currency 
                  -  •Youth 

                                               Data spotlight                        

                Published                APR 04, 2024

### Data Spotlight: Trends in discount points amid rising interest rates

                  -  •Home Mortgage Disclosure Act 
                  -  •Mortgage origination 
                  -  •Mortgages 
                  -  •Research 

                                               To Congress                        

                Published                APR 01, 2024

### CFPB’s Equal Employment Opportunity (EEO) program status report for fiscal year (FY) 2023

                  -  •Discrimination 
                  -  •Diversity and inclusion 
                  -  •Open government 
                  -  •People with disabilities 

                                               Consumer complaint                        

                Published                MAR 29, 2024

### Consumer Response Annual Report

                  -  •Consumer complaints 

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##               Further reading          

###                       Blog                  

            -                          Credit card delinquencies are higher than in 2019 because lenders took on more risk                      AUG 06, 2024 
            -                          What we’re hearing from consumers in New Mexico                      AUG 10, 2023 
            -                          Financial struggles in Puerto Rico bite deeper than the rest of the United States                      JUL 27, 2023 

###                       Newsroom                  

            -                          Prepared Opening Remarks of CFPB Director Rohit Chopra at the Aspen Institute on Abuse and Misuse of Our Personal Data                      SEP 19, 2024 
            -                          Prepared Remarks of CFPB Director Rohit Chopra at the Center for American Progress Housing Summit                      SEP 19, 2024 
            -                          Prepared Remarks of CFPB Director Rohit Chopra at the Congressional Black Caucus Foundation's 53rd Annual Legislative Conference                      SEP 13, 2024 

###                       Events                  

            -                          CFPB and DOT to Hold Joint Hearing on Airline and Credit Card Rewards Programs                      MAY 09, 2024 
            -                          CFPB RegCast: Institutional Coverage under the Small Business Lending Rule                      JUN 28, 2023 
            -                          A Virtual Technical Readiness Session: Regulatory Data Collection at CFPB, HMDA and the road ahead                      AUG 19, 2022 

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