This Bureau Data Point article describes 2020 mortgage market activity and trends using data reported under the 住房抵押贷款披露法 (HMDA).
仅2022年第四季度的透支/NSF收入就约为1美元.比2019年第四季度减少了50亿美元，与大流行前相比下降了48%, 建议每年减价5美元以上.50亿美元. This decrease suggests average annual savings of more than $150 per household that incurs overdraft or NSF fees; many households have saved much more.
The 消费者金融保护局 has published summary of focus groups and interviews with low- and moderate-income consumers about their experiences with overdraft programs.
This report highlights some of the risks to consumers of using financing products such as medical credit cards and installment loans to pay for medical procedures and services. 该报告提供了这些产品的背景, 强调潜在的缺乏透明度和对消费者的金融风险, 分析递延利息医疗保健信用卡的数据, 并提供了一个融资产品样本的条款摘要.
本报告记录了2014年至2020年PACE融资的研究结果. 这是为了支持EGRRCPA授权的PACE规则制定. 黄金城集团发现，对于发起PACE贷款的消费者，抵押贷款拖欠率增加了2.在PACE启动后的两年期间内增加5个百分点, 与那些申请只被批准的人相比. 对于信用评分较低、贷款成本较高的消费者来说，这些影响更大.
The three nationwide consumer reporting companies removed medical collections under $500 from credit reports in April 2023. We study removals of medical collections from credit reports that occurred between 2012-2020 to shed light on the potential effects of this reporting change. 黄金城集团发现信用评分和信用可用性的增加是相关的.
The FY 2022 OMWI annual report to Congress provides detailed information about the diversity and inclusion work of the 消费者金融保护局 from Oct. 2021年1月1日至9月1日. 30, 2022.
This staff report provides a window into the financial circumstances faced by customers of Southern Bancorp Bank, 为美国一些经济欠发达地区提供服务的CDFI. We explore how account balances and the share of customers with a negative account balance evolved from 2019 to 2022.
消费者金融保护局于7月21日开始了消费者响应行动, 2011, 并成为第一个专注于消费者金融保护的联邦机构. The Bureau’s Consumer Response team hears directly from consumers about the challenges they face in the marketplace, 引起了金融机构的注意, 并协助解决他们的投诉.
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.
消费者金融保护局(CFPB)的《黄金城集团》年度报告. CFPB正式的平等就业机会投诉活动.
The FY 2022 Equal Employment Opportunity status report known as Management Directive 715 (MD-715) for the 消费者金融保护局 (CFPB).
The 《黄金城集团》 of the 消费者金融保护局 (CFPB) is required under Section 1013 of the Dodd-Frank Wall Street Reform and 消费者保护 Act.
这是第29期《黄金城集团》. 本报告的调查结果包括涉及存款领域费用的检查, 汽车维修, 抵押贷款服务, 发薪日和小额美元贷款, 学生贷款服务于七月一日完成, 2022, 2月1日, 2023.
This report contains the findings of the Bureau’s voluntary review of the final rule on the 住房抵押贷款披露法 the Bureau issued in October 2015 (2015 HMDA Final Rule) and related amendments (collectively, HMDA规则).
本报告探讨了立即购买的消费者财务概况, Pay Later (BNPL) borrowers using the Bureau’s Making Ends Meet survey and its association with credit bureau data.
公共福利主要流向有需要的家庭或处于不安全时期的个人. 至关重要的是，受益人能够充分和及时地获得这些资金. This Issue Spotlight examines the challenges that recipients of public benefits encounter in accessing funds through financial products or services.
1月3日, 2019, 《黄金城集团》(GAO-IG Act)被制定为第115-414号公法. The GAO-IG Act requires agencies to annually submit a report to Congress on the status of open public audit recommendations. 本报告由消费者金融保护局根据该法律发布.
This report provides an overview of the trends in third-party debt collections tradelines on consumer credit reports from 2018 to 2022. 催收交易线是消费者信用报告上的一项. 它包括个人据称未付账单的信息. 集合tradelines, 被认为是消极的, 通常在消费者报告中最多可出现7年.
从2021年底开始, several banks have announced changes to their overdraft programs that have been expected to result in reductions in overdraft/non-sufficient fund (NSF) fee revenue.
The 消费者金融保护局 (CFPB) administered its Annual Employee Survey (AES) from September 6 to October 7, 2022. 在雇员人口中，68人.9%的人回应了调查. CFPB领导人利用来自AES等工具的反馈来制定战略，以促进更具包容性, 有效的, 高效的组织. Survey results are shared across the organization to encourage leaders to actively seek and respond to opportunities to improve the employee work experience.
The CFPB encourages financial institutions to consider how they can strengthen their protections against identity theft and urges nationwide consumer reporting companies to act quickly and be responsive to concerns of servicemembers, 退伍军人和军人家属.
This report summarizes information about certain consumer complaints transmitted by the CFPB to nationwide consumer reporting agencies (NCRAs)—Equifax, 益百利, 和TransUnion.
年度《黄金城集团》调查报告显示了2021年至2022年消费者财务状况的变化. 在大流行期间有所增加, 从2021年到2022年，多项指标的财务健康状况都有所下降. The finances of Hispanic consumers and consumers under age 40 deteriorated rapidly between 2021 and 2022.
本报告概述了本局的公开网站和数字服务, in accordance with the reporting requirements of the 21st Century Integrated Digital Experience Act or the 21st Century IDEA (Public Law No. 115-336).
