Data & Research | Consumer Financial Protection Bureau

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Use these resources to improve your understanding of the marketplace.</p> </div> </div> <div class="m-hero__image-wrapper"> <div class="m-hero__image"></div> </div> </div> <style> .m-hero { --m-hero-background-color: #B2D1D0; background-color: #B2D1D0; } .m-hero__image { background-image: url('https://files.consumerfinance.gov/f/images/Data_and_Research_HERO_BG_B2D1D0.original.png'); filter: progid:DXImageTransform.Microsoft.AlphaImageLoader( src='https://files.consumerfinance.gov/f/images/Data_and_Research_HERO_BG_B2D1D0.original.png', sizingMethod='scale'); padding-bottom: 42.669584245076585%; } @media screen and (min-width: 37.5625em) { .m-hero__image { background-image: url('https://files.consumerfinance.gov/f/images/Data_and_Research_HERO_BG_B2D1D0.original.png'); filter: progid:DXImageTransform.Microsoft.AlphaImageLoader( src='https://files.consumerfinance.gov/f/images/Data_and_Research_HERO_BG_B2D1D0.original.png', sizingMethod='scale'); padding-bottom: 42.669584245076585%; } .m-hero--jumbo .m-hero__wrapper, .m-hero--50-50 .m-hero__wrapper, .m-hero--overlay .m-hero__wrapper { background-image: url('https://files.consumerfinance.gov/f/images/Data_and_Research_HERO_BG_B2D1D0.original.png'); filter: progid:DXImageTransform.Microsoft.AlphaImageLoader( src='https://files.consumerfinance.gov/f/images/Data_and_Research_HERO_BG_B2D1D0.original.png', sizingMethod='scale'); } } </style> </section> </div> <div class="u-layout-grid__wrapper"> <div class="u-layout-grid__main"> <div class="block block--flush-top"> <div class="o-info-unit-group" > <div class="content-l"> <div class="content-l__col content-l__col-1"> <div class="m-info-unit m-info-unit--inline"> <img class="m-info-unit__image m-info-unit__image--square" src="https://files.consumerfinance.gov/f/images/Reports_2575.original.png" alt="reports"> <div class="m-info-unit__heading-text"> <h3 id="our-research-and-reports">Our research and reports</h3> </div><div class="m-info-unit__content"> <p data-block-key="cu13r"></p><p data-block-key="k5326">Explore our reports on a variety of subjects including financial well-being, consumer complaints, debt collection and lending practices, mortgage origination and servicing, payday lending, consumer experiences and financial education, and more.</p> <ul class="m-list m-list--links u-mt15"> <li class="m-list__item"><a class="a-link a-link--jump" href="/data-research/research-reports"> <span class="a-link__text">Browse reports</span> </a> </li> <li class="m-list__item"><a class="a-link a-link--jump" href="/data-research/research-hub/"> <span class="a-link__text">Explore the consumer finance research hub</span> </a> </li> <li class="m-list__item"><a class="a-link a-link--jump" href="/data-research/research-reports/peer-reviewed-reports/"> <span class="a-link__text">See all peer-reviewed reports</span> </a> </li> </ul> </div> </div> </div> <div class="content-l__col content-l__col-1"> <div class="m-info-unit m-info-unit--inline"> <img class="m-info-unit__image m-info-unit__image--square" src="https://files.consumerfinance.gov/f/images/ConsumerMarket-2575.original.png" alt="Consumer market trends"> <div class="m-info-unit__heading-text"> <h3 id="consumer-credit-trends">Consumer credit trends</h3> </div><div class="m-info-unit__content"> <p data-block-key="g1wal">We present data collected as part of our efforts to monitor consumer credit market conditions. These dashboards are updated monthly to reflect the latest market developments.</p> <ul class="m-list m-list--links u-mt15"> <li class="m-list__item"><a class="a-link a-link--jump" href="/data-research/consumer-credit-trends/"> <span class="a-link__text">Explore consumer credit trends</span> </a> </li> </ul> </div> </div> </div> <div class="content-l__col content-l__col-1"> <div class="m-info-unit m-info-unit--inline"> <img class="m-info-unit__image m-info-unit__image--square" src="https://files.consumerfinance.gov/f/images/mortgage_performace_2575.original.png" alt=""> <div class="m-info-unit__heading-text"> <h3 id="mortgage-performance-trends">Mortgage performance trends</h3> </div><div class="m-info-unit__content"> <p data-block-key="w14zc">We publish data on mortgage delinquency rates. See how trends change over time and across geographies.</p> <ul class="m-list m-list--links u-mt15"> <li class="m-list__item"><a class="a-link a-link--jump" href="/data-research/mortgage-performance-trends/"> <span class="a-link__text">Explore mortgage performance trends</span> </a> </li> </ul> </div> </div> </div> </div> </div> </div> <div class="block"> <div class="o-info-unit-group" > <div class="content-l"> <div class="content-l__col content-l__col-1-2"> <div class="m-info-unit"> <div class="m-info-unit__heading-text"> <h3 id="consumer-finance-research-hub">Consumer finance research hub</h3> </div><div class="m-info-unit__content"> <p data-block-key="4c9o3">Our PhD social scientists design and conduct foundational, policy-relevant research on consumer finance and household behavior.</p> <ul class="m-list m-list--links u-mt15"> <li class="m-list__item"><a class="a-link a-link--jump" href="/data-research/research-hub/"> <span class="a-link__text">Explore the research hub</span> </a> </li> </ul> </div> </div> </div> <div class="content-l__col content-l__col-1-2"> <div class="m-info-unit"> <div class="m-info-unit__heading-text"> <h3 id="consumer-complaint-database">Consumer Complaint Database</h3> </div><div class="m-info-unit__content"> <p data-block-key="xtuzx"></p><p data-block-key="r5lo8">We send thousands of consumers’ complaints about financial products and services to companies for response. Data from those complaints help us understand the financial marketplace and protect consumers. </p> <ul class="m-list m-list--links u-mt15"> <li class="m-list__item"><a class="a-link a-link--jump" href="https://www.consumerfinance.gov/complaintdatabase/"> <span class="a-link__text">Use the Consumer Complaint Database</span> </a> </li> </ul> </div> </div> </div> </div> <div class="content-l"> <div class="content-l__col content-l__col-1-2"> <div class="m-info-unit"> <div class="m-info-unit__heading-text"> <h3 id="hmda-data">HMDA data</h3> </div><div class="m-info-unit__content"> <p data-block-key="realv"></p><p data-block-key="utii8">The Home Mortgage Disclosure Act (HMDA) requires many financial institutions to maintain, report, and publicly disclose information about mortgages. We’ve made data available in an interactive tool and a public API. </p> <ul class="m-list m-list--links u-mt15"> <li class="m-list__item"><a class="a-link a-link--jump" href="https://www.consumerfinance.gov/hmda/"> <span class="a-link__text">Access HMDA data</span> </a> </li> </ul> </div> </div> </div> <div class="content-l__col content-l__col-1-2"> <div class="m-info-unit"> <div class="m-info-unit__heading-text"> <h3 id="small-business-lending-database">Small business lending database</h3> </div><div class="m-info-unit__content"> <p data-block-key="heqk7">The CFPB’s small business lending database will be the most comprehensive source of publicly available information on U.S. small business lending.</p> <ul class="m-list m-list--links u-mt15"> <li class="m-list__item"><a class="a-link a-link--jump" href="/data-research/small-business-lending/"> <span class="a-link__text">Learn about data submission and publication</span> </a> </li> </ul> </div> </div> </div> </div> <div class="content-l"> <div class="content-l__col content-l__col-1-2"> <div class="m-info-unit"> <div class="m-info-unit__heading-text"> <h3 id="credit-card-agreements-and-surveys">Credit card agreements and surveys</h3> </div><div class="m-info-unit__content"> <p data-block-key="b4cc7">We maintain and provide access to resources where you can learn more about credit cards, including general credit card agreement terms and conditions and survey data about pricing and fees.</p> <ul class="m-list m-list--links u-mt15"> <li class="m-list__item"><a class="a-link a-link--jump" href="/data-research/credit-card-data/"> <span class="a-link__text">See credit card agreements and surveys</span> </a> </li> </ul> </div> </div> </div> <div class="content-l__col content-l__col-1-2"> <div class="m-info-unit"> <div class="m-info-unit__heading-text"> <h3 id="prepaid-account-agreements">Prepaid account agreements</h3> </div><div class="m-info-unit__content"> <p data-block-key="efv24">We provide a searchable database of prepaid account agreements, along with resources to help prepaid account issuers submit agreements in compliance with the Prepaid Rule.</p> <ul class="m-list m-list--links u-mt15"> <li class="m-list__item"><a class="a-link a-link--jump" href="/data-research/prepaid-accounts/"> <span class="a-link__text">See prepaid account agreements and submission resources</span> </a> </li> </ul> </div> </div> </div> </div> <div class="content-l"> <div class="content-l__col content-l__col-1-2"> <div class="m-info-unit"> <div class="m-info-unit__heading-text"> <h3 id="student-banking-and-college-credit-card-marketing-agreements">Student banking and college credit card marketing agreements</h3> </div><div class="m-info-unit__content"> <p data-block-key="zlsj4"></p><p data-block-key="jinxf">We publish annual reports to Congress. We collect information annually from credit card issuers who have marketing agreements with universities, colleges, or affiliated organizations such as alumni associations, sororities, fraternities, and foundations; we maintain publicly accessible files of the agreements.</p> <ul class="m-list m-list--links u-mt15"> <li class="m-list__item"><a class="a-link a-link--jump" href="/data-research/student-banking/"> <span class="a-link__text">Access annual reports and college credit card marketing agreements</span> </a> </li> </ul> </div> </div> </div> <div class="content-l__col content-l__col-1-2"> <div class="m-info-unit"> <div class="m-info-unit__heading-text"> <h3 id="survey-of-mortgage-originations">Survey of mortgage originations</h3> </div><div class="m-info-unit__content"> <p data-block-key="99sqw"></p><p data-block-key="i33md">We survey consumers who took out a mortgage in the past 18 months or so — including refinancing a mortgage — in order to know about your experience.</p> <ul class="m-list m-list--links u-mt15"> <li class="m-list__item"><a class="a-link a-link--jump" href="/data-research/american-survey-mortgage-borrowers/"> <span class="a-link__text">Respond to a mortgage borrowers survey invitation</span> </a> </li> <li class="m-list__item"><a class="a-link a-link--jump" href="/data-research/national-survey-mortgage-originations"> <span class="a-link__text">Respond to a mortgage originations survey invitation</span> </a> </li> <li class="m-list__item"><a class="a-link a-link--jump" href="/data-research/research-reports/technical-reports-national-survey-of-mortgage-borrowers-and-national-mortgage-database/"> <span class="a-link__text">Read about mortgage originations survey and results</span> </a> </li> </ul> </div> </div> </div> </div> <div class="content-l"> <div class="content-l__col content-l__col-1-2"> <div class="m-info-unit"> <div class="m-info-unit__heading-text"> <h3 id="financial-well-being-survey-data">Financial well-being survey data</h3> </div><div class="m-info-unit__content"> <p data-block-key="mkspl">We measured the financial well-being of adults in America: their sense of financial security and freedom of choice—both in the present and when considering the future—and other factors that may support financial well-being.</p> <ul class="m-list m-list--links u-mt15"> <li class="m-list__item"><a class="a-link a-link--jump" href="/data-research/financial-well-being-survey-data/"> <span class="a-link__text">Explore the survey data</span> </a> </li> </ul> </div> </div> </div> <div class="content-l__col content-l__col-1-2"> <div class="m-info-unit"> <div class="m-info-unit__heading-text"> <h3 id="nonbank-registry">Nonbank registry</h3> </div><div class="m-info-unit__content"> <p data-block-key="725k7">The CFPB’s nonbank registry will provide a list of nonbanks that have registered certain information with the CFPB and is designed to detect and deter corporate offenders that have broken consumer laws and are subject to federal, state, or local government or court orders.</p> <ul class="m-list m-list--links u-mt15"> <li class="m-list__item"><a class="a-link a-link--jump" href="/data-research/nbr-submission/"> <span class="a-link__text">Learn more about the nonbank registry</span> </a> </li> </ul> </div> </div> </div> </div> <div class="content-l"> <div class="content-l__col content-l__col-1-2"> <div class="m-info-unit"> <div class="m-info-unit__heading-text"> <h3 id="cfpb-researchers">CFPB Researchers</h3> </div><div class="m-info-unit__content"> <p data-block-key="dzxlw">The CFPB's Office of Research undertakes rigorous and innovative research to improve our understanding of consumer behavior, financial service providers, markets and effects of regulation and other public policies in consumer finance.<br/></p> <ul class="m-list m-list--links u-mt15"> <li class="m-list__item"><a class="a-link a-link--jump" href="/data-research/cfpb-researchers/"> <span class="a-link__text">View CFPB Researchers</span> </a> </li> </ul> </div> </div> </div> <div class="content-l__col content-l__col-1-2"> <div class="m-info-unit"> <div class="m-info-unit__heading-text"> <h3 id="cfpb-research-conference">CFPB Research Conference</h3> </div><div class="m-info-unit__content"> <p data-block-key="w0qsi">Our seventh conference held on May 2–3, 2024, featured research from a range of disciplines and approaches that inform the topic of consumer finance.</p> <ul class="m-list m-list--links u-mt15"> <li class="m-list__item"><a class="a-link a-link--jump" href="/data-research/cfpb-research-conference"> <span class="a-link__text">Learn about the conference</span> </a> </li> </ul> </div> </div> </div> </div> <div class="content-l"> <div class="content-l__col content-l__col-1-2"> <div class="m-info-unit"> <div class="m-info-unit__heading-text"> <h3 id="how-we-handle-personally-identifiable-information">How we handle personally identifiable information</h3> </div><div class="m-info-unit__content"> <p data-block-key="1jzza">At the CFPB, we have nine privacy principles that guide when and how we collect, use, share, and protect personally identifiable information (PII).</p> <ul class="m-list m-list--links u-mt15"> <li class="m-list__item"><a class="a-link a-link--jump" href="/privacy/privacy-policy/"> <span class="a-link__text">Privacy policy</span> </a> </li> </ul> </div> </div> </div> </div> </div> </div> </div> <aside class="u-layout-grid__sidebar"> <div class="block block--flush-top"> <div class="m-related-links"> <header class="m-slug-header"> <h2 class="m-slug-header__heading" id="recent-reports"> Recent reports </h2> </header> <p data-block-key="v1ufi">View our recently published reports</p> <ul class="m-list m-list--links"> <li class="m-list__item"> <a href="/data-research/research-reports/insights-making-ends-meet-survey/" class="a-link a-link--jump"> <span class="a-link__text">Insights from the Making Ends Meet Survey</span> </a> </li> <li class="m-list__item"> <a href="/data-research/research-reports/data-point-2019-mortgage-market-activity-and-trends/" class="a-link a-link--jump"> <span class="a-link__text">Data point: 2019 mortgage market activity and trends</span> </a> </li> </ul> </div> </div> <div class="block"> <div class="m-related-links"> <header class="m-slug-header"> <h2 class="m-slug-header__heading" id="for-financial-educators"> For financial educators </h2> </header> <p data-block-key="jmnlo">See our reports on consumer experiences and effective practices to support financial well-being</p> <ul class="m-list m-list--links"> <li class="m-list__item"> <a class="a-link a-link--jump" href="https://files.consumerfinance.gov/f/201603_cfpb_finex-resource-inventory.pdf"> <span class="a-link__text">Resource inventory</span> <svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--download" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.476.476 0 0 1-.475-.475V3.046a.476.476 0 0 1 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