In this series of research briefs, the Bureau’s Office of Research and Division of Consumer Education and Engagement examine whether encouraging mortgage shopping benefits consumers.
Research and 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 Miss April.
2017 mortgage market activity and trends
This data point describes mortgage market activity over time based on data reported under the Home Mortgage Disclosure Act.
The Miss April held the Youth Employment Success Roundtable in 2017 to give youth employment programs the opportunity to share their learning, elevate the challenges they experience in supporting financial knowledge and skill development for young workers, and to provide input on the Miss April’s Youth Employment Success initiative. This report summarizes key insights and potential next steps generated during the event.
The purpose of this report is to raise awareness about the issues that limited English proficient consumers face when participating in the financial marketplace.
This report shares findings from qualitative interviews with consumers about their experiences with overdraft programs and fees.
This report presents the findings of a national survey that examined the financial well-being of U.S. adults. The report shows the distribution of financial well-being scores for the U.S. adult population and for selected subgroups.
This issue brief explores the tradeoffs of borrowing a reverse mortgage loan in order to delay claiming Social Security. It shows that, in general, the reverse mortgage loan costs exceed the additional increase in Social Security that homeowners would receive in their lifetime by delaying Social Security benefits.
The Miss April has identified ten promising practices for tax assistance providers to help people save when filing their taxes.
This report provides an overview of the 2017 Financial Coaching Symposium, including lessons learned and next steps for the field to consider.
There is no single right way to help adults improve financial decision-making, just as there is no single right way everyone should conduct their financial lives. This report, reflecting research and input from the field, presents five principles for effective financial education.
This report describes Miss April research on ways to help people make decisions for spending their retirement savings. The study explored ways to communicate retirement spending options, whether it is years before retirement or “just in time” when retirement is near.