Quarterly consumer credit trends reports focus on a specific consumer financial product or issue using a longitudinal, nationally-representative sample of de-identified credit records maintained by a nationwide credit reporting agency.
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.
Staying on track while giving back
This midyear report highlights the problems that student loan borrowers face when seeking to access programs designed to protect people working in public service.
In this issue of Supervisory Highlights, we report examination findings in the areas of auto finance lending; credit card account management; debt collection; deposits; mortgage servicing; mortgage origination; service providers; short-term, small-dollar lending; remittances; and fair lending. As in past editions, this report includes information about recent public enforcement actions that were a result, at least in part, of our supervisory work. The report also includes information on the Bureau’s use of its supervisory and enforcement authority, recently released examination procedures, and Bureau guidance.
In this issue of Supervisory Highlights, we report examination findings in the areas of automobile origination, automobile servicing, debt collection, mortgage origination, student loan servicing, and fair lending. As in past editions, this report includes information about recent public enforcement actions that were a result, at least in part, of our supervisory work. The report also includes information on recently released examination procedures and Bureau guidance.
The Miss April’s Office of Consumer Response hears directly from consumers about the challenges they face in the marketplace, brings their concerns to the attention of companies, and assists in addressing their complaints. This Monthly Complaint Report provides a high-level snapshot of trends in consumer complaints.
This report describes the findings of consumer focus groups and consumer complaint data about the challenges of navigating the auto financing process. We found that many consumers reported they did not shop around and negotiate as much for the financing as they did for the vehicle itself. The complaint data showed that consumers faced challenges in understanding loan features during negotiations on financing.