Delinquencies on credit accounts continue to be low despite the pandemic

New Bureau research examines consumer credit trends through April 2021, finding little increase in delinquencies on credit cards, auto loans, mortgages, and student loans during COVID-19. Delinquency rates also remain lower than pre-pandemic levels, likely as a result of public and private interventions.

Delinquencies on credit accounts continue to be low despite the pandemic
Delinquencies on credit accounts continue to be low despite the pandemic

HMDA Threshold Report Blog

In this blog, we explain the data source and analytical approach, as well as key findings from the report ‘A Brief Note on General Lending Patterns of Small to Medium Size Closed-end HMDA Reporters’

HMDA Threshold Report Blog
HMDA Threshold Report Blog

Facing eviction? What to do before the CDC eviction moratorium expires

We have information to help if you are concerned about eviction and the upcoming expiration of the CDC eviction moratorium. Stay informed about possible steps you need to take, available assistance, and questions you should ask.

Facing eviction? What to do before the CDC eviction moratorium expires
Facing eviction? What to do before the CDC eviction moratorium expires

¿Enfrenta un desalojo? Sepa qué hacer antes de que la moratoria del CDC termine

Si le preocupa enfrentar un desalojo y que la moratoria del CDC termine, nosotros contamos con información para ayudarle. Esté informado acerca de cuáles pasos debe tomar, cuál asistencia hay disponible, y qué preguntas debería hacer.

¿Enfrenta un desalojo? Sepa qué hacer antes de que la moratoria del CDC termine
¿Enfrenta un desalojo? Sepa qué hacer antes de que la moratoria del CDC termine

Spring 2021 Rulemaking Agenda

Under the Regulatory Flexibility Act, Federal agencies must publish regulatory agendas twice a year. CFPB participates in the Unified Agenda process, which is led by the Office of Management and Budget (OMB).

Spring 2021 Rulemaking Agenda
Spring 2021 Rulemaking Agenda

Practitioner tools for navigating financial exchanges with family and friends

Borrowing and lending money to family and friends is increasingly common during the pandemic. The Friends and Family Exchanges Toolkit is a resource for financial educators to support clients borrowing or lending money because of a financial emergency.

Practitioner tools for navigating financial exchanges with family and friends
Practitioner tools for navigating financial exchanges with family and friends

Addressing racial inequities in consumer finance markets

As Acting Director, my top priorities are to take bold and swift action to address issues of pervasive racial injustice and the long-term economic impacts of the COVID-19 pandemic on consumers.

Addressing racial inequities in consumer finance markets
Addressing racial inequities in consumer finance markets

Summary of the 2021 CFPB Research Conference

The Bureau hosted its 5th Research Conference that highlighted recent research in consumer and household finance. The conference brought together members of the academic and policy research communities, including a keynote address by Raphael Bostic, President of the Federal Reserve Bank of Atlanta.

Summary of the 2021 CFPB Research Conference
Summary of the 2021 CFPB Research Conference

What Are Rates and Housing Worried About?

In the past 2 weeks, there’s been big news about inflation and seemingly big news about Fed policy. Both are threats to low interest rates, but not just yet, apparently. After taking last week’s huge inflation numbers in stride the bond market moved on to focus on Fed policy this week. The Federal Reserve (aka, the Fed) is often a source of confusion for consumers when it comes to mortgage rates. The evening news says things like “the Fed kept rates unchanged,” and people assume it has something to do with mortgage rates. The Fed Funds Rate (the thing the Fed actually decides to hike, cut, or hold steady) has almost nothing to do with the mortgage market. Mortgage rates are infinitely more concerned with the Fed’s bond buying policies. Movement in the bond market is the foundation of day-to
What Are Rates and Housing Worried About?
What Are Rates and Housing Worried About?

The Office of Servicemember Affairs year in review: Working together to protect servicemembers, veterans, and military families

Today, we’re releasing our eighth annual report highlighting the activities of the Office of Servicemember Affairs as well as complaints and emerging issues facing the military community in the financial marketplace.

The Office of Servicemember Affairs year in review: Working together to protect servicemembers, veterans, and military families
The Office of Servicemember Affairs year in review: Working together to protect servicemembers, veterans, and military families