Reports

Growing our Human Capital

With this document, we submit our second annual report as required by Section 1067 of the Dodd-Frank Act. In it we describe progress since July 21, 2011 and note the Bureau’s strategies and planned activities within each of the following: Recruitment and Retention Plan, Training and Workforce Development Plan, and Workforce Flexibilities Plan. Read the [...]

Read more

Key Dimensions and Processes in the U.S. Credit Reporting System: A review of how the nation’s largest credit bureaus manage consumer data

This paper describes the credit reporting infrastructure at the three largest nationwide consumer reporting agencies (NCRAs) – Equifax Information Services LLC (Equifax), TransUnion LLC (TransUnion), and Experian Information Solutions Inc. (Experian) – with a special focus on the infrastructure and processes currently used by the NCRAs to collect, compile, and report information about consumers in [...]

Read more

Fair Lending Report of the Consumer Financial Protection Bureau

View the full report. Endowed by Congress with a unique consumer financial protection mission, the Consumer Financial Protection Bureau brings a new focus to questions of fair lending and equal access to credit in the consumer finance marketplace. In this inaugural Report on Fair Lending, the CFPB provides a comprehensive overview of our fair lending [...]

Read more

Independent Performance Audit of CFPB Operations and Budget

Download the report. In order to meet the requirements of the Dodd-Frank Act, the CFPB must order an independent performance audit for FY 2012. This report presents the results of such an audit commissioned by the CFPB. This is a performance audit, so it does not overlap with a Government Accountability Office financial audit. Across [...]

Read more