Money · Phase 2

Household credit conditions

Are household borrowing cost, credit availability, and debt service improving or deteriorating?

Evidence as of 2026-09-16 · FRED (Federal Reserve / BIS)

Household credit archive

Stale — data unavailable

Latest data from the source is unavailable — showing the last archived observation. No values invented.

Debt-service burden

Household debt-service ratio (TDSP)

11.11 %

period 2026-04-01

FRED · official series

Consumer debt-service ratio (CDSP)

5.28 %

period 2026-04-01

FRED · official series

Household debt / GDP (BIS)

68.548 ratio

period 2025-04-01

FRED · official series

Credit capacity

Total consumer credit (G.19)

5,186,204 $M

period 2026-07-01

FRED · official series

Real estate loans (H.8)

5,827 $B

period 2026-08-01

FRED · official series

Credit-card revolving (H.8)

1,092 $B

period 2026-09-16

FRED · official series

Credit access

Net % tightening C&I standards (SLOOS)

0.0 net %

period 2026-07-01

FRED · official series

Net % tightening auto standards (SLOOS)

-4.5 net %

period 2026-07-01

FRED · official series

Credit-card rate, all accounts (G.19)

20.94 %

period 2026-05-01

FRED · official series

Distress

Mortgage delinquency (Call Report)

1.86 %

period 2026-04-01

FRED · official series

Credit-card delinquency (Call Report)

2.85 %

period 2026-04-01

FRED · official series

Credit-card charge-off rate (Call Report)

3.82 %

period 2026-04-01

FRED · official series

As of 2026-09-16 · FRED · fred.stlouisfed.org