Money · Phase 2

Household credit conditions

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

Evidence as of 2026-08-05 · FRED (Federal Reserve / BIS)

Household credit archive

Debt-service burden

Household debt-service ratio (TDSP)

11.16 %

period 2026-01-01

FRED · official series

Consumer debt-service ratio (CDSP)

5.29 %

period 2026-01-01

FRED · official series

Household debt / GDP (BIS)

68.548 ratio

period 2025-04-01

FRED · official series

Credit capacity

Total consumer credit (G.19)

5,166,908 $M

period 2026-06-01

FRED · official series

Real estate loans (H.8)

5,811 $B

period 2026-07-01

FRED · official series

Credit-card revolving (H.8)

1,089 $B

period 2026-08-05

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)

1.89 %

period 2026-01-01

FRED · official series

Credit-card delinquency (Call Report)

2.92 %

period 2026-01-01

FRED · official series

Credit-card charge-off rate (Call Report)

3.84 %

period 2026-01-01

FRED · official series

As of 2026-08-05 · FRED · fred.stlouisfed.org