Household credit conditions · DSR 11.11% · card delinquency 2.85% (2026-09-16)
consumer DSR 5.28% · debt/GDP 68.55 · card charge-off 3.82%
status live · FRED (Federal Reserve / BIS)
Evidence
Household debt-service payments as % of disposable income
11.11 %
period 2026-04-01
FRED (Federal Reserve / BIS)
Consumer debt-service payments as % of disposable income
5.28 %
period 2026-04-01
FRED (Federal Reserve / BIS)
Household debt to GDP (BIS)
68.55 ratio
period 2025-04-01
FRED (Federal Reserve / BIS)
Total consumer credit owned + securitized (G.19)
5,186,204.07 $M
period 2026-07-01
FRED (Federal Reserve / BIS)
Real estate loans, all commercial banks (H.8)
5,826.90 $B
period 2026-08-01
FRED (Federal Reserve / BIS)
Credit cards + other revolving, all banks (H.8)
1,091.83 $B
period 2026-09-16
FRED (Federal Reserve / BIS)
Net % tightening C&I loan standards (SLOOS)
0.00 net %
period 2026-07-01
FRED (Federal Reserve / BIS)
Net % tightening auto loan standards (SLOOS)
-4.50 net %
period 2026-07-01
FRED (Federal Reserve / BIS)
Commercial bank credit-card rate, all accounts (G.19)
20.94 %
period 2026-05-01
FRED (Federal Reserve / BIS)
Delinquency rate, single-family mortgages (Call Report)
1.86 %
period 2026-04-01
FRED (Federal Reserve / BIS)
Delinquency rate, credit-card loans (Call Report)
2.85 %
period 2026-04-01
FRED (Federal Reserve / BIS)
Charge-off rate, credit-card loans (Call Report)
3.82 %
period 2026-04-01
FRED (Federal Reserve / BIS)