Net Percentage of Domestic Banks Reporting Stronger Demand for Credit Card Loans
DEMCC • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
-12.50
Year-over-Year Change
-168.68%
Date Range
4/1/2011 - 7/1/2025
Summary
Tracks banks' perception of credit card loan demand across the domestic banking sector. Provides critical insight into consumer credit appetite and lending market conditions.
Analysis & Context
This economic indicator provides valuable insights into current market conditions and economic trends. The data is updated regularly by the Federal Reserve and represents one of the most reliable sources for economic analysis.
Understanding this metric helps economists, policymakers, and investors make informed decisions about economic conditions and future trends. The interactive chart above allows you to explore historical patterns and identify key trends over time.
About This Dataset
This metric measures the net percentage of banks experiencing increased demand for credit card loans. It serves as a leading indicator of consumer financial behavior and credit market trends.
Methodology
Surveyed banks report changes in credit card loan demand relative to previous periods.
Historical Context
Federal Reserve uses this data to assess consumer credit market health and potential economic shifts.
Key Facts
- Indicates consumer borrowing trends
- Reflects bank lending sentiment
- Helps predict economic consumption patterns
FAQs
Q: What does the DEMCC metric indicate?
A: It shows banks' perception of credit card loan demand. Higher percentages suggest increased consumer borrowing interest.
Q: How often is this data updated?
A: Typically reported quarterly as part of bank lending surveys.
Q: Why do economists track credit card loan demand?
A: It provides insights into consumer confidence and potential economic spending patterns.
Q: Can this metric predict economic trends?
A: It can be an early indicator of consumer financial behavior and potential economic shifts.
Q: What limitations exist in this data?
A: Represents bank perceptions and may not capture entire consumer credit market precisely.
Related Trends
Number of Domestic Banks That Eased and Reported That Increased Liquidity in the Secondary Market for These (Commercial and Industrial) Loans Was a Somewhat Important Reason
SUBLPDCIRESSNQ
Net Percentage of Domestic Banks Reporting Stronger Demand for Qualified Mortgage Jumbo Mortgage Loans
SUBLPDHMDJNQ
Number of Other Domestic Banks That Eased and Reported That Improvement in Current or Expected Liquidity Position Was Not an Important Reason
SUBLPDCIRELNOTHNQ
Number of Domestic Banks That Eased and Reported That More Favorable Economic Outlook Was a Very Important Reason
SUBLPDCIREOVNQ
Number of Other Domestic Banks That Eased and Reported That Increased Liquidity in the Secondary Market for These (Commercial and Industrial) Loans Was a Somewhat Important Reason
SUBLPDCIRESSOTHNQ
Net Percentage of Domestic Banks Increasing Spreads of Loan Rates Over Banks' Cost of Funds on Auto Loans
SUBLPDCLATSNQ
Citation
U.S. Federal Reserve, Net Percentage of Domestic Banks Reporting Stronger Demand for Credit Card Loans (DEMCC), retrieved from FRED.