Delinquency Rate on Consumer Loans, All Commercial Banks
DRCLACBS • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
2.77
Year-over-Year Change
67.88%
Date Range
1/1/1987 - 1/1/2025
Summary
The Delinquency Rate on Consumer Loans tracks the percentage of consumer loans that are past due in the U.S. banking system. This metric is a critical indicator of consumer financial health and potential economic stress.
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 economic indicator measures the proportion of consumer loans that are 30 days or more past due across all commercial banks. Economists use this trend to assess consumer credit risk, financial institution stability, and broader economic conditions.
Methodology
Data is collected by the Federal Reserve through mandatory reporting from commercial banks, tracking the percentage of consumer loan balances that are delinquent.
Historical Context
Policymakers and financial analysts use this trend to evaluate consumer financial stress, potential credit market risks, and inform monetary policy decisions.
Key Facts
- Represents the percentage of consumer loans past due across U.S. commercial banks
- Provides insights into consumer financial stress and credit market conditions
- Tracked monthly as a key economic health indicator
FAQs
Q: What does a rising delinquency rate indicate?
A: A rising delinquency rate typically suggests increasing financial stress among consumers and potential economic challenges.
Q: How is a loan considered delinquent?
A: A loan is typically considered delinquent when it is 30 days or more past its scheduled payment date.
Q: How often is this data updated?
A: The delinquency rate is typically updated monthly by the Federal Reserve.
Q: Why do economists care about this metric?
A: It provides early warning signs of potential economic downturns and consumer financial health.
Q: What types of loans are included?
A: The metric includes various consumer loans such as credit cards, auto loans, and personal loans.
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Citation
U.S. Federal Reserve, Delinquency Rate on Consumer Loans, All Commercial Banks [DRCLACBS], retrieved from FRED.
Last Checked: 8/1/2025