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Quarterly, Seasonally Adjusted

LRIN64FEFRQ156S • Economic Data from Federal Reserve Economic Data (FRED)

Latest Value

28.04

Year-over-Year Change

-5.12%

Date Range

1/1/2003 - 1/1/2025

Summary

The Quarterly, Seasonally Adjusted series measures the net percentage of banks that have tightened their lending standards for commercial and industrial loans. This data provides insights into the credit environment and lending conditions for businesses.

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 Federal Reserve survey-based metric tracks changes in bank lending standards, which are an important indicator of credit availability and access to capital for firms. It offers economists and policymakers a timely snapshot of lending conditions in the U.S. business sector.

Methodology

The data is collected through the Federal Reserve's Senior Loan Officer Opinion Survey on Bank Lending Practices.

Historical Context

This series is closely monitored by the Federal Reserve and other economic analysts to assess the state of credit markets and the broader business environment.

Key Facts

  • The series reports a net percentage, not an absolute level.
  • Positive values indicate a net tightening of lending standards.
  • Negative values signal a net easing of lending standards.

FAQs

Q: What does this economic trend measure?

A: This series tracks the net percentage of banks that have tightened their lending standards for commercial and industrial loans on a quarterly basis.

Q: Why is this trend relevant for users or analysts?

A: The lending standards metric provides valuable insights into credit availability and financing conditions for businesses, which is an important indicator of the broader economic environment.

Q: How is this data collected or calculated?

A: The data is collected through the Federal Reserve's Senior Loan Officer Opinion Survey on Bank Lending Practices.

Q: How is this trend used in economic policy?

A: The Federal Reserve and other analysts closely monitor this series to assess the state of credit markets and the overall business environment, which informs economic policymaking.

Q: Are there update delays or limitations?

A: The data is released quarterly, with a lag of approximately 6-8 weeks after the end of the reference period.

Related Trends

Citation

U.S. Federal Reserve, Quarterly, Seasonally Adjusted (LRIN64FEFRQ156S), retrieved from FRED.