Net Percentage of Domestic Banks Tightening Standards for Consumer Loans Excluding Credit Card and Auto Loans
STDSOTHCONS • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
3.80
Year-over-Year Change
123.53%
Date Range
4/1/2011 - 7/1/2025
Summary
Tracks changes in consumer loan standards across domestic banks. Provides critical insight into credit market conditions and lending environment.
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
Measures banks' willingness to extend consumer loans outside credit cards and auto financing. Indicates overall credit market health.
Methodology
Survey of bank lending officers tracking changes in loan standards.
Historical Context
Used by policymakers to assess credit market conditions and potential economic shifts.
Key Facts
- Quarterly measurement of lending standards
- Excludes credit cards and auto loans
- Indicates credit market accessibility
FAQs
Q: What consumer loans does this series cover?
A: Covers consumer loans excluding credit cards and auto financing.
Q: How frequently is this data updated?
A: Typically updated quarterly through bank lending surveys.
Q: Why do economists track this metric?
A: Provides early signals of potential economic contraction or expansion.
Q: What does tightening standards indicate?
A: Banks becoming more restrictive in lending, potentially signaling economic caution.
Q: Are there limitations to this data?
A: Represents surveyed perceptions, which may not capture entire market complexity.
Related Trends
Net Percentage of Domestic Banks Increasing Collateral Requirements for Large and Middle-Market Firms
SUBLPDCILTQNQ
Number of Foreign Banks That Tightened and Reported That Reduced Tolerance for Risk Was a Very Important Reason
SUBLPFCIRTRVNQ
Net Percentage of Domestic Banks Tightening Standards for Qualified Mortgage Non-Jumbo, Non-GSE-Eligible Mortgage Loans
SUBLPDHMSQNQ
Number of Domestic Banks That Reported Weaker Commercial and Industrial Loan Demand and Reported That Decreased Customers' Precautionary Demand for Cash and Liquidity Was a Somewhat Important Reason
SUBLPDCIRWPSNQ
Net Percentage of Other Domestic Banks Tightening Standards for Credit Card Loans
SUBLPDCLCSOTHNQ
Number of Domestic Banks That Reported Stronger Commercial and Industrial Loan Demand and Reported That Decreased Customer Internally Generated Funds Was a Somewhat Important Reason
SUBLPDCIRSGSNQ
Citation
U.S. Federal Reserve, Consumer Loan Standards (STDSOTHCONS), retrieved from FRED.