Number of Domestic Banks That Tightened and Reported That Less Favorable Economic Outlook Was a Somewhat Important Reason
SUBLPDCIRTOSNQ • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
9.00
Year-over-Year Change
-25.00%
Date Range
7/1/1990 - 7/1/2025
Summary
Tracks domestic bank lending conditions based on economic outlook perceptions. Provides critical insight into banking sector risk assessment and credit market dynamics.
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 how many domestic banks are tightening lending standards due to economic uncertainty. It reflects bank sentiment and potential credit market constraints.
Methodology
Survey-based data collected from bank lending officers reporting their credit standards.
Historical Context
Used by Federal Reserve to monitor banking sector risk and potential economic contraction.
Key Facts
- Indicates potential credit market tightening
- Reflects bank risk perception
- Leading indicator of economic conditions
FAQs
Q: What does this metric indicate about bank lending?
A: It shows how many banks are restricting credit due to economic concerns. Higher numbers suggest increased caution in lending.
Q: How often is this data updated?
A: Typically updated quarterly as part of the Federal Reserve's bank lending survey.
Q: Why do banks tighten lending standards?
A: Banks restrict lending when they perceive increased economic risks or potential market instability.
Q: How does this impact businesses and consumers?
A: Tighter lending standards can make it harder to obtain loans, potentially slowing economic growth.
Q: What are the limitations of this metric?
A: It represents a snapshot of bank sentiment and may not predict exact future lending behavior.
Related Trends
Number of Other Domestic Banks That Tightened and Reported That Less Aggressive Competition From Other Banks or Nonbank Lenders Was a Somewhat Important Reason
SUBLPDCIRTASOTHNQ
Number of Large Domestic Banks That Tightened and Reported That Increased Concerns About the Effects of Legislative Changes, Supervisory Actions, or Changes in Accounting Standards Was a Somewhat Important Reason
SUBLPDCIRTESLGNQ
Net Percentage of Other Domestic Banks Increasing Premiums Charged on Riskier Loans for Large and Middle-Market Firms
SUBLPDCILTROTHNQ
Net Percentage of Large Domestic Banks Reducing the Maximum Size of Consumer Loans Excluding Credit Card and Auto Loans
SUBLPDCLXTMLGNQ
Net Percentage of Large Domestic Banks Tightening Standards for Qualified Mortgage Non-Jumbo, Non-GSE-Eligible Mortgage Loans
SUBLPDHMSQLGNQ
Net Percentage of Other Domestic Banks Reducing Credit Limits on Credit Card Loans
SUBLPDCLCTCOTHNQ
Citation
U.S. Federal Reserve, Number of Domestic Banks That Tightened and Reported That Less Favorable Economic Outlook Was a Somewhat Important Reason (SUBLPDCIRTOSNQ), retrieved from FRED.