Net Percentage of Large Domestic Banks Tightening Standards for Credit Card Loans
SUBLPDCLCSLGNQ • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
10.00
Year-over-Year Change
163.16%
Date Range
1/1/1996 - 7/1/2025
Summary
Tracks changes in credit card lending standards among large domestic banks. Indicates banks' risk perception and potential credit market tightening.
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 the net percentage of banks making credit card lending standards more restrictive. Provides insight into banking sector credit conditions.
Methodology
Surveys report banks' lending standard changes relative to previous quarter.
Historical Context
Federal Reserve uses this indicator to assess credit market health and potential economic constraints.
Key Facts
- Negative values indicate credit market loosening
- Quarterly survey of major domestic banks
- Critical indicator of lending environment
FAQs
Q: What does a positive percentage mean in this series?
A: A positive percentage indicates banks are tightening credit card lending standards more than loosening them.
Q: How often is this data updated?
A: The series is typically updated quarterly as part of the Federal Reserve's bank lending survey.
Q: Why do banks tighten credit standards?
A: Banks tighten standards during economic uncertainty or increased perceived credit risk.
Q: How does this impact consumers?
A: Tighter standards can make credit card loans harder to obtain and potentially increase borrowing costs.
Q: What economic signals does this trend reveal?
A: Indicates banks' risk perception and potential constraints in consumer credit markets.
Related Trends
Net Percentage of Foreign Banks Increasing the Use of Interest Rate Floors
SUBLPFCITFNQ
Number of Other Domestic Banks That Reported Stronger Commercial and Industrial Loan Demand and Reported That Increased Customer Inventory Financing Needs Was Not an Important Reason
SUBLPDCIRSINOTHNQ
Number of Foreign Banks That Reported Stronger Commercial and Industrial Loan Demand and Reported That Increased Customer Inventory Financing Needs Was Not an Important Reason
SUBLPFCIRSINNQ
Number of Foreign Banks That Reported Stronger Commercial and Industrial Loan Demand and Reported That Increased Customer Investment in Plant or Equipment Was Not an Important Reason
SUBLPFCIRSENNQ
Net Percentage of Domestic Banks Increasing the Minimum Percentage of Outstanding Balances Required to Be Repaid on Credit Card Loans
SUBLPDCLCTMNQ
Number of Foreign Banks That Tightened and Reported That Reduced Tolerance for Risk Was a Somewhat Important Reason
SUBLPFCIRTRSNQ
Citation
U.S. Federal Reserve, Net Percentage of Large Domestic Banks Tightening Standards for Credit Card Loans (SUBLPDCLCSLGNQ), retrieved from FRED.