Net Percentage of Other Domestic Banks Increasing the Minimum Required Down Payment on Consumer Loans Excluding Credit Card and Auto Loans
SUBLPDCLXTDOTHNQ • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
2.60
Year-over-Year Change
-72.34%
Date Range
4/1/2011 - 7/1/2025
Summary
Tracks changes in minimum down payment requirements for consumer loans across domestic banks. Provides insight into lending standards and credit market conditions.
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 indicator measures the net percentage of banks increasing down payment requirements for consumer loans. Reflects lending institution risk assessment strategies.
Methodology
Surveys other domestic banks about changes in minimum down payment requirements.
Historical Context
Used to understand credit market tightening and consumer lending trends.
Key Facts
- Excludes credit card and auto loans
- Indicates changing bank lending strategies
- Reflects economic risk perception
FAQs
Q: What loans are included in this indicator?
A: Covers consumer loans, excluding credit cards and auto loans. Focuses on other consumer lending categories.
Q: Why do banks increase down payment requirements?
A: To manage risk during economic uncertainty. Reflects banks' assessment of potential default risks.
Q: How frequently is this data updated?
A: Typically collected quarterly by the Federal Reserve. Provides regular insights into lending trends.
Q: What does this indicate about the economy?
A: Reflects banks' confidence and risk assessment in the current economic environment.
Q: Are there limitations to this data?
A: Represents a sample of domestic banks, may not capture entire lending market comprehensively.
Related Trends
Number of Domestic Banks That Reported Stronger Commercial and Industrial Loan Demand and Reported That Increased Customers' Precautionary Demand for Cash and Liquidity Was a Very Important Reason
SUBLPDCIRSPVNQ
Net Percentage of Domestic Banks Tightening Standards for Non-Qualified Mortgage Jumbo Mortgage Loans
SUBLPDHMSKNQ
Number of Other Domestic Banks That Reported Weaker Commercial and Industrial Loan Demand and Reported That Decreased Customer Accounts Receivable Financing Needs Was Not an Important Reason
SUBLPDCIRWANOTHNQ
Number of Other Domestic Banks That Reported Weaker Commercial and Industrial Loan Demand and Reported That Shifts in Customer Borrowing to Other Bank or Nonbank Sources Was Not an Important Reason
SUBLPDCIRWSNOTHNQ
Net Percentage of Other Domestic Banks Reporting Stronger Demand for Commercial and Industrial Loans From Small Firms
SUBLPDCISDOTHNQ
Number of Domestic Banks That Tightened and Reported That Less Aggressive Competition From Other Banks or Nonbank Lenders Was Not an Important Reason
SUBLPDCIRTANNQ
Citation
U.S. Federal Reserve, Net Percentage of Other Domestic Banks Increasing the Minimum Required Down Payment on Consumer Loans Excluding Credit Card and Auto Loans (SUBLPDCLXTDOTHNQ), retrieved from FRED.