Net Percentage of Large Domestic Banks Tightening Policies on Credit Card Loans to Customers That Do Not Meet Credit Scoring Thresholds
SUBLPDCLCTELGNQ • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
10.00
Year-over-Year Change
N/A%
Date Range
1/1/2002 - 7/1/2025
Summary
Tracks banks' credit card lending restrictions for high-risk customers. Provides insight into banking sector risk assessment 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 metric measures how large domestic banks adjust lending policies for customers with lower credit scores. It reflects banks' risk management strategies.
Methodology
Surveyed large domestic banks report changes in credit card lending policies quarterly.
Historical Context
Used by regulators and economists to assess credit market tightness and banking sector health.
Key Facts
- Indicates banks' risk appetite for lending
- Quarterly survey of large domestic banks
- Reflects economic uncertainty and credit conditions
FAQs
Q: What does this metric indicate about bank lending?
A: It shows how banks are adjusting credit card lending policies for higher-risk customers. Tightening suggests increased caution.
Q: How often is this data updated?
A: The survey is conducted quarterly by the Federal Reserve. Data reflects current banking sector sentiment.
Q: Why do banks tighten credit card lending?
A: Economic uncertainty, increased default risks, or anticipated economic downturns can prompt more restrictive lending policies.
Q: How do these policies impact consumers?
A: Tighter policies make it harder for consumers with lower credit scores to obtain credit cards or favorable terms.
Q: What economic factors influence this metric?
A: Economic conditions, unemployment rates, and overall financial market stability impact banks' lending strategies.
Related Trends
Number of Large Domestic Banks That Reported Stronger Commercial and Industrial Loan Demand and Reported That Increased Customer Inventory Financing Needs Was a Very Important Reason
SUBLPDCIRSIVLGNQ
Number of Large Domestic Banks That Eased and Reported That Increased Liquidity in the Secondary Market for These (Commercial and Industrial) Loans Was a Very Important Reason
SUBLPDCIRESVLGNQ
Number of Foreign Banks That Eased and Reported That Reduction in Defaults by Borrowers in Public Debt Markets Was a Very Important Reason
SUBLPFCIREDVNQ
Number of Other Domestic Banks That Eased and Reported That More Aggressive Competition From Other Banks or Nonbank Lenders Was a Somewhat Important Reason
SUBLPDCIREASOTHNQ
Number of Foreign Banks That Tightened and Reported That Current or Expected Liquidity Position Was a Very Important Reason
SUBLPFCIRTLVNQ
Net Percentage of Domestic Banks Increasing Spreads of Loan Rates Over Banks' Cost of Funds to Small Firms
DRISCFS
Citation
U.S. Federal Reserve, Net Percentage of Large Domestic Banks Tightening Policies on Credit Card Loans (SUBLPDCLCTELGNQ), retrieved from FRED.